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How Much Does A Medicare Supplement Plan Cost In Utah?


How much does a Medicare supplement plan cost in Utah?  Well, that depends upon a variety of factors.  Generally, Medicare supplement plan monthly premiums tend to run slightly higher in Utah than they do in other nearby states.  But there are other factors that have a far greater impact on price.

Keep in mind that when searching for the ideal Medicare supplement plan, cost is a significant factor, is should not be the only factor you should consider.  The most important factor should always be the overall quality of the plan you choose.  This includes the benefits of the plan itself, as well as the company that is behind the plan.  Once you are satisfied with the aforementioned qualities of the plan, only then should you consider price.

Good to know:  Get assistance from a health care broker.  Having someone help with the legwork who understands what you need, can make a major difference.  Insurance agents can only help you with the products offered by the company they work for.  Brokers can access the products of multiple companies in order to find the right plan for your needs.  Brokers do not work for insurance companies, they actually work for you.
Even better, brokers are usually paid by the insurance company, making it possible for them to work for you at no cost.
We will list the factors that impact the premium rates of Medicare supplement insurance.  They are ordered from the most significant impact, to the least:

  • Plan Type
  • Age
  • Company
  • Tobacco Use
  • Health Status
  • Region
  • Gender

Plan Type
The most significant factor is the plan type that you choose.  For example, the monthly premium of a plan type "F" will likely be consistently higher than the monthly premium of a plan type "K" - no matter which insurance carrier you decide upon.  This is because each Medicare supplement plan type designates a unique plan benefit structure.  All supplement plans are designed to cover medical costs that are not covered by traditional Medicare.  However, some plans pick up more medical costs than others.  These benefit differences are reflected in monthly premium.

Age
With very few exceptions, the older you are, the higher your monthly premium.

Good to know:  Take Advantage of Extras.  Your health plan may offer valuable services you don't hear much about, so poke around your insurance company's web site to learn what's available.  Some insurance companies provide 24/7 on-call nurses.  They can guide you on how to safely remove a splinter or whether or not your child's cut or bruise warrants an immediate doctor visit.  Some plans also offer discounts on acupuncture, gym memberships, massage treatments, weight-loss programs and more.  It takes just a small amount of effort to find out the extras your health insurance company has to offer.  Make that effort.  You will almost certainly find a program or discount that will benefit you.


University Of Utah Hospital - Medicare Supplement insurance
University Of Utah Hospital
50 N Medical Dr
Salt Lake City, UT 84112
Telephone: (801) 581-2121
Plus Code: Q5C7+Q6 Salt Lake City, Utah

Website: click here




Company
In Utah, Medicare supplement monthly premiums vary wildly depending upon which insurance company you buy the plan from.  The fact that plan benefits may be exactly the same, does not mean the monthly premium will be.  While traditional Medicare is a government program, Medicare supplement plans are offered by private insurance companies.  They get to set the pricing of the plans they offer.

Tobacco Use
Most insurance companies in Utah will charge a slightly higher monthly premium for Medicare supplement coverage if you smoke or chew tobacco.

Health Status
In some cases, if you are not enrolling within the open enrollment - guarantee issue time frame for Medicare supplement coverage, some companies in Utah will charge you a higher rate if you have specific medical issues.  Please contact us if you have questions concerning this.

Gender
Both Medicare supplement and Medicare advantage plan insurance companies tend to offer slightly lower premium rates for women.

Where you live in Utah
Your Medicare Supplement plan monthly premium will vary depending on where you live in Utah.  Usually, monthly premiums in rural areas tend to be slightly lower than monthly premiums in large metropolitan regions.

Insurance companies offering Medicare Supplement and Medicare Advantage plans include:

  • AARP
  • Mutual of Omaha
  • Combined
  • IAC
  • Gerber
  • Blue Cross Blue Shield
  • Humana
  • Cigna
  • Aetna

On Average For 2020

On average, in Utah, for a standard plan A, the average monthly premium for a 65 year old non-tobacco, female applicant would be: $112.00 - $126.00.
On average, in Utah, for a standard plan A, the average monthly premium for a 65 year old non-tobacco, male applicant would be: $121.00 - $150.00.

Good to know:  Discuss health plans options with your doctor.  Go over your insurance company's list of covered prescription medications with your doctor.  Some medicines will cost you more than others.  If your doctor knows what's on your insurer's list, he can select the best medication for you at the lowest price.  Also, if your plan requires you to get a referral to a specialist, take your insurance plan's preferred-provider list to your primary-care appointment.  Your doctor can easily pick out the best specialist who participates in your plan.


To get an exact rate, click the "Get An Instant Quote Now" at the top of the page!

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What Are Medicare Advantage Plans?
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