Medicare FAQ

Most people first enroll in the 7-month window around their 65th birthday (IEP). After that, the yearly window is AEP, October 15 to December 7.

Part B and Part D can add a late-enrollment penalty if you go without creditable coverage past your first chance to enroll. Enroll on time, or keep employer coverage and use a Special Enrollment Period when it ends.

Part A is hospital. Part B is medical. Part C is Medicare Advantage. Part D is prescription drugs.

An HMO usually requires you to use doctors and hospitals in that plan’s network and may need a referral to see a specialist. A PPO still has a network, but you can often see out-of-network providers at a higher cost, and referrals are less common. Rules and networks change by plan and Utah county. Confirm the current available directory for the doctors you use.

Only if that clinic or hospital is in-network for the specific Advantage plan and year, or if you stay on Original Medicare (with or without Medigap) and the provider accepts Medicare.

No. Select Health is Intermountain-affiliated, but some national carriers also contract with Intermountain facilities in some counties. Confirm the current available directory.