Medicare date calculator
See your seven-month Initial Enrollment Period, your earliest coverage date, and your Medigap window.
Medicare Supplement / Medigap
Medicare Supplement (Medigap) insurance solutions
A Medicare Supplement — Medigap — sits behind Original Medicare and pays the deductibles and coinsurance Medicare leaves to you. You keep Original Medicare, you keep access to any provider in the country who accepts it, and your costs become predictable.
Book a call 435-292-8777Speak with a licensed insurance agent · TTY 711
Original Medicare covers a lot, but not all of it. Part A has a per-benefit-period hospital deductible. Part B pays 80% of approved charges and leaves the other 20% open-ended, with no annual cap. A Medigap plan is the thing that closes that gap.
Medigap plans are standardised by letter. A Plan G from one carrier pays exactly what a Plan G from another carrier pays — the benefits are set by law. What differs is the premium, the carrier's rate-increase history, and how the plan is priced as you age. That is where an independent agent earns their keep: comparing identical benefits on price and stability rather than selling you a brochure.
The other thing that matters, and that people find out too late, is medical underwriting. During your Medigap Open Enrollment — the six months beginning when you are 65 and enrolled in Part B — you can buy any Medigap plan sold in Utah regardless of your health. After that window, in most situations a carrier can ask health questions and decline you. This is the single most consequential deadline in Medicare, and it is the reason to have this conversation early.
Medigap does not include prescription drug coverage, so a standalone Part D plan is part of the same decision. Sarah prices the pair together — supplement plus Part D — against the Advantage alternative, so you are comparing total yearly cost rather than two premiums that are not comparable on their own.
What's included
- Plan G, Plan N and high-deductible Plan G compared on total yearly cost, not just monthly premium
- Carrier rate-increase history reviewed — the cheapest plan today is not always the cheapest in five years
- Your Medigap Open Enrollment window explained clearly, before it closes
- Guaranteed-issue rights explained if you are leaving an employer plan or an Advantage plan
- Paired with the right standalone Part D plan for your actual prescriptions
- Freedom to use any provider nationwide who accepts Medicare — useful if you travel or winter elsewhere
Carriers we work with
Carriers we compare
Medicare carriers
- Devoted Health
- HealthSpring (Cigna)
- Humana
- Molina
- SelectHealth
- UnitedHealthcare
Important: We do not offer every plan available in your area. Currently we represent 8 organizations which offer 72 products in your area. Please contact Medicare.gov, 1-800-MEDICARE to get information on all of your options.
Tools
Run the numbers first
Free calculators for this coverage. Instant results in your browser — estimates, not quotes.
IRMAA estimator
See whether your income adds a surcharge to your Part B premium — and how much.
Advantage vs Medigap cost
Compare what each path could cost you in a typical year — and in a tough one.
FAQ
Medicare Supplement / Medigap — common questions
Can I switch to a Medigap plan later if I change my mind?
Sometimes, but not always, and that is the catch. Outside your Medigap Open Enrollment window and outside specific guaranteed-issue situations, carriers in Utah can medically underwrite you and decline the application. If a Medigap plan is something you may want, the time to look at it seriously is when you first enroll in Part B.
Does a Medicare Supplement plan include prescription coverage?
No. Medigap plans cover the gaps in Parts A and B only. Drug coverage comes from a separate standalone Part D plan, which you enroll in alongside the Supplement.
Budgeting for a Medigap path therefore means three figures, not one: the Part B premium, the Medigap premium and the Part D premium.
Why do two people the same age pay different Medigap premiums?
Because the benefits are standardised but the pricing is not. Plan G covers the same things at every carrier by law, so carriers compete on price, rating method and rate-increase history rather than on coverage.
That is genuinely useful: it means comparing Plan G is a price comparison, not a coverage comparison. It also means the cheapest one today is not automatically the cheapest one in five years.
Can I use any doctor with a Medicare Supplement?
Any provider who accepts Medicare assignment, anywhere in the country, with no network and no referrals. That is the main practical difference from a Medicare Advantage plan.
It matters most for people who travel, spend part of the year in another state, or want to keep the option of a specialist center without checking a network first.
What does it cost to work with CUPS Insurance on Medicare Supplement / Medigap?
Nothing. Carriers pay a commission when a plan is issued, and that commission is already built into the plan price whether you use an agent or not.
Buying the same plan on your own does not make it cheaper — it just means nobody checked your doctors and prescriptions first, and nobody picks up the phone in March when something goes wrong.
Does CUPS Insurance offer every plan available for Medicare Supplement / Medigap?
No, and no agency does. We are independent, which means we compare across the carriers listed on this site rather than representing a single one — but that is not the same as offering every plan on the market.
We do not offer every plan available in your area. Currently we represent 8 organizations which offer 72 products in your area. Please contact Medicare.gov, 1-800-MEDICARE to get information on all of your options.
Who will actually be helping me?
Sarah Wood Rodriquez, licensed since 2009 — over 17 years — and licensed in Utah, Arizona, Idaho. NPN 14943086.
The person who answers the phone is the person who reviews your plan. There is no call center and no handing you between departments.
How do I get started with Medicare Supplement / Medigap?
Call Sarah, a licensed insurance agent, at 435-292-8777 (TTY 711) or book a call. The first conversation usually runs twenty to thirty minutes and there is nothing to sign.
Bring your prescription list and your doctors’ names — with those, the comparison can be a real one rather than a generic one.
Learn
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Grab a cup. Let's make insurance make sense.
A real conversation with a licensed agent who will check your doctors and prescriptions before you decide — and answer the phone all year after that.
Book a call with Sarah Call 435-292-8777 Speak with a licensed insurance agent · TTY 711
Office hours: 10:00 AM – 5:00 PM · Ogden, Utah · NPN 14943086