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Most people enroll in Medicare through Social Security, either online at SSA.gov, by calling 1-800-772-1213, or by visiting a local Social Security office. The right time to enroll depends on your age and whether you have other coverage.
If you choose a plan that turns out to be a poor fit and then face a serious illness, you're not locked in permanently. Medicare has an annual Open Enrollment Period each fall where you can switch plans for the following year.
Creditable drug coverage means your current prescription drug coverage is at least as good as standard Medicare Part D. If your coverage is creditable, you can delay Part D enrollment without paying a late penalty later.
To find your lowest total drug cost, compare plans using Medicare's Plan Finder tool at Medicare.gov, entering your specific medications. Total cost includes the premium, your deductible, and what you'll pay at the pharmacy for each drug throughout the year.
Medicare is the federal health insurance program for people 65 and older, and for some people with disabilities. It is split into parts that cover hospital stays, doctor visits, prescription drugs, and more.
Utah has 14 Medicare Advantage plans for 2026.Availability varies by county.