Utah · Medicare & diabetes · 2026
Medicare Insulin & Diabetes Costs in Utah (2026): $35 Cap
Insulin is capped at $35 a month. Almost everything else about diabetes on Medicare depends on which Part covers it, which plan you chose, and which Utah county you live in.
The bottom line
- Insulin costs no more than $35 a month per covered product under Part D and under Part B (pump insulin), with no deductible, per Medicare.gov. A 90-day fill is capped at $105.
- Nearly everything else is Part B at 20% after the $283 deductible: continuous glucose monitors, meters, test strips, lancets, diabetes self-management training, yearly eye exams, foot care and therapeutic shoes.
- Three things are free when your provider accepts assignment: diabetes screening tests (up to 2 a year), medical nutrition therapy, and the Medicare Diabetes Prevention Program, which has 25 listed Utah locations.
- 31.8% of Medicare beneficiaries have been diagnosed with diabetes (CMS survey, 2022), and 21% of them take insulin. In Utah, diagnosed diabetes among adults runs from 6.9% in Utah County to 15.4% in San Juan County (CDC PLACES).
- Seven diabetes drugs have negotiated Medicare prices: Januvia, Jardiance, Farxiga and NovoLog since January 2026; Ozempic, Tradjenta and Janumet from January 1, 2027.
If you take insulin, the single most important number in this article is $35: that is the most a Medicare drug plan or Part B can charge you for a one-month supply of any covered insulin in 2026, and it applies from January 1 with no deductible to meet first. But insulin is only one line on a diabetes budget. The meter, the strips, the sensor that replaced the strips, the podiatrist, the retina exam, the shoes, the class that teaches you to manage all of it, and the pills that many Utah retirees take instead of or alongside insulin each sit under a different set of Medicare rules, and the rules decide the bill. This article lays them out using Medicare.gov's current coverage pages, CMS's own survey of beneficiaries with diabetes, and county-level diabetes estimates from the CDC for every Utah county.
What does Medicare pay for insulin in 2026?
Medicare.gov's insulin page is unusually direct: “The cost of a one-month supply of each Part B- and Part D-covered insulin product is no more than $35, and you don’t have to pay a deductible for insulin.” Two features of that sentence matter in practice. First, the limit is per product, so someone on a long-acting and a mealtime insulin pays up to $35 for each, or $70 a month. Second, it is a ceiling, not a price; a plan can charge less, and some place insulin on a lower-cost tier.
Which Part pays depends on how you take it. Part B covers insulin only when it is used in a durable insulin pump covered under Part B's durable medical equipment benefit. Everything else, including pens, vials, disposable patch pumps and the insulin that goes in them, inhaled insulin, and the syringes, needles, swabs and gauze used with injections, is Part D. If you have Part B and a Medigap policy that pays Part B coinsurance, Medicare.gov says the policy “should cover the cost ($35 or less)” of pump insulin. And under Part D the $35 limit “applies to everyone who takes insulin, even if you get Extra Help.”
| Item | Covered by | What you pay in 2026 | Notes |
|---|---|---|---|
| Insulin in a durable (Part B) pump | Part B | $35 or less per month per product, no deductible | Medigap that covers Part B coinsurance should pay it |
| Insulin by pen, vial, patch pump or inhaler | Part D | $35 or less per month per product, no deductible | Applies during the $615 deductible phase and with Extra Help |
| 90-day supply of one insulin | Part B or D | $105 or less | $35 for each month's supply |
| Syringes, needles, alcohol swabs, gauze | Part D | Plan cost-sharing | Under Part B alone you pay all of the cost |
| Durable insulin pump | Part B (DME) | 20% after the $283 deductible | Some areas must use specific suppliers |
| Non-insulin diabetes drugs (Januvia, Jardiance, metformin, etc.) | Part D | Plan tier cost-sharing; deductible up to $615; cap $2,100 | Negotiated prices for several drugs, see below |
Sources: Medicare.gov, Insulin — medicare.gov; Medicare.gov, Costs (2026 Part B deductible $283) — medicare.gov; CMS, Final CY 2026 Part D Redesign Program Instructions (deductible $615, cap $2,100) — cms.gov.
One more point on the Part D side. Insulin's $35 copay counts toward the $2,100 out-of-pocket cap for 2026, and so does what you pay for the pills. A Utahn on two insulins plus Jardiance and a statin can reach the cap by late in the year, after which covered drugs cost nothing through December. The monthly premium does not count, and it never stops.
