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Whether your hospital is included depends on which Medicare Advantage plan you choose and whether that hospital has contracted with it. You need to verify this directly before enrolling, because hospital participation changes and directories aren't always current.
If your doctor leaves your Medicare Advantage network, you may need to find a new in-network provider or pay higher out-of-pocket costs to keep seeing them. You may qualify for a Special Enrollment Period to switch plans in some cases.
Coverage outside your Medicare Advantage plan's home service area is limited. Emergency care is covered anywhere in the U.S., but routine care outside your area typically is not, unless you have a PPO plan that includes out-of-network benefits.
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.
Most Utah Medicare Advantage plans cover emergency and urgent care anywhere in the U.S., but routine care outside Utah typically requires you to be in the plan's service area. Coverage rules vary by plan type and carrier, so check your plan documents before traveling.
Several Medicare Advantage carriers include University of Utah Health providers in their networks, but coverage depends on the specific plan and whether those providers are in-network or out-of-network. Always verify before enrolling.
Peter Abilla is a licensed Utah Medicare agent. He can walk you through this plan's costs, coverage, and whether your doctors are in-network.