The Best Utah Medicare Supplement Plans (2022)

Medicare Supplement plans, or Medigap, provide additional support for medical costs that are not covered by Original Medicare. There are 10 Medicare Supplement plans in Utah, but their availability depends on the time of your eligibility. In Utah, Cigna is the best company for Plans G, F and N.

You can’t have both a Medigap and a Medicare Advantage plan. Medicare Advantage Plans in Utah take the place of your Medicare plans and Original Medicare.

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Last Updated: 6/24/2022
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On average, Medicare Supplement plans in Utah cost $113 per month for 65-year-olds and $167 per month for 75-year-olds. The most popular plans are Plan F, Plan G and Plan N.

Most people opt for Plan F and Plan G because they have the most comprehensive coverages. However, only those eligible for Medicare prior to 2020 can get Plan F. In Utah, the average cost of Plan F is $184.70 per month while Plan G is $112.10 per month.

Plan N is also commonly purchased as it has similar coverage to Plan F and Plan G. The difference is that Plan N has additional charges and provides less comprehensive coverage. The average cost for a Plan N in Utah is $102.70 per month.

These rankings are based on MoneyGeek’s research of average premiums and benefits of different plans. Our methodology involves gathering data from providers with online quotes only. You can learn more about choosing the best Medicare Supplement plan through our guide.

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Best Medicare Supplement Plans in Utah

Best Medicare Supplement Plan G in Utah

The best company for a Medicare Supplement Plan G in Utah is Cigna. This plan has an average cost of $122.60 per month. MoneyGeek only has data on companies with quotes available online. You can also compare Medicare Supplement plans in Utah that don’t have online quotes to find the best fit for you.

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MoneyGeek Top Pick
Cigna Medicare
  • MoneyGeek Score: 90 out of 100
  • Average Monthly Rate: $122.60

The average cost for a Medigap Plan G from Cigna is $122.60 per month, while the state average for the same plan is $136.40 per month. The benefits of this plan from Cigna include the Healthy Rewards Program, Health Information Line and Foreign Travel Emergency.

Cigna’s Healthy Rewards Program allows you to earn rewards by going to health checkups, flu shots, screenings and other medical measures that ensure you remain healthy. It’s best to check your coverage plan on what preventive health measures are included in this rewards program.

Through its Foreign Travel Emergency benefit, Cigna’s Plan G covers medical emergencies that may occur while you’re traveling outside of the United States.

Should you want to seek medical information without going to a clinic, a health line is also available under this plan. However, remember that seeing a physician is still the best way to treat and diagnose any conditions.

MORE ABOUT PLAN G IN UTAH

Navigate to learn more about Medigap Plan G in Utah, including how much it costs on average, what providers are available and what it covers.

The Cost of Medicare Supplement Plan G in Utah

The average cost of Plan G in Utah is $136.40 per month. In Utah, Humana offers the cheapest Plan G with an average monthly rate of $83.60. On the other hand, the most expensive Plan G is from Regence, which costs $142 per month on average. These prices have a difference of $58.40 per month.

However, the price of a Plan G depends on your age at the time of your purchase, your current age, discounts and medical underwriting factors.

Sort by Age:

65

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  • Company
    Sample Monthly Rate
  • Humana
    $84
  • Bankers Fidelity
    $95
  • Cigna
    $123
  • UnitedHealthcare
    $126
  • Aetna
    $135

Providers Offering Plan G in Utah

There are 38 companies that offer Plan G in Utah but not all of them provide quotes online. MoneyGeek has gathered the contact information of all Plan G providers in Utah. We have also provided their pricing methods to show you how someone’s age can affect the prices of this plan.

Providers Offering Plan G in Utah

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  • Company
    Contact Number
    Pricing Style
  • Aetna
    800-358-8749
    Attained Age
  • Liberty Bankers
    1-833-504-0331
    Attained Age
  • AFSLIC
    1-866-951-0686
    Attained Age
  • Assured Life
    877-223-3666
    Attained Age
  • Atlantic Coast Life
    1-844-442-3847
    Attained Age
  • Bankers Fidelity
    1-866-458-7504
    Attained Age
  • Cigna
    1-855-891-9368
    Attained Age
  • Colonial Penn
    1-877-877-8052
    Attained Age

What Does Plan G Cover?

Medigap policies, including Plan G, are standardized. This means that they are required to have specific benefits. Plan G does not cover a Part B deductible and only covers 80% of foreign travel exchange. Plans can include additional benefits as well, such as the Healthy Rewards Program from Cigna.

Required Benefits of Plan G in Utah
  • Medigap Benefit
    Does Plan G Cover?
  • Part A co-insurance and hospital costs up to an additional 365 days after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    No
  • Part B excess charge
    Yes
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plan F in Utah

The best company for a Medigap Plan F in Utah is Cigna. Its average cost for Plan F is $175.36 per month. MoneyGeek’s rankings for the best medicare supplement plan in Utah are only based on companies that offer online quotes. Other companies that do not have online quotes may offer plans that suit you better, so it’s best to check them out as well.

