Yes. When you first enroll in Medicare Part B at 65, you have a federally protected Medigap Open Enrollment Period that gives you the right to buy a Medigap policy without medical underwriting, meaning insurers can't deny you or charge more based on your health.
Medigap, also called Medicare Supplement, is private insurance that helps cover costs Original Medicare doesn't pay, like copays, coinsurance, and deductibles. And your strongest opportunity to get it is right when you turn 65 and enroll in Part B.During your Medigap Open Enrollment Period, which lasts six months starting the month your Part B begins, insurance companies in Utah must sell you any Medigap plan they offer. They can't turn you down or charge you more because of a pre-existing condition. That protection is significant and it doesn't come back automatically after the window closes.After that six-month window, insurers in most states, including Utah, can use medical underwriting. That means they can review your health history, charge you more, or decline to sell you a policy at all. There are some exceptions, called guaranteed issue rights, tied to specific life events like losing employer coverage or your plan leaving Medicare, but those are narrower than the original open enrollment window.So turning 65 isn't just about picking a plan. It's the one time most people have the broadest, most protected access to Medigap coverage. Missing it can make getting covered later harder and more expensive. Plan details and premiums vary, so it's worth comparing your options before that window closes.
In Utah, Medigap policies are sold by carriers like SelectHealth, Regence BlueCross, UHC, Humana, and others. Premiums and plan availability vary by carrier and your age at enrollment. Utah's ADRC (Aging and Disability Resource Centers) offers free, unbiased help comparing Medigap options if you want a starting point before talking to an agent.
For you, this means your 65th birthday window is genuinely valuable, and letting it pass without at least reviewing your Medigap options is a decision worth making intentionally, not by default.
Our Commitment to Reliable Medicare Information
At Resting Sycamore Advisors, we work to provide accurate, current, and trustworthy information about Medicare Advantage, Medicare Part D, and Special Needs Plans.
To do that, we use data published by the Centers for Medicare & Medicaid Services (CMS), which is the official source for Medicare plan and enrollment information.
Our Medicare plan pages and comparison tools are powered by CMS datasets, including:
When possible, we link to the original CMS resources so you can review the source material directly.
We follow the CMS release schedule and update our website as new data becomes available.
We load new plan year Landscape and PBP files before the Medicare Annual Enrollment Period (October 15 through December 7). We also monitor CMS.gov for updates or revisions and refresh our content when needed.
We update enrollment and performance data as CMS publishes revised files, which are typically released monthly or quarterly.
We routinely monitor CMS announcements for corrections, reissued files, or other changes and update our pages accordingly.
Each plan page includes a Last Accessed date so visitors can see when the source information was most recently reviewed.
CMS data can be difficult to read in raw form. To make it easier to use, we format and organize the data for clarity.
This includes:
All data values come from CMS. We do not change the underlying values beyond formatting, organization, and presentation.
We keep internal records of the CMS dataset versions used on our site.
If CMS issues corrected or revised files, we update our website to reflect the latest available version.
Please keep the following in mind:
For personalized Medicare assistance, please use these official resources: