Utah Medicare Advantage Plans may leave gaps in coverage

Now that Medicare Annual Election Period is over,often times people feel like even with how good these Utah Medicare Advantage plans have gotten, there are still opportunities to face significant out of pocket expenses. The biggest culprits are typically any type of hospital or skilled nursing stay. More often than not daily hospital co-pays range from $150 or more (from 7 days up to 18) and skilled nursing stays start as low as $50 per day, and increase depending on the length of stay. There are ways to help offset these costs for a reasonable fee.What I am referring to are indemnity plans. These plans can be designed to pay a lump sum upon entrance into the hospital, or a daily amount for every day you are there. Most also have skilled nursing and ambulance riders to help offset those costs as well. Often times for less than $1 per day, this coverage can help fill some of the gaps left open by the Utah Medicare plans. As always, if I can help, call me.