How many Utah retirees is this about?
CMS's Medicare Current Beneficiary Survey asked people on Medicare in 2022 whether they had ever been diagnosed with diabetes. Among beneficiaries living in the community, 31.8% said yes: 30.8% of those 65 to 74, 32.8% of those 75 to 84, and 27.1% of those 85 and over. The West census region, which includes Utah, came in at 33.3%. Of the beneficiaries with diabetes, 21% take insulin, 60.1% test their own blood sugar, 65% had a foot exam in the past year, and only about 34% have ever completed a diabetes self-management course, a Part B benefit most people never use.
Sources: CMS, Medicare Current Beneficiary Survey, 2022 Diabetes Prevalence and Self-management Among Medicare Beneficiaries PUF, Tables 1–3 — cms.gov; CMS, Medicare Monthly Enrollment, Utah, May 2026 — data.cms.gov.
The survey does not publish a Utah-only figure. If Utah's 488,797 beneficiaries matched the national rate, roughly 155,000 would have a diabetes diagnosis; treat that as an illustration, not a count; the survey is national and Utah's own rate may differ. What the CDC does publish is a model-based estimate of diagnosed diabetes among all adults for every Utah county, and the geography is striking. The Wasatch Front counties where most Utah retirees live sit at the low end; the rural southeast and the coal country of Carbon and Emery counties sit at the high end; and Washington County, the state's fourth-largest Medicare county and a major retirement destination, is a full two points above Salt Lake County.
Diagnosed diabetes among adults 18+, crude prevalence, six highest Utah counties plus the five largest Medicare counties. Source: CDC PLACES, County Data 2025 release (2023 BRFSS model-based estimates) — cdc.gov/places.
| County | Diagnosed diabetes, adults | 95% range | Medicare beneficiaries, May 2026 |
|---|---|---|---|
| Salt Lake | 8.5% | 7.5–9.6% | 166,451 |
| Utah | 6.9% | 6.1–7.9% | 72,092 |
| Davis | 8.2% | 7.1–9.4% | 49,716 |
| Washington | 10.7% | 9.2–12.3% | 48,039 |
| Weber | 9% | 7.8–10.3% | 42,738 |
| Cache | 7.8% | 6.6–9.1% | 17,629 |
| Iron | 9.4% | 8.1–10.9% | 11,217 |
| Tooele | 8.9% | 7.6–10.2% | 10,235 |
| Box Elder | 9.3% | 7.8–10.9% | 10,204 |
| Summit | 8.7% | 7.3–10.1% | 8,548 |
| Wasatch | 8.4% | 7–9.8% | 6,111 |
| Sanpete | 10.4% | 8.9–11.9% | 5,673 |
| Uintah | 10.5% | 9–12% | 5,480 |
| Carbon | 12.8% | 11–14.8% | 4,940 |
| Sevier | 10.5% | 8.8–12% | 4,765 |
| Duchesne | 11% | 9.6–12.7% | 3,807 |
| Millard | 11.8% | 10.2–13.6% | 2,793 |
| San Juan | 15.4% | 13.5–17.5% | 2,531 |
| Kane | 11.8% | 10.1–13.8% | 2,347 |
| Grand | 11.2% | 9.6–13.1% | 2,300 |
| Emery | 11.2% | 9.5–13% | 2,298 |
| Morgan | 8.1% | 6.8–9.6% | 2,008 |
| Juab | 9% | 7.7–10.4% | 1,983 |
| Beaver | 9.8% | 8.2–11.6% | 1,518 |
| Garfield | 11.6% | 9.8–13.4% | 1,357 |
| Wayne | 13.1% | 11.1–15.4% | 733 |
| Rich | 11.6% | 9.7–13.4% | 537 |
| Piute | 15.2% | 12.9–17.9% | 462 |
| Daggett | 13.5% | 11.5–15.6% | 285 |
All 29 Utah counties, sorted by Medicare enrollment. Prevalence is for all adults, not Medicare beneficiaries alone; the rate among people 65 and older is higher in every county. Sources: CDC PLACES County Data 2025 release, measure DIABETES, crude prevalence — data.cdc.gov (API); CMS Medicare Monthly Enrollment, county level, May 2026 — data.cms.gov.
What else does Medicare cover for diabetes, and what does each cost?
The insulin cap gets the headlines, but the survey numbers above explain why the rest of the list matters: 31.2% of beneficiaries with diabetes have had neuropathy, 20.7% have had foot problems, 12.3% currently have eye problems from the disease, and 18.6% had a low-blood-sugar episode in the past year. Each of those has a Medicare benefit attached to it. Every item below is Part B, and the cost column assumes your provider or supplier accepts assignment.
| Benefit | Who qualifies | How often | What you pay in 2026 |
|---|---|---|---|
| Diabetes screening (fasting glucose, A1C) | At least one risk factor: high blood pressure, abnormal cholesterol, obesity, history of high blood sugar; or two of: age 65+, overweight, family history, gestational diabetes | Up to 2 per year | $0 |
| Medicare Diabetes Prevention Program | Prediabetes (A1C 5.7–6.4% or equivalent), BMI 25+, never diagnosed with diabetes or ESRD | 16 weekly core sessions plus 6 monthly follow-ups | $0 |
| Medical nutrition therapy | Diabetes or kidney disease, or a kidney transplant | 3 hours first year, 2 hours each year after | $0 |
| Diabetes self-management training | Diagnosed diabetes, with a provider's order | Up to 10 hours initially, then 2 hours a year | 20% after $283 deductible |
| Continuous glucose monitor and sensors | Takes insulin or has a history of hypoglycemia; trained to use it | As prescribed | 20% after deductible |
| Blood glucose meter, test strips, lancets, control solution | Diabetes, with a prescription | As prescribed | 20% after deductible |
| Eye exam for diabetic retinopathy | Diabetes | Once a year | 20% after deductible, plus facility copay if hospital outpatient |
| Glaucoma screening | Diabetes (among other risk factors) | Once every 12 months | 20% after deductible |
| Foot exam and care | Diabetic peripheral neuropathy with loss of protective sensation | Every 6 months | 20% after deductible |
| Therapeutic shoes and inserts | Diabetes with severe diabetic foot disease, certified by the treating doctor | One pair of shoes plus inserts per calendar year | 20% after deductible |
Sources: Medicare.gov coverage pages for diabetes screenings, the Medicare Diabetes Prevention Program, medical nutrition therapy, diabetes self-management training, continuous glucose monitors, test strips, diabetic eye exams, glaucoma screenings, foot care and therapeutic shoes.
Two details Utahns trip over. The CGM rule is about eligibility, not brand: Medicare pays if you take insulin or have a history of problems with low blood sugar, which opens the benefit to some people on non-insulin regimens; ask your doctor to document the hypoglycemia history if that is your situation. And “accepts assignment” is doing real work in the cost column. A participating DME supplier can only charge the 20% coinsurance and deductible on the Medicare-approved amount; Medicare.gov warns that if a supplier does not participate and will not accept assignment, “there's no limit on the amount they can charge you.” Ask before the sensors ship.
The three $0 benefits are the ones most worth a phone call. The Medicare Diabetes Prevention Program in particular is a year-long, coach-led program for people with prediabetes, and CMS's supplier list shows 25 Utah locations, run by University of Utah Health along the Wasatch Front, Intermountain (listed as IHC Health Services) from Logan and Tremonton to Provo, Richfield, Cedar City and St. George, the Bear River Health Department in Logan, and Utah Navajo Health System in Montezuma Creek. Nobody who has already been diagnosed with diabetes qualifies; it exists to keep the 11.4% of beneficiaries the survey found with prediabetes from becoming part of the 31.8%.
Which diabetes drugs have negotiated Medicare prices?
Diabetes drugs dominate both rounds of Medicare's price negotiation program. Of the ten drugs whose negotiated prices took effect January 1, 2026, four are diabetes drugs, including one insulin. Of the fifteen more that take effect January 1, 2027, three are for type 2 diabetes, led by Ozempic. The negotiated price is what the plan and Medicare pay the pharmacy; what you pay is still your plan's copay or coinsurance, and for insulin the $35 cap already controls your cost. Where the negotiated price shows up in your wallet is on coinsurance tiers, where 25% of $113 is a different number from 25% of $527, and in how quickly you reach the out-of-pocket cap.
