Salt Lake City, Utah has nearly 300,000 Original Medicare beneficiaries with Part A and B coverage. Over 112,000 of those enrollees receive Medicare Advantage benefits on top of their baseline Medicare coverage for a city-wide 37.6% MA participation rate.

Below, we’ll examine the benefits of other popular Medigap plan options available in Salt Lake City, Utah.

Salt Lake City, Utah Supplemental Medicare Plans

Salt Lake City, Utah, Medicare enrollees can add to their Part A and B coverage with Medicare Advantage, Medicare Supplement plans, and Part D plans. Each option covers different health services, with rates varying depending on various factors like provider and location.

The charts below depict the average rates for a typical 70-year-old female Salt Lake City, Utah, Medicare enrollee.

Cheapest Medicare Advantage Plans in Salt Lake City, Utah

There are 31 Medicare Advantage plans available in Salt Lake City, tied for most of any city in Utah. That wide variety gives Salt Lake City, Utah, Medicare beneficiaries several affordable and highly rated choices.

SelectHealth’s Medicare Advantage plan is one of Salt Lake City’s most comprehensive, with a five out of five-star coverage effectiveness rating. It also has a $0 premium and $5,900 maximum out-of-pocket cost (MOOP).

Regence’s Medicare Advantage plan is another popular option with substantial benefits and competitive pricing. It has a $0 premium, a $5,400 MOOP, and a four-star rating.

Aetna’s Medicare Advantage coverage is one of Salt Lake City’s few HMO-POS options. It’s also one of the city’s most affordable plans, with a $0 premium and a $5,500 MOOP.

PLAN PREMIUM MOOP Plan Type Star Rating
SelectHealth $0 $5,900 HMO 5
Regence $0 $5,400 LOCAL PPO 4
Aetna $0 $5,500 HMOPOS 3
Cigna $0 $5,500 LOCAL PPO 3
Humana $0 $5,500 LOCAL PPO 4

Affordable Medicare Supplement Plans in Salt Lake City, Utah

Medicare Supplement, or Medigap, plans cover most inpatient and outpatient services that Original Medicare Part A and B don’t. Supplement plans receive government standardization, so their benefits remain the same regardless of location or insurance provider.

Plan G is one of the most popular Medigap plans in Salt Lake City. It has the second-most coverage behind Plan F and premiums ranging from $101.80 to $358.64.

Plan F is also among Salt Lake City’s most popular Medicare Supplement plans; the premiums vary from $122.58 to $381.62.

Plan N is one of Salt Lake City’s best budget-friendly Medigap options. Though it doesn’t offer as many benefits as Plan F or G, it covers the Medicare Supplement essentials for a lower premium range of $81.63 to $270.25 per month.

PLAN A $87.61 $311.12
PLAN B $130.75 $305.50
PLAN C $161.14 $363.25
PLAN D $120.83 $238.79
PLAN F $122.58 $381.62
PLAN HDF $35.00 $61.23
PLAN G $101.80 $358.64
PLAN HDG $35.00 $54.69
PLAN K $45.73 $111.00
PLAN L $67.17 $233.11
PLAN M $92.91 $273.28
PLAN N $81.63 $270.25

Average Medicare Part D in Salt Lake City, Utah

Medicare Part D plans cover prescription drug costs for Salt Lake City, Utah, Medicare enrollees. Since Part D policies are the only Medicare option with medication coverage aside from some Medicare Advantage plans, they are essential for having more well-rounded coverage.

Aetna’s Part D plan has the cheapest premium rate at $6.90. It also includes a $480 deductible.

UnitedHealthcare’s Part D plan has a higher $29.40 monthly premium but offers a lower $310 deductible.

Humana’s Part D coverage is some of the strongest in Salt Lake City. It has a four-star coverage rating with a $480 deductible and a $22.70 monthly premium.

Aetna $6.90 $480 3
Wellcare $11.30 $480 32
Clear Spring $16.10 $480 2
Humana $22.70 $480 4
UnitedHealthcare $29.40 $310 4

Medicare Special Needs Plans in Salt Lake City, Utah

Medicare Special Needs Plans (SNPs) are a subset of Medicare Advantage with unique coverage benefits for enrollees with specialized medical needs. Though SNPs aren’t available everywhere, Salt Lake City has a few options.

SelectHealth’s SNP is an HMO plan with a $0 premium and competitively priced $3,450 MOOP.

Humana’s SNP also has a $0 premium and $3,450 MOOP, but it is a Local PPO plan.

American Health’s SNP is the only one with institutional eligibility. It has a $42.90 premium and a $1,800 MOOP.

PLAN PREMIUM MOOP Plan Type Eligibility
SelectHealth $0 $3,450 HMO Dual
Molina Healthcare $0 $7,550 HMO Dual
UnitedHealthcare $0 $7,550 LOCAL PPO Dual
Humana $0 $3,450 LOCAL PPO Dual
American Health $42.90 $1,800 HMO Institutional


Is Medicare Part D optional or mandatory in Salt Lake City, Utah?

You do not need to enroll in Medicare Part D in Salt Lake City. However, choosing not to enroll in a Part D plan when you first become Medicare-eligible may subject you to a late enrollment penalty if you decide to enroll later.

Is Medicare Part A free in Salt Lake City, Utah?

Anyone already receiving Social Security or Railroad Retirement Board benefits gets premium-free Medicare Part A. If you don’t qualify for free Part A, your premiums can cost as much as $499 monthly.

How are Medigap rates determined in Salt Lake City, Utah?

Most insurance companies set your Medigap rates depending on your age when you enroll or how old you are at the end of each year. However, some Salt Lake City providers don’t take age into account at all.

Do Medigap plans cover drugs in Salt Lake City, Utah?

No Salt Lake City Medigap options cover prescriptions. Your best bet for prescription drug coverage is to enroll in a Medicare Part D plan.

How do I change my Medicare Advantage plan in Salt Lake City, Utah?

You can change Medicare Advantage plans in Salt Lake City by contacting your provider and applying for new coverage. However, you can only do so during the Annual Enrollment Period, Open Enrollment Period, or Special Enrollment Period.

How to Sign Up for Supplemental Medicare in Salt Lake City

If you’re looking for supplemental Medicare in Salt Lake City, Utah, is the best resource to compare rates and find the perfect plan for your needs.

We make it easy to get started – just call our team or complete our online rate form to receive rates from all providers in your area.

Don’t wait any longer – start comparing plans today and find the coverage that’s right for you!

Written By:
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Lindsay Malzone, Lindsay Malzone is the Medicare editor for She's been contributing to many well-known publications since 2017. Her passion is educating Medicare beneficiaries on all their supplemental Medicare options so they can make an informed decision on their healthcare coverage.
Reviewed By:
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Rodolfo Marrero, Rodolfo Marrero is one of the co-founders at He has been helping consumers find the right coverage since the site was founded in 2013. Rodolfo is a licensed insurance agent that works hand-in-hand with the team to ensure the accuracy of the content.