Best Utah Medicare Advantage Plans


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ByMark Fitzpatrick
ByMark Fitzpatrick

Updated: May 6, 2024

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MoneyGeek used the Centers for Medicare & Medicaid Services' (CMS) five-star rating system to establish a ranking of the most widely available Medicare Advantage plans in Utah. Our summary highlights the best plans across different categories, including plan type, drug coverage availability and out-of-pocket limit costs.

Our generalized conclusions apply to Utah customers across the board. To find the most suitable plan for your needs, shop around and compare different policies.

MoneyGeek also analyzed the best medicare supplement plans in Utah for those focused on covering out-of-pocket expenses.

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2024

Best Medicare Advantage Plans in Utah

Best Medicare Advantage Plan in Utah - Overall

Your healthcare needs and preferences determine which plan will be the most suitable. For instance, the Aetna Medicare Elite Plan is the best for customers seeking a PPO plan with the six core benefits, a high star rating from the CMS and part D drug coverage.

PPO plans include several benefits, including a wider network of hospitals, doctors and treatment facilities. Customers with PPO plans can also see a specialist without a referral. While these plans offer more flexibility, they also come with higher prices.

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MoneyGeek Top Pick
Aetna Medicare

Based on MoneyGeek’s analysis, the Aetna Medicare Elite Plan is the best for individuals seeking PPO plans. It has the following components:

  • No monthly premium
  • Includes drug coverage
  • An in-network max out-of-pocket limit of $5,200
  • An overall star rating of 4.5 out of 5 from CMS

With this plan, customers receive the six most common benefits: dental, vision, fitness, hearing, telehealth and worldwide emergency. Worldwide emergency coverage benefits frequent travelers. Aetna Medicare Elite plans, which received a strong rating from the CMS. also include an over-the-counter drugs benefit and Part D drug coverage.

This plan may not be the best for your specific needs. Make sure to find your ideal plan by shopping around.

Best HMO Medicare Advantage Plan in Utah

The best HMO Medicare Advantage Plan in Utah for you depends on your healthcare needs. For example, if you need an HMO plan featuring a high score from CMS, drug coverage and nine core benefits, SelectHealth's Advantage Essential plan may be the best choice.

HMO plans are the most common, due to their affordability. To ensure coverage, however, you will need to stay within your network of hospitals and providers, unless you have an emergency. To see a specialist, you will need to get a referral.

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MoneyGeek Top Pick
SelectHealth

According to MoneyGeek, SelectHealth’s Advantage Essential may be the best option if you are looking for an HMO plan in Utah. However, this may change based on your unique needs. The plan has the following:

  • No monthly premium
  • Drug coverage with a $200 deductible
  • An in-network max out-of-pocket limit of $5,500
  • 5 out of 5 overall star rating from CMS

The SelectHealth’s Advantage Essential plan features nine benefits: telehealth, dental, fitness, worldwide emergency, vision, hearing, over-the-counter drugs, in-home systems and home safety devices and modifications. The plan, which also includes and Part D drug coverage, received the highest possible rating from CMS.

Best Medicare Advantage Plan in Utah Without Drug Coverage

Even if you don't need a plan with Part D drug coverage, you still have several available options. For customers seeking the best Medicare Advantage plan in Utah that has eight core benefits, a high score from CMS and no drug coverage, SelectHealth's Veteran Advantage (HMO) plan can best meet their needs.

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MoneyGeek Top Pick
SelectHealth

MoneyGeek’s analysis indicates that SelectHealth's Veteran Advantage (HMO) plan is the best option for buyers whose focus is not the drug coverage. For this coverage, you can expect the following features:

  • No monthly premium
  • An in-network max out-of-pocket limit of $5,400
  • An overall star rating from CMS of 5 out of 5

In addition to its high rating from CMS, SelectHealth’s Veteran Advantage plan offers several less common coverage beyond standard core benefits, including in-home support and home safety devices and modifications.

Best Medicare Advantage Plan in Utah for Low Max Out-of-Pocket Costs

Purchasing Medicare Advantage plans with low or no premium can result in higher costs, leaving you paying out of pocket. To avoid these costs, consider a plan with a low in-network max out-of-pocket limit.

MoneyGeek’s analysis indicates that Regence MedAdvantage + Rx Primary (PPO) plan from Regence BlueCross BlueShield of Utah is the best choice for buyers seeking plans with a low max out-of-pocket limit, nine most common benefits, drug coverage and a high CMS rating.

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MoneyGeek Top Pick
Blue Cross Blue Shield

Regence MedAdvantage + Rx Primary (PPO) from Regence BlueCross BlueShield of Utah is the best possible plan for individuals seeking health plans with high max out-of-pocket limits who do not require drug coverage. With this plan, you can expect:

  • No monthly premium
  • Includes drug coverage with an annual deductible of $100
  • An in-network max out-of-pocket limit of $5,900
  • A 4.5 out of 5 overall star rating from CMS

Plans with low max out-of-pocket limits save buyers from high annual medical costs. With the Regence MedAdvantage + Rx Primary (PPO) plan, for instance, your insurer will start covering in-network costs once you reach the max limit of $5,900. Meanwhile, since it’s a PPO plan, the max out-of-pocket limit for out-of-network coverage will be $10,000.

Medicare Advantage Plan in Utah - Statistics

In Utah, you can find Medicare Advantage plans from 10 healthcare organizations. The following information explores statistics about some plan components, including the type of plan, common benefits and $0 premium plans.

Use these figures to develop a sense of how widely available and rare certain components are within the best Medicare Advantage plans in Utah.

1
Utah Medicare Advantage Plans are a mix of Health Maintenance Organization (HMO), Preferred Provider Organization (PPO) and Medical Savings Account (MSA) plans, with 49.7% offering drug coverage

In Utah, there’s a balance between HMO, PPO, and MSA plans. MSA plans have the highest percentage on the market. About 49.7% of all the plans in the state include drug coverage.

2
In Utah, 50% of Medicare Advantage Plans in Utah have a $0 premium

There are 13 unique plans with a $0 premium in Utah, which is 50% of all Medicare Advantage Plans available in the state. The remaining 50% have an average monthly premium of $55.90.

3
Hearing, vision and dental are some of the common benefits in Utah, with most plans offering them

Medicare Advantage plans in Utah offer several benefits. Hearing is the most common as 91% of the plans have it, followed by vision, dental, telehealth and worldwide emergency benefits at 86% each. The rarest features in the state are in-home support and emergency response device benefits.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.