Medicare Coverage Made Simple: What You Need to Know
Medicare Made Simple, With Local Experts
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Medicare is a federal health insurance program that primarily serves people aged 65 and older, as well as younger individuals with certain disabilities or medical conditions. Understanding how Medicare works — including what it covers, when to enroll, and which plan types are available — is essential to making confident healthcare decisions. Whether you're exploring Original Medicare, Medicare Advantage plans, or prescription drug options, this guide will help you make sense of it all.
Trusted Medicare Plan Options in Utah
How to Enroll in Medicare
Most people become eligible for Medicare at age 65. You can enroll during your Initial Enrollment Period (IEP), which begins three months before your 65th birthday and ends three months after. Missing this window can lead to late penalties or delayed coverage.
You can enroll through:
The Social Security Administration
Online at Medicare.gov
Your local office or by calling the Centers for Medicare & Medicaid Services (CMS)
If you're already receiving Social Security benefits, enrollment may be automatic. Otherwise, you’ll need to apply to avoid coverage gaps.
What Original Medicare Covers: Parts A & B
Original Medicare includes two main parts:
Part A (Hospital Insurance): Covers inpatient hospital stays, skilled nursing facility care, hospice, and limited home health care.
Part B (Medical Insurance): Covers outpatient services such as doctor visits, lab tests, preventive services, and durable medical equipment.
While Original Medicare helps cover many health care services, it does not cover everything. You’ll still be responsible for copays, coinsurance, and deductibles — which is why many people choose additional coverage.
Should You Consider a Medicare Supplement (Medigap)?
A Medicare Supplement plan, also known as Medigap, helps pay for some of the out-of-pocket costs that Original Medicare doesn’t cover. This includes things like:
Copayments
Coinsurance
Deductibles
Medigap plans are sold by private insurance companies and work alongside Original Medicare. These plans don’t cover prescription drugs, dental, or vision, but they do offer predictable costs for those who use healthcare services regularly.
Medicare Advantage Plans (Part C): An All-in-One Option
Medicare Advantage plans are offered by private insurers as an alternative to Original Medicare. These plans bundle Part A, Part B, and often Part D (prescription drug coverage) into one policy.
Many Medicare Advantage plans also include:
Vision and dental benefits
Hearing aids
Wellness programs and fitness memberships
Keep in mind that these plans may have provider networks and require referrals to see specialists. It’s important to compare your options based on your location, coverage needs, and preferred health care providers.
Prescription Drug Coverage: Part D
If you stay on Original Medicare, you can add a standalone Part D plan to get prescription drug coverage. These plans vary by:
Monthly premiums
Covered drugs (formularies)
Preferred pharmacies
You may also encounter Medicare Part D as part of a Medicare Advantage plan, which simplifies your coverage into one package. Make sure the drugs you take are listed in your plan’s formulary before enrolling.
Ready to Get the Right Medicare Coverage?
Choosing a Medicare plan is a personal decision. Whether you're looking for simple coverage or want extra benefits like dental and vision, the right plan is out there — and we can help you find it.
Revive Insurance offers personalized guidance to help you:
Compare plans from trusted insurance providers
Understand your eligibility and enrollment windows
Avoid penalties and coverage delays
Connect with a licensed insurance agent in your area
Our Services
We we are excited to help you make the best decision for your situation.
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We proudly provide exceptional health insurance and Medicare assistance to clients across Utah,
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"We do not offer every plan available in your area. Currently we represent 13 organizations which offer 405 products in your area. Please contact
Medicare.gov
, 1‑800‑MEDICARE, or your local State Health Insurance Program to get information on all of your options."
Participating sales agencies represent Medicare Advantage [HMO, PPO, PFFS, and PDP] organizations that are contracted with Medicare. Enrollment depends on the plan’s contract renewal.”
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Serving Utah with trusted Medicare plan options, enrollment assistance, and expert support.