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MoneyGeek Top Pick
Cigna Medicare
  • MoneyGeek Score: 90 out of 100
  • Average Monthly Rate: $175.36

Cigna’s average monthly rate for a Medigap Plan F is cheaper than the average rate in Utah. The price of a Plan F from Cigna costs $175.36, while the state average for the same plan costs $184.70 per month.

Healthy Rewards Program, Health Information Line, and Foreign Travel Emergency are among this plan's features. Consider examining your coverage plan and talk to the company to know the limits and extent of these benefits.

The Healthy Rewards Program encourages you to stay healthy by giving you rewards for attending health checks, screenings and other medical procedures. Medical crises that occur while traveling abroad are covered by the Foreign Travel Emergency benefit. A health line is also available under this plan so you can get medical information without going to a clinic.

MORE ABOUT PLAN F IN UTAH

Navigate to learn more about Medigap Plan F in Utah, including how much it costs on average, what providers are available and what it covers.

The Cost of Medicare Supplement Plan F in Utah

The average cost of Plan F in Utah is $184.70 per month. The cheapest plan F in Utah is from Humana, which costs $134.70 per month. The most expensive Plan F is offered by UnitedHealthcare at $305 per month. The difference between the two companies is $170.30 per month.

Remember that the prices of Plan F depend on how old you are when you purchase your plan, your current age, available discounts and other medical factors.

Sort by Age:

65

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  • Company
    Sample Monthly Rate
  • Aetna
    $120
  • Bankers Fidelity
    $191

Providers Offering Plan F in Utah

There are 40 companies offering Medigap Plan F in Utah. Some companies do not offer online quotes that we could collect. To help you with searching for the best Medicare Supplement plan in Utah, MoneyGeek has collected the contact information of all these providers as well as their pricing methods.

Providers Offering Plan F in Utah

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  • Company
    Contact Number
    Pricing Style
  • Aetna
    800-358-8749
    Attained Age
  • Liberty Bankers
    1-833-504-0331
    Attained Age
  • AFSLIC
    1-866-951-0686
    Attained Age
  • Assured Life
    877-223-3666
    Attained Age
  • Atlantic Coast Life
    1-844-442-3847
    Attained Age
  • Bankers Fidelity
    1-866-458-7504
    Attained Age
  • Central States Health and Life Co. of Omaha
    800-826-6587
    Attained Age
  • Cigna
    1-855-891-9368
    Attained Age

What Does Plan F Cover?

Plan F, like all Medigap policies, is standardized and has a minimum requirement for its benefits. This plan is only limited to 80% of the foreign travel exchange.

Plans may include additional benefits other than those required. An example of these additional benefits is the Health Information Line from Cigna.

Required Benefits of Plan F in Utah
  • Medigap Benefit
    Does Plan F Cover?
  • Part A co-insurance and hospital costs up to an additional year after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    Yes
  • Part B excess charge
    Yes
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plan N in Utah

Cigna is the best company in Utah for a Medigap Plan N. Cigna’s Plan N costs an average of $84.69 per month. MoneyGeek's rankings of the best Medicare supplement plans in Utah are based solely on companies that provide online quotes. You may also look into other companies that do not provide online quotes because they might have plans that are more suitable for you.

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MoneyGeek Top Pick
Cigna Medicare
  • MoneyGeek Score: 90 out of 100
  • Average Monthly Rate: $84.69

Cigna's average monthly rate for a Medigap Plan N is lower than Utah's average rate for Plan N. Cigna's Plan N costs $84.69 per month, while the state average is $126.40 per month. Among the plan's benefits from Cigna are the Healthy Rewards Program, the Health Information Line, and the Foreign Travel Emergency.

The Healthy Rewards Program gives you benefits for maintaining your good health through regular checkups, screenings and undergoing other preventive medical measures. The Foreign Travel Emergency benefit covers medical emergencies that may happen while traveling outside of the United States. This plan also includes a health line for medical information without the need to visit a clinic.

It’s best to check with Cigna about these benefits, especially their coverage and limitations. Knowing this information will help you maximize the advantages that you can get from Plan N.

MORE ABOUT PLAN N IN UTAH

Navigate to learn more about Medigap Plan N in Utah, including how much it costs on average, what providers are available and what it covers.

The Cost of Medicare Supplement Plan N in Utah

In Utah, the average monthly cost of Plan N is $126.40. Cigna has the cheapest Plan N in Utah, which costs $84.70 per month. Regence has the most expensive Plan N, which costs $128 per month. These prices have a difference of $43.30 per month.

Remember that the cost of Plan N is determined by your age at the time of purchase, your current age, discounts and other medical underwriting factors.

Sort by Age:

65

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  • Company
    Sample Monthly Rate
  • Cigna
    $85
  • Bankers Fidelity
    $94
  • Aetna
    $98
  • Humana
    $105
  • UnitedHealthcare
    $105

Providers Offering Plan N in Utah

In Utah, there are 39 companies that provide Medigap Plan N, but online quotes are only available for some of these companies. MoneyGeek has collected the contact information of all these companies. To show you how age affects the price of your Plan N, we have also gathered each company’s pricing method.

