Medicare Supplement

Medigap in Salt Lake City: the plan letters Utah still sells and how they fit with Original Medicare

If you have Original Medicare in Salt Lake City and you are looking at a Medicare Supplement — or Medigap — policy, the first thing to know is that the plans are federally standardized. That means a Plan G from one company covers the same medical bills as a Plan G from another. What changes is who sells it, how they price it, and which letters they choose to offer in Utah.

Salt Lake City sits in Salt Lake County, and according to Medicare.gov's Medigap policy search, 23 insurers offer Medigap policies in the ZIP 84101 area, covering Plans A, B, C, D, F, F-HD, G, G-HD, K, L, M, and N. Not every insurer sells every letter, so the shopping question is really two questions: which letter fits my situation, and which company sells that letter in Utah.

How Medigap fits with Original Medicare and Part D

Medigap is a private insurance policy that pays some of the costs Original Medicare leaves behind — things like the Part A hospital coinsurance and, depending on the letter you pick, the Part B coinsurance, skilled nursing coinsurance, or the Part A deductible.

A few basics that trip people up:

• Medigap only pairs with Original Medicare. If you are on a Medicare Advantage plan, you cannot also use a Medigap policy.
• Medigap does not include prescription drug coverage. If you want help with drug costs, you enroll separately in a Part D plan.
• Medigap does not cover dental, vision, hearing aids or long-term care.

For 2026, the Part D maximum deductible is $615 and there is a $2,100 annual out-of-pocket cap on covered drugs — the coverage gap is gone as of 2025, and Part D now has three phases. Medicare also offers the Medicare Prescription Payment Plan, an optional way to spread drug costs across the calendar year.

The plan letters you can buy in Utah

Utah follows the federal standardization used in most states (Massachusetts, Minnesota and Wisconsin have their own system). If you became eligible for Medicare on or after January 1, 2020, your choices are:

• Plan A, Plan B, Plan D, Plan G, high-deductible Plan G, Plan K, Plan L, Plan M, and Plan N.
• Plans C and F remain available only to people who were eligible for Medicare before January 1, 2020.

Plans G and N are the most commonly sold letters for newer enrollees, but that does not make them the right fit for everyone. Plan K and Plan L pay a smaller share of your costs in exchange for lower premiums; high-deductible G asks you to meet a deductible before benefits kick in; Plan N has small copays for some office and ER visits. Which one makes sense depends on how you use care and what you want your monthly cost to look like.

Which insurers sell Medigap here

The table below lists every insurer offering Medigap in the Salt Lake City area, along with the letters each one sells. A quick look shows that some companies focus on Plans A, F, G and N, while others — like Educators Mutual Insurance Association and United American Insurance Company — carry a broader set of letters that includes Plans B, D, K and L.

Names you may recognize on the Utah list include AARP - UnitedHealthcare Insurance Company, Aetna Health and Life Insurance Company, AFLAC, Humana (HumanaDental Insurance Company), Mutual of Omaha (Omaha Insurance Company), Regence BlueCross BlueShield of Utah, State Farm Mutual Automobile Insurance Company, and USAA Life Insurance Company. There are 23 insurers total; the full carrier-by-plan grid appears below.

Because a Plan G is a Plan G everywhere, comparing companies really means comparing price, how the insurer sets and raises rates over time, and how they handle customer service and claims.

Utah rules and timing that shape your choice

Two dates matter more than any other when you buy Medigap:

• The six-month Medigap Open Enrollment Period starts the month you are 65 or older and enrolled in Part B. During that window, insurers in Utah must sell you any Medigap policy they offer at their best available rate for your age, and they cannot turn you down or charge more for health reasons.
• Certain guaranteed-issue rights apply outside that window — for example, if you lose other coverage or if a Medicare Advantage plan you joined ends. Federal law sets the floor; states can add more.

Outside of your open enrollment or a guaranteed-issue situation, insurers in Utah are generally allowed to use medical underwriting, which means they can consider your health when deciding whether to sell you a policy and what to charge. Utah does not have the well-known "birthday rule" that a few other states use; for the current, state-specific list of your rights and any recent changes, check with the Utah Insurance Department and the state's SHIP counselors (Utah calls this program SHIP too — free, unbiased help from trained volunteers).

How to compare policies without getting overwhelmed

A simple approach that works for many Salt Lake City shoppers:

1. Pick the letter first. Decide what you want the plan to cover based on how often you see the doctor and how much predictable monthly cost you prefer. 2. Then compare insurers on that one letter. Because benefits are identical within a letter, this is a fair apples-to-apples comparison. 3. Ask each insurer how they price the plan — attained-age, issue-age, or community-rated — and how often rates have gone up. 4. Add up your Medigap premium and your Part D premium together to see your full monthly cost for Original Medicare plus supplements.

Do not rely on ads or mailers to tell you which plan is right. Use Medicare.gov's Medigap policy finder, and if you want a person to walk you through it, your local SHIP can review options with you at no charge.