| Drug | Used for | Negotiated price, 30 days | List price, 30 days | Discount | Effective |
|---|---|---|---|---|---|
| Januvia | Type 2 diabetes | $113 | $527 | 79% | Jan 1, 2026 |
| NovoLog; Fiasp (insulin aspart) | Diabetes | $119 | $495 | 76% | Jan 1, 2026 |
| Farxiga | Type 2 diabetes; heart failure; CKD | $178.50 | $556 | 68% | Jan 1, 2026 |
| Jardiance | Type 2 diabetes; heart failure; CKD | $197 | $573 | 66% | Jan 1, 2026 |
| Ozempic; Rybelsus; Wegovy | Type 2 diabetes; cardiovascular disease; obesity | $274 | $959 | 71% | Jan 1, 2027 |
| Tradjenta | Type 2 diabetes | $78 | $488 | 84% | Jan 1, 2027 |
| Janumet; Janumet XR | Type 2 diabetes | $80 | $526 | 85% | Jan 1, 2027 |
List price is the wholesale acquisition cost in 2023 (2026 drugs) or 2024 (2027 drugs) for a 30-day supply. CKD = chronic kidney disease. Sources: CMS, Negotiated Prices for Initial Price Applicability Year 2026 — cms.gov (PDF); CMS, Negotiated Prices for Initial Price Applicability Year 2027 — cms.gov (PDF).
What about Ozempic, Wegovy and the new GLP-1 Bridge?
This is the question we hear most from Utah clients with diabetes, and the answer split in two on July 1, 2026. If a GLP-1 is prescribed for type 2 diabetes, it runs through your Part D plan the way it always has: the plan's formulary decides whether Ozempic, Rybelsus, Trulicity or Mounjaro is covered and on which tier, prior authorization is common, and the negotiated $274 price for Ozempic arrives January 1, 2027. If a GLP-1 is prescribed for weight management, Medicare drug plans historically could not cover it. Since July 1, 2026 a temporary nationwide program called Medicare GLP-1 Bridge fills that gap for some people: Foundayo tablets, Wegovy injections or tablets, and Zepbound KwikPens for a flat $50 a month regardless of income.
Read the eligibility rules before assuming it applies to you. Medicare.gov says you must have Part D coverage, be 18 or older, and have a BMI of 35 or higher; or a BMI of 30 or higher with diastolic heart failure, uncontrolled high blood pressure or stage 3a-plus chronic kidney disease; or a BMI of 27 or higher with prediabetes, a prior heart attack or stroke, or symptomatic peripheral artery disease. You are not eligible if you already get a GLP-1 through your Part D plan, or if you have type 2 diabetes, moderate-to-severe sleep apnea or fatty liver disease, because for those conditions your Part D plan may cover the drug instead. Your provider must certify that you are using the drug alongside a diet and exercise program, a prior authorization approved now is valid through December 31, 2027, and the $50 payments do not count toward your Part D deductible or the $2,100 cap and cannot be spread through the Medicare Prescription Payment Plan.
Sources: Medicare.gov, Weight loss drugs — medicare.gov; Medicare.gov fact sheet, Medicare GLP-1 Bridge: GLP-1 Drugs for $50 a Month — medicare.gov (PDF).
Original Medicare or Medicare Advantage when you have diabetes?
Utah is split almost evenly: 268,675 beneficiaries were in Medicare Advantage in May 2026 and 220,122 in Original Medicare. The diabetes-specific differences are narrower than the marketing suggests, and they cut both ways. The $35 insulin limit applies in both. Part B services are covered in both, but a Medicare Advantage plan sets its own copays for DME, specialist visits and the diabetic eye exam, and Medicare.gov notes that for the Diabetes Prevention Program you “may have to go to an in-network provider.” Sensors and pumps in particular may have to come from a network supplier. With Original Medicare plus a Medigap plan that covers Part B coinsurance, the 20% column above largely goes to $0 after the deductible, at the cost of a monthly Medigap premium and a separate Part D plan.
Some Medicare Advantage plans are chronic-condition special needs plans built around diabetes, with formularies and care management designed for it, and Plan Finder shows whether one is offered in your county; others are general plans with a diabetes-friendly drug tier. Neither is automatically better than a Medigap-plus-Part D arrangement for a given person. What decides it is the specific list: your insulins, your non-insulin drugs and their tiers, whether your endocrinologist and your DME supplier are in network, and how much of the 20% you would rather trade for a premium. That comparison is exactly what Plan Finder is for during the October 15 to December 7 enrollment window, and it is worth doing with the actual drug list in hand, because this year the 2027 formularies and the 2027 Part D deductible of $700 both change what the answer is.
