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Yes. Social Security and Medicare are separate programs. You can sign up for Medicare at 65 while delaying Social Security retirement benefits, but you will need to enroll in Medicare actively since it won't happen automatically.
Medicare Savings Programs are state-run programs that help people with limited income and assets pay for Medicare costs like Part B premiums, deductibles, and copays. There are four levels, each covering different costs depending on how much you qualify for.
People who qualify for Medicare under 65 due to disability often face higher Medigap premiums in Utah, and some carriers may limit which plans they can buy. Federal law does not require insurers to sell Medigap to people under 65, though Utah has some protections in place.
You generally need 40 work credits, which most people earn over about 10 years of working and paying Medicare taxes, to get Part A without a monthly premium.
Medicare Advantage provider networks can change every year. Doctors and hospitals are not required to stay in a plan's network, and plans can add or remove providers at any time, though major changes typically take effect at the start of a new plan year.
Utah has 14 Medicare Advantage plans for 2026.Availability varies by county.