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Narrow your focus to three things: your doctors, your drugs, and your likely out-of-pocket costs. Comparing everything at once leads to paralysis, so start there and the rest gets easier.
Yes, most Medicare Advantage plans require prior authorization for many services. This means the plan must approve the care before you receive it, or the claim may be denied.
Medicare Part B covers doctor visits, outpatient care, preventive services like screenings and vaccines, and medically necessary services such as lab tests, imaging, and durable medical equipment. You typically pay 20% of the Medicare-approved amount after meeting your annual deductible.
People most commonly forget to check whether their current doctors accept the plan they're enrolling in, and whether their prescriptions are covered at a reasonable cost under that plan's drug formulary.
Medicare is the federal health insurance program for people 65 and older, as well as certain younger people with disabilities. It helps cover hospital stays, doctor visits, and other medical services.
Utah has 14 Medicare Advantage plans for 2026.Availability varies by county.