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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.
SelectHealth Medicare Advantage plans are the most closely aligned with Intermountain Health's physician network, since SelectHealth is owned by Intermountain. Other carriers may include some Intermountain-affiliated doctors, but coverage varies by plan and location.
Medicare Advantage provider networks can change every year. Doctors and hospitals are not required to stay in a plan's network, and plans can add or remove providers at any time, though major changes typically take effect at the start of a new plan year.
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.
Medicare Advantage plans generally cover out-of-network emergency care, but non-emergency care at an out-of-network hospital may cost significantly more or may not be covered at all, depending on your plan type.
Specialist access through Medicare Advantage depends on the plan type, network size, and prior authorization requirements. PPO plans generally offer more specialist flexibility than HMOs, and network size varies by carrier and county in Utah.
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.