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To align your Medicare start date with your retirement date, you need to know whether you have employer coverage right now and how long it will last. If your employer coverage ends the same month you retire, you will want Medicare to start that same month so there is no gap.
Medicare has four main parts: Part A covers hospital care, Part B covers doctor visits and outpatient care, Part C is Medicare Advantage (a private plan alternative), and Part D covers prescription drugs.
No. Original Medicare does not include prescription drug coverage. To get drug coverage through Medicare, you need to add a separate Part D plan.
Catastrophic coverage is the final phase of Medicare Part D drug coverage, reached after you and your plan have spent a certain amount on covered drugs in a year. Once there, your out-of-pocket costs for covered drugs drop significantly.
Original Medicare with a Medigap supplement gives you the most flexibility if your health changes suddenly, since it has no network restrictions and you can see any Medicare-accepting provider without referrals.
Utah has 14 Medicare Advantage plans for 2026.Availability varies by county.