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It depends on which part of Medicare you're talking about. Original Medicare (Parts A and B) comes directly from the federal government. Medicare Advantage (Part C), Part D drug plans, and Medigap supplemental plans are sold by private insurance companies approved by Medicare.
A good Utah Medicare agent can and should explain both Medicare Advantage and Medigap options. Whether they can offer both depends on their licenses and carrier contracts, which is worth asking upfront.
The Annual Enrollment Period, or AEP, runs from October 15 to December 7 each year. It's the main window when Medicare beneficiaries can switch, join, or drop Medicare Advantage or Part D drug plans.
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.
If you are under 65 and have received Social Security Disability Insurance for 24 months, you automatically qualify for Medicare. The coverage works the same as it does for people 65 and older.
Utah has 14 Medicare Advantage plans for 2026.Availability varies by county.