We all know Medicare can be confusing. Add to Medicare all the different plans that are available in Utah, and it gets even more confusing. This article will help you on how to pick a Medicare Advantage plan in Utah.
Your Doctor and Networks
First of all, you need to make sure your Medicare Advantage plan is accepted by your doctor and your preferred Networks. Not every Medicare Advantage plan in Utah is going to be accepted by every doctor. Each Medicare Advantage plan will have a network of providers like Doctors, Hospitals, clinics Etc.
After you have determined that your Doctor is covered, you need to decide where you would like to go for your services. Do you prefer the University of Utah health care, IHC, or Mountain star for your hospital of choice? Do you have a clinic where you get most of your services done? For example, Revere Health, Grainger Medical, Tanner Clinic, etc. Each medicare advantage plan in Utah is going to be different.
Prescriptions
If you are taking prescriptions, you need to make sure your plan is going to cover them. Once you know they are covered, you need to find out how much you will pay for each prescription. Each medicare advantage plan in Utah’s prescription plan is different so it is really important that you check your prescriptions. Give us a call, and we can go over your prescriptions really fast. Or, if you want to do it yourself, Medicare.gov has sweet tool that will tell you how much you will pay for your prescriptions with the different plans available.
CO-PAYS
Almost all the medicare advantage plans in Utah have Co-pays when you have certain services done like surgeries, hospital stays, specialist visits, emergency room visits and so on. You will find that among the different types of medicare advantage plans available in Utah, the co-pays won’t vary drastically. But, it is still important to know what kind of out-of-pocket expenses you will be looking at with the plan you choose.
Dental Vision and Hearing
Most of the medicare advantage plans in Utah cover some dental, vision and hearing. Depending on the plan, your coverage will vary and it’s important to know what kind of coverage you are going to get.
If you are really healthy and dental, vision and hearing coverage is your main concern, then you need to know which plans will give you the best coverage in that department.
Extra benefits
When it comes to extra benefits that go beyond original Medicare, a lot of the medicare advantage plans in Utah have a handful of awesome benefits that you should take advantage of.
See “Extra benefits you get with medicare advantage plans in Utah”
Gym memberships, over the counter benefits, nurse line, transportation, out of state coverage, and so on. Make sure you know your extra benefits so you can get the most out of your plan.
Star Ratings
Medicare advantage plans have a start rating system. They rate the different plans with a start rating up to 5 stars being the best rating. These are the things they rate each plan on
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- Staying healthy: screenings, tests, and vaccines
- Managing chronic (long-term) conditions
- Plan responsiveness and care
- Member complaints, problems getting services, and choosing to leave the plan
- Health plan customer service
Most of the plans in Utah have at lease a 4-star rating, so they are all very good plans.
It’s a big decision when it comes to picking a medicare health plan in Utah. Make sure you know how to pick a medicare advantage plan in Utah that is right for you. Not to toot our own horn, but we specialize in all these plans and can help you step by step in your decision-making. We also don’t charge a dime for our services so it’s a win-win situation!