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Original Medicare (Parts A and B) does not cover most prescription drugs. Drug coverage comes from Medicare Part D, which is a separate plan you add on, or from a Medicare Advantage plan that includes drug coverage.
TRICARE for Life is a Medicare supplement benefit for military retirees and their dependents. It wraps around Medicare, covering most of what Medicare does not, so your out-of-pocket costs are typically very low.
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.
Several carriers offer Medicare Advantage plans in Utah, including SelectHealth, Regence BlueCross, UnitedHealthcare, Humana, Aetna, Molina, Devoted Health, Cigna, and Wellcare. Availability varies by county, and plan offerings change each year.
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.
Utah has 14 Medicare Advantage plans for 2026.Availability varies by county.