Six things to do before December 7
- Check each insulin's copay on your 2027 plan. The $35 figure is a ceiling; the Annual Notice of Change and Plan Finder show what your plan will actually charge, and whether it is on a lower tier.
- Run every non-insulin drug through Plan Finder. Januvia, Jardiance, Farxiga, Ozempic and their tiers, prior-authorization flags and preferred pharmacies vary plan to plan, and negotiated prices only help you on coinsurance tiers.
- Confirm your DME supplier accepts assignment for sensors, strips and pump supplies, and if you are in a Medicare Advantage plan, that the supplier is in network for 2027.
- Use the $0 benefits. Book medical nutrition therapy if you have diabetes or kidney disease. If you have prediabetes, ask about the Medicare Diabetes Prevention Program at one of Utah's 25 listed locations.
- Schedule the yearly retina exam and the six-month foot check and ask whether your neuropathy history qualifies you for therapeutic shoes; they are covered once per calendar year and the year resets January 1.
- If money is tight, apply for Extra Help. It lowers Part D premiums and copays, insulin stays capped at $35, and the Utah Medicare Savings Programs can cover the $202.90 Part B premium for those who qualify.
Bring your insulins, your pills and your supplier, and we will walk through what each plan would charge in 2027, in plain English, with no pressure. Education, not advice. We do not offer every plan available in your area.
Talk to a planner →Frequently asked questions
How much does insulin cost on Medicare in 2026?
No more than $35 for a one-month supply of each covered insulin product, and the deductible does not apply. Medicare.gov states the limit covers both Part D insulin (pens, vials, patch pumps and inhaled insulin) and Part B insulin used in a durable pump. A three-month supply is capped at $105 per product. The $35 limit applies to everyone with Part D, including people who get Extra Help, and it applies even before you have met your plan's $615 deductible in 2026.
Does Medicare cover a continuous glucose monitor (CGM)?
Yes, under Part B as durable medical equipment, if your doctor orders it and you either take insulin or have a history of problems with low blood sugar, and you or your caregiver have been trained to use it. After the $283 Part B deductible for 2026 you pay 20% of the Medicare-approved amount from a supplier who accepts assignment. A Medigap plan that covers Part B coinsurance picks up that 20%; in a Medicare Advantage plan you pay the plan's DME cost-sharing and may need to use a network supplier.
Are test strips, lancets and blood sugar meters covered by Medicare?
Yes. Blood glucose monitors, test strips, lancets and control solution are Part B durable medical equipment: after the Part B deductible you pay 20% of the Medicare-approved amount when the supplier accepts assignment. Syringes, needles, alcohol swabs and gauze used for insulin injections are covered under Part D, not Part B; under Part B alone you would pay all of their cost.
What diabetes care does Medicare cover at no cost?
Three services are free when your provider accepts assignment: up to two diabetes screening blood tests a year if you have a risk factor such as high blood pressure, abnormal cholesterol, obesity or a history of high blood sugar; medical nutrition therapy (3 hours the first year, 2 hours each year after) if you have diabetes or kidney disease; and the Medicare Diabetes Prevention Program, a 16-session lifestyle program for people with prediabetes who have never been diagnosed with diabetes. Diabetes self-management training, yearly diabetic eye exams, foot exams every six months and therapeutic shoes carry the Part B deductible and 20% coinsurance.
Does Medicare cover Ozempic or Wegovy?
It depends on why it is prescribed. Part D plans may cover Ozempic and similar GLP-1 drugs for type 2 diabetes, subject to the plan's formulary and prior authorization, and Ozempic, Rybelsus and Wegovy get a negotiated Medicare price of $274 for a 30-day supply starting January 1, 2027, against a 2024 list price of $959. For weight management alone, a temporary program called Medicare GLP-1 Bridge began July 1, 2026: eligible people with Part D pay $50 a month for Foundayo, Wegovy or Zepbound (KwikPen only). You are not eligible for the Bridge if you have type 2 diabetes, moderate-to-severe sleep apnea or fatty liver disease, because your Part D plan may cover the drug for those conditions instead.
How common is diabetes among Utah retirees?
