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Yes, VA drug coverage is generally considered creditable for Medicare Part D, meaning you typically won't face a late enrollment penalty if you later decide to add Part D. However, you should verify your specific VA coverage status and confirm it meets the creditable standard.
Watch out for high-pressure tactics, unsolicited contact, requests for your Medicare number before you've agreed to anything, and promises that sound too good to be true. Legitimate agents don't need to rush you.
If your spouse is still covered by an employer plan when you turn 65, you can delay some parts of Medicare without penalty, but the rules depend on the employer's plan and your situation.
SelectHealth Medicare Advantage plans have the most consistent access to Intermountain hospitals, given the ownership connection between the two organizations. Other carriers may include Intermountain facilities, but you should verify before enrolling.
Before choosing a Medicare plan, know your doctors, your medications, your budget, and how much unpredictability in costs you can handle. Those four things shape almost every decision.
Utah has 14 Medicare Advantage plans for 2026.Availability varies by county.