Medicare Insurance
Navigating Medicare doesn’t have to be confusing. At Millcreek Insurance Advisors, we help you understand your options, compare plans, and enroll with confidence. Whether you’re turning 65, retiring soon, or helping a loved one, our caring advisors are here to guide you every step of the way—at no extra cost. Millcreek Insurance Advisors, can be reached at 801-201-9975.
Medicare Plans Made Easy
We offer free, personalized support to help you understand how Medicare works and what coverage makes the most sense for you. You’ll work one-on-one with a caring advisor who explains everything in plain language and helps you avoid costly mistakes.
What We Help With
- Original Medicare (Parts A & B)
- Learn what’s covered, what’s not, and how to fill the gaps.
- Medicare Advantage Plans (Part C)
- All-in-one plans that may include dental, vision, hearing, and prescriptions.
- Prescription Drug Coverage (Part D)
- Get help choosing a plan that covers your medications at the lowest possible cost.
- Medicare Supplement (Medigap) (Part G,N,K, L)
- Fill in the gaps of Original Medicare with plans that help reduce out-of-pocket costs.
Your Medicare Options Made Simple
Medicare can be confusing, but it doesn’t have to be. We help you understand the parts of Medicare—A, B, C, and D—and what they mean for your health and your wallet. Whether you're new to Medicare or reviewing your options, we make it easy to find the right fit.
Medicare Advantage, Supplements, and Drug Plans
We explain your choices, like Medicare Advantage plans, Medigap (supplement) plans, and prescription drug coverage. Each option offers different benefits. Our team helps you compare plans based on your needs, budget, and doctors you trust.
When to Enroll in Medicare
We’ll help you enroll at the right time to avoid penalties and delays. Whether it’s your Initial Enrollment Period, Special Enrollment, or Annual Open Enrollment, we make the timeline clear and stress-free.
Why Work With Millcreek Insurance Advisors?
CARING AGENTS BASED
NO CALL CENTERS OR CONFUSING ONLINE FORMS
WE COMPARE TOP CARRIERS AND NARROW IT DOWN TO YOUR BEST 3 OPTIONS
HELP WITH PAPERWORK, PLAN CHANGES, AND ANNUAL REVIEWS
NO ADDITIONAL COST TO YOU—OUR HELP IS 100% FREE
Let’s Make Medicare Simple
Call 801-201-9975 or click below to speak with a caring advisor today. We’re here to help you get the coverage you need and the peace of mind you deserve.
Do I have to sign up for Medicare if I'm still working in Utah?
It depends on your employer's size. If your employer (or your spouse's employer) has 20 or more employees, you can usually delay Part B without penalty. If the employer has fewer than 20 employees, you must generally sign up for Part B when you turn 65 to avoid lifelong late penalties.
What are the local Medicare Advantage (Part C) options, and are they better than Original Medicare?
There are numerous Medicare Advantage (MA) plans from various private carriers (HMOs, PPOs). MA plans combine Part A and B, often include Part D (drugs) and extra benefits (dental, vision). The "better" choice is personal; it depends on whether you prefer lower monthly premiums/extra benefits (MA) and are comfortable with a provider network, or prefer nationwide coverage and freedom of choice (Original Medicare + Medigap).
How do I get free, unbiased help with Medicare in Salt Lake or Davis County?
You can contact me, my service is free.
How much does Medicare Part B cost, and is there a way to get help paying the premium?
The Part B premium is a standard monthly amount (it changes yearly) and is usually deducted from your Social Security check. Yes, there is help. Low-income residents may qualify for a Medicare Savings Program (MSP), which can pay for all or part of the Part B premium.
When is the absolute deadline to sign up for Medicare when I turn 65?
Your Initial Enrollment Period (IEP) is a seven-month window:
- It begins 3 months before your 65th birthday month.
- It includes your birth month.
- It ends 3 months after your birth month. Missing this window, if you don't have other "creditable coverage," can result in late enrollment penalties.
Do I need Medigap (Medicare Supplement) in addition to Original Medicare?
Original Medicare (Parts A & B) only pays about 80% of costs; you are responsible for the remaining 20% (coinsurance) plus deductibles. Medigap policies are sold by private insurers to fill these "gaps." Most people pair Original Medicare with a Medigap policy and a separate Part D drug plan to minimize unpredictable out-of-pocket costs.
What is the Medicare 'Birthday Rule' in Utah, and how does it help me switch plans?
The Utah "Birthday Rule" is a special 60-day window (starting on your birthday) where you can switch from one Medigap plan to another Medigap plan of equal or lesser benefits that is offered by your current insurance carrier. This is a limited state benefit that allows some flexibility outside of your initial enrollment period.
How do I get prescription drug coverage (Part D)?
Original Medicare (Parts A & B) does not cover most retail prescriptions. You must enroll in either:
- A separate, stand-alone Medicare Part D Prescription Drug Plan (PDP).
- A Medicare Advantage Plan (Part C) that includes prescription drug coverage (MAPD).
I can't afford my medications. What assistance is available locally?
You should apply for the federal Extra Help program (also called the Low-Income Subsidy or LIS) through the Social Security Administration. If you qualify, this program significantly lowers your Part D premium, deductibles, and co-pays for prescriptions.
Do I have to change doctors or hospitals if I enroll in a Medicare Advantage plan?
Maybe. While Original Medicare is accepted by nearly all doctors nationwide, Medicare Advantage plans use specific local networks (HMOs or PPOs). You must verify that your preferred doctors and hospitals in Salt Lake or Davis County are in-network with the plan you choose before enrolling