Medicare Annual Enrollment: October 15–December 7, 2026
Meet with Riley at our Red Cliffs Drive office to review your doctors, prescriptions and coverage options available through our agency.
2736 E Red Cliffs Dr, Ste 2, St. George, UT 84790
No-cost review. No obligation to enroll.
Your local Medicare Clarity Review
Turning 65, reviewing your coverage, or opening an unexpected plan letter? Our St. George office is a place to start.
We’ll begin with the doctors you see, the prescriptions you take, and the coverage questions that matter to you.
No-cost consultation. No obligation to enroll.
Visit Health Plan Assistants
Walk-ins are welcome during office hours. An agent is physically in the office to help you.
Get directionsCare close to home
Tell us which local doctors, specialists, hospitals, and pharmacies you use. Coverage should be checked against the specific plan and current provider information.
If you spend part of the year away from Southern Utah, bring that up too. Where you receive care matters.
Your doctors, prescriptions, budget, and questions are the starting point.
Talk through the costs and coverage details that matter in your situation.
Decide what to do next. A review does not mean you have to change plans.
Understand your coverage choices
Bring your current coverage, doctors, prescriptions, and questions. A licensed insurance agent can help you understand the options available through our agency and the tradeoffs that matter to you.
Ask how a particular plan works with your St. George doctors, hospitals, pharmacies, and care outside Southern Utah. Review provider participation and costs for the specific plan and year.
Understand Medicare Advantage and other options →Discuss how a Medicare Supplement (Medigap) policy works alongside Original Medicare, including questions about premiums, travel, and changing coverage.
Read about Utah’s Medigap birthday rule →Bring each medication name and dose, plus your preferred pharmacy. Ask about the plan’s drug list, restrictions, and estimated costs for your prescriptions.
Learn about Medicare Part D →Health Plan Assistants is authorized to offer SelectHealth, Humana, and UnitedHealthcare. Our St. George office can help you review the Medicare options available through our agency for your Washington County address.
Carrier authorization does not mean every product is offered in every county or plan year. We verify the specific plan, eligibility, current availability, doctors, prescriptions, and costs before discussing enrollment. We do not offer every plan available in your area.
Start with the Medicare coverage comparison, then book a local review. You can also compare available plans at Medicare.gov.
Carrier authorization confirmed September 19, 2026. Plan details must be checked for the coverage year you are considering.
Start with the guide that matches your situation. Then bring your questions to the office.
Understand where to start—and what to do about a younger spouse’s coverage.
Your first steps →02Received a letter? Understand what it means and the next steps to check.
Help with your letter →03See what has changed and whether your coverage still fits.
Plan your annual review →04Make sense of Medicare alongside your existing VA health care.
Explore VA & Medicare →05Prepare for the transition from employer coverage to Medicare.
Your retirement checklist →06Explore Marketplace insurance for yourself or your family.
Explore Marketplace →Yes. An agent is physically in our St. George office during our posted hours, and walk-ins are welcome. You can also schedule an appointment to plan your visit.
Yes. Bring the complete notice so we can understand the change and discuss what to check next.
No. A review helps you understand your choices; you decide what to do next.
We also help with Marketplace questions. Bring the details of your household’s current coverage so both situations can be considered.
If you moved to St. George, do not assume a plan from your former county has the same availability or network here. If you spend part of the year in Arizona, Nevada, or elsewhere, tell us where you need routine care.
Check St. George Regional Hospital, independent clinics, specialists, imaging, and other facilities individually. A doctor participating with one plan from an insurer does not establish participation with every plan from that insurer. A referral to Cedar City, Las Vegas, or Salt Lake City deserves its own coverage check.
No affiliation with or endorsement by any provider or facility is implied.
Medicare.gov explains how to check your plan’s provider network and covered services.
Meet with us in the office, by phone, or by video. Confirm the format and appointment length when scheduling. Together we check your enrollment window, current coverage, doctors, prescriptions, and costs, and compare the options available through us. You can take time to consider the comparison.
Bring your Medicare and current plan cards, Annual Notice of Change or other notice, prescriptions with doses, and provider list. A spouse, adult child, or friend is welcome. The appointment process includes the applicable Scope of Appointment steps before plan discussions.
Read or print the preparation checklist →
Monday, Wednesday, Friday: 9am–5pm
Tuesday, Thursday: 9am–9pm
Saturday: 9am–3pm
Sunday: closed
An agent is physically in the office during these hours. Walk-ins are welcome; appointments are also available. Holiday hours may differ. Our Southern Utah service area includes St. George, Washington, Hurricane, Ivins, Santa Clara, Bloomington, Winchester Hills, and Washington County.
Meet Riley Garner
Watch Riley Garner’s interview and get to know him before your conversation.
There is no fee for a plan review or for enrolling through our agency. Insurance carriers pay agents for eligible enrollments. You still pay any premiums and other costs required by the coverage you choose.
Our agency is authorized to offer SelectHealth, Humana, and UnitedHealthcare. We can compare options available through us for your Washington County address, with availability and eligibility checked for the specific plan and year. We do not offer every plan available in your area. For information on all of your options, contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP).
Coverage has to be checked for the specific plan and plan year. We review each doctor, hospital, and facility separately using current provider information. Confirm participation with the provider’s billing office as well. Networks can change, so today’s directory is not a guarantee of future participation.
