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MOOP stands for Maximum Out-of-Pocket. It is the most you would have to pay in a calendar year for covered medical services under a Medicare Advantage plan, after which the plan pays 100% of covered costs for the rest of the year.
If you move out of your Medicare Advantage plan's service area, you qualify for a Special Enrollment Period that lets you switch plans without waiting for the annual open enrollment window.
D-SNP availability in Utah depends on your county, your Medicaid eligibility, and which carriers participate each year. Not every plan is offered in every part of the state, and available plans change annually.
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.
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.
Yes, most Medicare Advantage plans require prior authorization for many services. This means the plan must approve the care before you receive it, or the claim may be denied.
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.