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Medicare does not cover most long-term care, like ongoing help with bathing, dressing, or living in a nursing home. Planning ahead with other financial tools is important, because the costs can be significant.
A Medicare agent can help you compare plans, explain costs, and guide you through enrollment at no charge to you. Agents are paid by insurance carriers, not by you. It is not required, but most people find the process easier with help.
If your employer has 20 or more employees, you can usually wait until you stop working to sign up for Part B without a penalty. However,most people still sign up for "premium-free" Part A during their 65thbirthday window just to have that extra hospital coverage.
It depends. Federal law gives disabled Medicare beneficiaries under 65 some Medigap rights, but Utah does not go as far as some other states in protecting those rights. Your options are more limited than they would be at 65.
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.
Utah has 14 Medicare Advantage plans for 2026.Availability varies by county.