Providers Offering Plan N in Utah

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  • Company
    Contact Number
    Pricing Style
  • Aetna
    800-358-8749
    Attained Age
  • Liberty Bankers
    1-833-504-0331
    Attained Age
  • AFSLIC
    1-866-951-0686
    Attained Age
  • Assured Life
    877-223-3666
    Attained Age
  • Atlantic Coast Life
    1-844-442-3847
    Attained Age
  • Bankers Fidelity
    1-866-458-7504
    Attained Age
  • Central States Health and Life Co. of Omaha
    800-826-6587
    Attained Age
  • Cigna
    1-855-891-9368
    Attained Age

What Does Plan N Cover?

All Medigap policies, including Plan N, are regulated and have a standard set of benefits that must be met. Plan N does not cover Part B deductibles and its excess charges. Its coverage on the foreign travel exchange is limited to 80% only.

Other than the mandatory benefits, plans may contain additional benefits. The Foreign Travel Emergency coverage from Cigna is an example of these extra benefits.

Required Benefits of Plan N in Utah
  • Medigap Benefit
    Does Plan N Cover?
  • Part A co-insurance and hospital costs up to an additional year after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    No
  • Part B excess charge
    No
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plans in Utah: Other Plan Types

Other Medicare Supplement plan types have less comprehensive protection, making them less popular in Utah. Plan C is not available in Utah and in other states if you become eligible for Medicare after January 1, 2020.

MoneyGeek has identified that UnitedHealthcare is the best option for Plan A, Plan B, Plan C, Plan K and Plan L. Cigna is the best option for Plan F, Plan G, and Plan N. This ranking is based on our criteria, methodology and quotes that are available online. For Utah, we were able to gather quotes from UnitedHealthcare, Regence, Aetna, Cigna, Bankers Fidelity and Humana.

The Best Medicare Supplement in Utah - Alternate Plans
  • Plan Type
    Best Plan
    Monthly Cost
  • A

    UnitedHealthcare

    $90.12

  • B

    UnitedHealthcare

    $138.16

  • C

    UnitedHealthcare

    $290.40

  • F

    Cigna

    $175.36

  • G

    Cigna

    $122.60

  • K

    UnitedHealthcare

    $48.03

  • L

    UnitedHealthcare

    $81.28

  • N

    Cigna

    $84.69

How to Find the Best Medicare Supplement Plans in Utah

Medicare Supplement plans can be difficult to navigate. To help you better understand these plans, MoneyGeek has created a comparison chart for Medicare supplement plans in Utah. Our chart includes plan types and analysis of pricing data.

Utah Medicare Supplement Plans Comparison Chart

Levels of coverage vary across Medigap plans. Additionally, the availability of a specific plan type may depend on the time of your eligibility for Medicare.

For instance, new enrollees cannot buy Plan F and Plan C even though they are the most comprehensive plans. Instead, they have been replaced by Plan G and Plan D.

Our chart can help you compare coverages and average rates for Medicare Supplement plans in Utah.

Medicare Supplement Comparison Chart
Coverage
A
B
C
D
F
G
K
L
M
N

Part A co-insurance and hospital costs up to an additional 365 days after Medicare benefits are used up

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Part B co-insurance or copayment

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Blood (first 3 pints)

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Part A hospice care co-insurance or copayment

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Skilled nursing facility care co-insurance

No

No

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Part A deductible

No

Yes

Yes

Yes

Yes

Yes

50%

75%

50%

Yes

Part B deductible

No

No

Yes

No

Yes

No

No

No

No

No

Part B excess charge

No

No

No

No

Yes

Yes

No

No

No

No

Foreign travel exchange (up to plan limits)

No

No

80%

80%

80%

80%

No

No

80%

80%

The Cost of Medicare Supplement Plans in Utah

Depending on the plan and the company, the cost of your Medicare Supplement plan in Utah may vary. UnitedHealthcare is the cheapest company for Plan A, Plan B, Plan C, Plan K and Plan L. Humana has the cheapest costs for Plan G and Plan F. Cigna offers the cheapest Plan N.

The most common pricing style in Utah is Attained Age which increases the cost of your plan as you age. It means that these plans are cheaper when you’re younger but will become more expensive as you grow older.

The other pricing styles are the following:

  • Community-rated Pricing: In this pricing style, age does not affect the price of your plan because everyone who availed of the same plan pays the same monthly premium.
  • Issue-Age Pricing: The basis for the cost of your Medigap is based on the age you purchased the policy.
Average Cost of Medicare Supplement in Utah

Sort by Plan Letter:

A

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  • Company
    Sample Monthly Rate
  • UnitedHealthcare
    $90
  • Humana
    $97
  • Regence
    $119
  • Cigna
    $125
  • Aetna
    $131

FAQs About Medicare Supplement Plans in Utah

The following are some of the frequently asked questions about Medicare Supplement plans in Utah:

Methodology

MoneyGeek collected data from the biggest Medicare Supplement/Medigap providers in Utah for 65-year-olds and 75-year-olds. Plans were only rated as one of the best if we could obtain an accurate quote from the provider online.

MoneyGeek’s scoring system weighted affordability 75% and benefits 25%. A Medigap provider received 5% for every benefit, up to a maximum of 25%.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.


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