Medicare Plans in St. George, Utah

The Medicare decision splits into two camps: Original Medicare + a Medigap Supplement + a Part D drug plan, or a single Medicare Advantage plan that bundles everything. Neither is universally better. Original + Medigap gives you nationwide doctor freedom and very predictable out-of-pocket costs. Medicare Advantage usually has lower premiums, includes extras like dental and vision, but ties you to a network. The right answer depends on your doctors, prescriptions, travel patterns, and budget — and it can change as you age.

Southern Utah has one of the fastest-growing Medicare populations in the country, and the plan landscape here is competitive. Multiple carriers — Humana, UnitedHealthcare, Aetna, SelectHealth, Cigna, Blue Cross — actively bid for Washington and Iron County. That's good for clients because it means real choice, but it also means the cheapest plan one year may not be the cheapest plan the next.

Every Annual Enrollment Period (October 15 – December 7), we re-run your prescriptions and providers against every available plan. About a third of our clients change plans most years — not because they're unhappy, but because a new plan saves them money or covers a new drug better. That review is always free.