Who helps explain dual eligibility rules in Utah without pushing a plan?

Dual eligibility means someone qualifies for both Medicare and Medicaid at the same time. The rules around it are genuinely complicated. There are different levels of dual eligibility, different plan types designed for dual-eligible individuals (called D-SNPs, or Dual Eligible Special Needs Plans), and income and asset limits that vary depending on the specific benefit you're trying to access.If you want help sorting this out without feeling like someone is steering you toward a particular plan, your best resource is a SHIP counselor. In Utah, that means contacting the Aging and Disability Resource Centers, or ADRC. These are state-funded offices staffed by people whose job is to explain your options clearly, not sell you something. Their help is completely free.ADRC counselors can walk you through how Medicare and Medicaid interact, which benefits each program covers, and what plans or programs you might qualify for. They can also help you understand the Utah Medicare Savings Program, which helps low-income beneficiaries with Part B premium costs and may be relevant if you're close to qualifying for dual eligibility.What they won't do is push a specific carrier or plan. That distinction matters when you're trying to understand your rights and options before making a decision.

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