A move outside your Medicare plan’s service area, or a move within it that gives you new plan options, may qualify you for a Special Enrollment Period. The window generally continues for two full months after you move; if you tell your plan before moving, it begins the month before your move. Check your circumstances and coverage start date promptly.
Start about three months before your birthday month, or earlier if you need to coordinate job-based coverage. For most people turning 65, the Initial Enrollment Period spans seven months: the three months before the birthday month, the birthday month, and the three months after. Special timing applies to a birthday on the first of the month. Whether you can delay Part B depends on your coverage and circumstances.
Yes. Bring the name, dose, and frequency of each medication and your preferred pharmacy. We check the specific plan’s drug list, coverage restrictions, and estimated prescription costs. Two plans with the same premium can have different costs for your medications.
Medicare Advantage is a private-plan way to receive your Medicare Part A and Part B benefits, and most plans include Part D. Network and cost-sharing rules vary. Medicare Supplement insurance (Medigap) works with Original Medicare to help pay certain out-of-pocket costs. Medigap policies sold today do not include prescription drug coverage; you can get Part D separately. Compare doctors, prescriptions, travel needs, premiums, and other costs before choosing.
Our office is on Red Cliffs Drive, and we help people throughout Washington County. Phone and video appointments are also available. Agent licensing and plan availability vary by location, so contact us to confirm how we can help where you live.
Plan on about thirty minutes for a review, and confirm the length when scheduling. Bring your Medicare card, current plan card, medication list with doses, and list of doctors. More complex coverage questions may need additional time.
If your plan continues and you remain eligible, coverage generally renews with the changes described in its notices. Read those notices even if you intend to stay. If your Medicare Advantage plan ends and you do not join another one, you generally return to Original Medicare. Original Medicare does not include Part D drug coverage. A stand-alone drug plan ending does not change how you receive your Part A and Part B benefits. Check your notice for any reassignment or other instructions, and arrange drug coverage if needed. After your initial enrollment period, going 63 consecutive days or more without Part D or other creditable drug coverage may lead to a late enrollment penalty.
Sources: Medicare Special Enrollment Periods; when to sign up; how Medigap works.
Medicare help for your situation
Yes—we help people who have both Medicare and Medicaid. Health Plan Assistants also helps Washington County residents review chronic-condition Medicare plans, Medicare alongside VA benefits or TRICARE for Life, and the move from employer insurance to Medicare.
Understand how your coverage works together and whether a Dual Eligible Special Needs Plan fits your Medicaid eligibility.
Explore Medicare and Medicaid help →Have diabetes, chronic heart failure, AFib or another qualifying cardiovascular condition? Ask us to check local options.
See the conditions to review →Review your Medicare choices while understanding the military or veterans coverage you already have.
Explore how coverage works →Retiring or losing employer coverage? Plan your next coverage and enrollment dates before your work insurance ends.
Plan your transition →A D-SNP is a Medicare Advantage plan for people with Medicare and qualifying Medicaid assistance. We help you review your Medicaid category, local plan eligibility, doctors, prescriptions and costs. Medicaid eligibility is determined by the state; not every Medicaid category qualifies for every D-SNP.
Not sure whether you qualify for help? We can explain the difference between Medicaid, Medicare Savings Programs and Extra Help, and point you toward the appropriate application resources.
Learn about help paying Medicare costs → · Utah Medicaid information
A Chronic Condition Special Needs Plan is a Medicare Advantage plan for people with specified chronic conditions. For 2026, UHC Complete Care UT-6 (HMO-POS C-SNP), H4604-017-000, lists Washington County in its service area and these condition categories:
Your treating clinician must verify the qualifying condition. A diagnosis alone does not guarantee enrollment. The plan must confirm eligibility, service area and enrollment timing; Medicare Parts A and B are required. We also check your doctors, medicines and costs before you decide.
Live in St. George, Washington, Hurricane, Ivins or Santa Clara? Bring your Medicare card, medication list and treating clinician’s information to a local review. You do not need Medicaid to qualify for a C-SNP. Plan availability and eligibility can change by year; this local example is for 2026.
2026 UHC plan Evidence of Coverage · UHC clinician verification information
Book a St. George plan reviewVA health care: You can have VA health care and Medicare. They generally serve different routes to care rather than paying together for the same service. We help you review access to non-VA doctors, prescription coverage and whether an additional Medicare plan makes sense for you.
TRICARE for Life: This is different from VA health care. It works with Medicare, and generally requires both Part A and Part B. Medicare Advantage is optional, not required for TRICARE for Life. Before changing coverage, review provider access, coordination of benefits and any claims requirements with TRICARE.
Read our veterans and Medicare guide → · VA coverage information · TRICARE for Life information
Whether you are retiring, changing jobs or losing coverage through a spouse, we help you review your next steps. If you are Medicare-eligible, bring the date active employment ends and the date employer coverage ends. COBRA and retiree coverage do not extend the Part B special enrollment period based on current employment.
If you are not Medicare-eligible, we can review Individual & Family Marketplace options and the enrollment window related to losing job-based coverage. Enrollment deadlines differ by situation, so start before your current coverage ends.
Use these independent resources to check program information alongside your coverage review.
These organizations are separate from Health Plan Assistants. A resource link does not imply a partnership or endorsement.