West Valley City, Utah, is home to many Medicare beneficiaries. Many beneficiaries in the area choose to use supplemental plans to extend their coverage.
Below is an overview of the strengths and weaknesses of each West Valley City, Utah, Medicare plan.
Medicare plans in West Valley City, Utah
Using a supplement plan, you can cover expenses you would otherwise be responsible for paying yourself. Medicare beneficiaries can choose either a Medicare Advantage or Medigap plan to supplement their Original Medicare coverage in Valley City, Utah. We based the numbers in the charts below on a female 65-year-old patient, so your prices may vary.
Medicare Advantage plans
There are 31 Medicare Advantage plans in West Valley City, Utah. Each program has unique pros and cons, but they all provide a valuable service to beneficiaries by protecting them from high healthcare costs.
A Humana health plan (Local PPO) is one of the best options. Humana has a good reputation for service, and its MOOP (maximum out-of-pocket) is $5,500, making it one of the best four-star plans. With this plan, beneficiaries pay $0 monthly premiums.
SelectHealth (HMO) is also an excellent choice for clients who put high-quality service first. This option has a five-star rating, zero monthly premiums, and an affordable MOOP. In addition, this plan is relatively straightforward to budget for, as it costs $5,400 per month.
Regence (Local PPO) is not only affordable and effective, but it also provides four-star service. Moreover, Regence doesn’t charge a monthly premium, and its $5,900 maximum out-of-pocket expenditure makes it appealing to beneficiaries who avoid HMO options. This plan even offers some prescription drug coverage.
The average costs of Medicare Advantage plans in West Valley City, Utah
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Medicare Supplement plans
Compared to Original Medicare, Medicare Supplement plans in West Valley City, Utah, cover a more extensive range of healthcare services. These plans offer the same benefits regardless of where you live, but the prices vary widely.
West Valley City’s residents favor Plan G because it’s affordable and effective. For Plan G, the price varies from $101 to $358. Generally, the insurance company will cover most of your medical expenses under this plan, although some gaps may exist.
Another Medigap option is Plan F. The Plan F Medigap plan has several advantages but comes at a higher cost than other Medigap plans, costing between $110 and $381. Plan F covers Medicare excess charges and is the most robust overall Medigap plan.
In Utah, residents can expect to pay a premium between $74 and $270 when choosing Plan N. While this plan offers adequate coverage at a reasonable price, several downsides exist. Patients on plan N will be responsible for co-payments for most medical services.
The average costs of Medicare Supplement plans in West Valley City, Utah
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Medicare Part D prescription drug plans
If you have Medicare, you can get coverage for prescription medications through Part D plans. Some Medigap policies and Medicare Advantage plans don’t cover these expenses. As a result, enrolling in Medicare Part D in West Valley City, Utah, is necessary to establish adequate coverage.
Aetna offers the lowest monthly premium of $6.90 with a $480 deductible. This plan has a three-star rating. The deductible drops to $0 for Tier 1 drugs.
The monthly premium for Clear Spring is $16.10, with a deductible of $480. This deductible doesn’t apply to Tier 1 and 2 drugs. This plan only has a two-star rating, however.
UnitedHealthcare charges a monthly premium of $29.40 with a $310 deductible. That deductible is $0 for Tier 1 drugs. For these drugs, the plan also offers convenient home delivery.
The average costs of Medicare Part D plans in West Valley City, Utah
Special Needs plans
Special Needs Plans (SNPs) serve beneficiaries with special health needs. Programs like these can ease the challenges of living with a disability by providing tailored care and coverage for those who qualify.
The SelectHealth plan in West Valley City offers dual enrollment for its members and a MOOP of $3,450. The premiums with this plan range from $0-42.90. There is no annual medical deductible.
A plan from Humana also comes with a $3,450 out-of-pocket monthly limit and dual eligibility. These plans offer $0 deductibles for drugs in Tiers 2-5. They also have $0 premiums and a $0 deductible for medical services.
Finally, Molina Healthcare’s plan provides a MOOP of $7,550 as a final option for beneficiaries seeking dual eligibility. This plan charges $33.20 for its monthly premium. It has a three-star rating.
The average costs of Medicare Special Needs plans in West Valley City, Utah
How to sign up for Medicare plans in West Valley City
Enrolling in Medicare can be challenging in West Valley City, Utah. Our knowledgeable staff at Medigap.com are proud to assist beneficiaries in choosing supplemental coverage.
Contact us or use our online rate form today to get the best rates for West Valley City, Utah, Medicare plans!