Nationally, 31.8% of community-dwelling Medicare beneficiaries had ever been diagnosed with diabetes in 2022 according to the CMS Medicare Current Beneficiary Survey, and about one in five of those takes insulin. Among all adults, not just those on Medicare, CDC PLACES 2025-release estimates put diagnosed diabetes at 6.9% in Utah County and 8.5% in Salt Lake County, rising to 10.7% in Washington County, 12.8% in Carbon County and 15.4% in San Juan County. Rates among people 65 and older are higher than the all-adult figures in every county.
Sources
- Medicare.gov — Insulin (the $35 monthly limit under Part B and Part D, no deductible, Extra Help, Medigap): medicare.gov — insulin
- Medicare.gov — Costs (2026 Part B premium $202.90, deductible $283): medicare.gov — costs
- CMS — Final CY 2026 Part D Redesign Program Instructions (2026 deductible $615, out-of-pocket cap $2,100): cms.gov — CY 2026 redesign
- CMS — 2026 Medicare Part D Bid Information (base beneficiary premium $38.99): cms.gov — 2026 bid information
- Medicare.gov — Continuous glucose monitors: medicare.gov — CGMs
- Medicare.gov — Blood sugar monitors and test strips: medicare.gov — monitors; medicare.gov — test strips
- Medicare.gov — Diabetes screenings, self-management training, medical nutrition therapy and the Diabetes Prevention Program: screenings; DSMT; MNT; MDPP
- Medicare.gov — Eye exams for diabetes, glaucoma screenings, foot care for diabetes, therapeutic shoes and inserts: eye exams; glaucoma; foot care; therapeutic shoes
- Medicare.gov — Weight loss drugs and the Medicare GLP-1 Bridge fact sheet (July 1, 2026; $50 monthly copayment; eligibility): medicare.gov — weight loss drugs; fact sheet (PDF)
- CMS — Medicare Current Beneficiary Survey, 2022 Diabetes Prevalence and Self-management Among Medicare Beneficiaries PUF, Tables 1–3 (prevalence by age and region, insulin use, self-testing, foot exams, complications, self-management course completion): cms.gov — MCBS diabetes PUF
- CDC — PLACES: Local Data for Better Health, County Data 2025 release, measure DIABETES (diagnosed diabetes among adults, crude prevalence, all 29 Utah counties with 95% confidence limits): cdc.gov/places; data.cdc.gov — API query
- CMS — Medicare Monthly Enrollment (Utah statewide and county totals, Original Medicare, Medicare Advantage and Part D, May 2026): data.cms.gov — monthly enrollment
- CMS — Medicare Diabetes Prevention Program supplier dataset (25 Utah locations, supplier mapping file dated June 1, 2026): data.cms.gov — MDPP suppliers
- CMS — Negotiated Prices for Initial Price Applicability Year 2026 (Januvia, NovoLog/Fiasp, Farxiga, Jardiance): cms.gov (PDF)
- CMS — Negotiated Prices for Initial Price Applicability Year 2027 (Ozempic/Rybelsus/Wegovy, Tradjenta, Janumet): cms.gov (PDF)
- CMS — Announcement of CY 2027 MA Capitation Rates and Part C and Part D Payment Policies (2027 Part D deductible $700): cms.gov (PDF)
About this article. Written by the Utah Retirement Income Data Desk and reviewed by Brian Penner, Retirement income & long-term care planner. Educational only — not medical, financial, or legal advice. Coverage rules and 2026 cost figures are taken from Medicare.gov and CMS as of September 9, 2026; county diabetes rates are CDC model-based estimates for all adults, not Medicare beneficiaries, and the Utah illustration derived from the national survey rate is ours, not a CMS count. Individual plan formularies, tiers, copays and networks for 2027 are set by each plan and appear on Medicare Plan Finder in October. Talk with your doctor about any treatment decision, and verify current details with your plan, Medicare.gov, or 1-800-MEDICARE before you act. Utah Retirement Income is a licensed independent insurance agency (NPN 16493717) and is not a government agency; we are not connected with or endorsed by Medicare, the Centers for Medicare & Medicaid Services, the Social Security Administration, or any government program, and nothing here should be read as an endorsement by them. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area; please contact Medicare.gov, 1-800-MEDICARE, or your State Health Insurance Assistance Program — in Utah, the Utah SHIP — to get information on all of your options. A $0-premium plan is not free; you still pay Part B premiums and cost-sharing. If you call or text us, you consent to be contacted at the number you provide about your options; message and data rates may apply, and you can opt out at any time by replying STOP.