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A formulary is a plan's list of covered drugs. Each drug on the list is placed in a tier, and higher tiers generally mean higher out-of-pocket costs for you.
Taking COBRA instead of Medicare when you turn 65 is usually a costly mistake. COBRA is not considered creditable coverage for Medicare purposes, and you could face permanent late enrollment penalties.
Medigap tends to work well for people who want predictable costs, freedom to see any Medicare-accepting doctor, and solid protection against large medical bills. It's often a good fit for people with ongoing health conditions or those who simply want fewer financial surprises.
If you later want to switch from Medicare Advantage to Original Medicare with a supplement, you may be denied coverage or charged higher premiums based on your health history, unless you qualify for a special guaranteed-issue right.
People who qualify for both Medicare and Medicaid are called dual eligible. Medicare pays first, and Medicaid helps cover costs Medicare doesn't fully pay, like premiums, copays, and some services Medicare excludes.
Utah has 14 Medicare Advantage plans for 2026.Availability varies by county.