Medicare
Our Medicare insurance agents can help you get the best possible coverage. We explore every avenue to get you the best possible coverage. Med Benefits can help you with your Medicare questions. Our local Utah agents can help you understand the different parts of Medicare and help find a plan that fits your needs. Utah has many great options to supplement your original Medicare Part A & B including advantage plans with a zero premium.
Contact one of our local Utah agents today. Call/Text 801-896-4101.
What are the different parts of Medicare?
Medicare consists of several parts, each serving a specific purpose:
A, B, C & D
What is Medicare Part A?
Medicare Part A is often referred to as hospital insurance. It covers inpatient hospital
care, skilled nursing facilities, hospice care, and some home health care services. Most
people do not have to pay premiums for Part A if they or their spouse have worked and
paid Medicare taxes for a certain period.
What is Medicare Part B?
Medicare Part B is medical insurance, covering services like doctor’s visits, outpatient
care, preventive services, and some medical equipment. Beneficiaries pay monthly
premiums for Part B, which are typically deducted from their Social Security benefits.
What is Medicare Part C (Medicare Advantage)?
Medicare Part C, also known as Medicare Advantage, is an alternative to Original
Medicare (Parts A and B) offered by private insurance companies approved by
Medicare. These plans often include prescription drug coverage (Part D) and additional
benefits such as dental, vision, and fitness programs.
What is Medicare Part D?
Medicare Part D is prescription drug coverage. It helps beneficiaries afford the cost of
prescription medications and is offered through private insurance companies.
Beneficiaries pay premiums and, in some cases, copayments or coinsurance for their
medications.
Can I have both Original Medicare and a Medicare Advantage plan?
No, you cannot have both Original Medicare and a Medicare Advantage plan
simultaneously. You must choose one or the other. However, you can switch between
them during designated enrollment periods.
Is there a separate Medicare plan for vision, dental, and hearing services?
Medicare does not typically cover routine vision, dental, or hearing care. Some
Medicare Advantage plans (Part C) may offer limited coverage for these services, but
you may also explore standalone dental or vision insurance plans to address these
needs.
When can I enroll in Medicare?
Initial enrollment typically occurs during your Initial Enrollment Period (IEP), which
begins three months before you turn 65 and lasts for seven months. You may also
enroll during the Annual Enrollment Period (AEP) from October 15 to December 7 or
during special enrollment periods triggered by specific life events.
Can I change my Medicare plan after enrolling?
Yes, you can make changes during the Annual Enrollment Period (AEP), which runs
from October 15 to December 7. You can also make changes during Special Enrollment
Periods (SEPs) if you experience qualifying life events, like moving to a new area or
losing other coverage.
How do I find the right Medicare plan for me?
Choosing the right Medicare plan depends on your individual healthcare needs, budget,
and preferences. You can compare plans, costs, and coverage using the official
Medicare website or consult with a licensed insurance agent who specializes in
Medicare to help you make an informed decision.
Are there any income-based subsidies available for Medicare?
Yes, some Medicare beneficiaries with limited income and resources may qualify for
Extra Help with their Medicare prescription drug costs (Part D) or for assistance with
Medicare premiums and other costs through Medicaid.
Can I have other health insurance alongside Medicare?
Yes, many people have other insurance alongside Medicare, such as employer-
sponsored coverage, TRICARE, or VA benefits. The coordination of benefits will
depend on the specifics of your situation, and it’s important to understand how your
other insurance works with Medicare.
Remember that Medicare rules and regulations can change, so it’s essential to stay informed about any updates and consult official Medicare resources or a qualified expert for the most current information and guidance.
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