Tory Blain, Licensed Medicare Agent St. George Utah
Tory Blain Licensed Medicare Agent

Medicare Advantage vs Medigap in Utah
Help in St. George and Southern Utah

I've helped 700+ Medicare beneficiaries in St. George, Washington, Hurricane, Ivins, Santa Clara, Cedar City, and across Southern Utah compare Medicare Advantage plans, prescription drug coverage, hospital indemnity coverage, and extra benefits like dental, vision, hearing, OTC, grocery benefits, fitness, and veteran-friendly options in a clear and simple way.

📅 Choose a Time That Works Best for You

Prefer to call? (801) 707-0563

Request a Medicare Plan Review

✓Every plan in your ZIP code compared
✓Your doctors and prescriptions checked first
✓Dental, vision, fitness, and extra benefits reviewed
✓No cost, no obligation

This helps me find the best fit for you in your area.

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Carriers Compared:  Select Health  ·  Humana  ·  UnitedHealthcare  ·  Cigna  ·  Aetna
Areas Served

Tap your city for local plan info. Plans and pricing can vary by ZIP code.

Who I work with

Medicare Help for Southern Utah Residents

Whether you're navigating Medicare for the first time or you've been enrolled for years, there may be coverage options and benefits worth knowing about.

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Turning 65

Your Initial Enrollment Period only happens once. I help you understand when to enroll, what Medicare costs, and how to compare your options before late-enrollment penalties apply.

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Already Enrolled in Medicare

Plans can change each year, including benefits, costs, drug coverage, and doctor networks. If you're already enrolled, it may be worth reviewing what's available in your area.

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Veterans, TRICARE & CHAMPVA

Veterans and military families have unique Medicare questions, especially with VA benefits, TRICARE For Life, and CHAMPVA. I help explain how these benefits may work with Medicare.

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Hospital Indemnity for Medicare Advantage

Many $0 premium Medicare Advantage plans can still have copays for hospital stays or outpatient procedures. Hospital indemnity coverage may help offset some of those costs.

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Medicare Advantage Extra Benefits

Some $0 Medicare Advantage plans offer up to $77/month Part B giveback, plus flex cards, OTC, grocery, and transportation benefits. Find out what you qualify for.
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Medigap vs Medicare Advantage

Medigap and Medicare Advantage work very differently. I'll walk you through the real differences in cost, coverage, and flexibility so you can choose with confidence.
Common questions

Things people usually want to know.

If your question isn't here, just call me. I'm happy to answer anything.

Medicare is not completely free when you turn 65. Most people get Part A with no monthly premium if they worked and paid Medicare taxes long enough, but Part B usually has a monthly premium. Your other costs depend on whether you choose Original Medicare, Medicare Advantage, prescription drug coverage, or other options.
Medicare Advantage plans, also called Medicare Part C, are offered by private insurance companies approved by Medicare. These plans may include medical coverage, prescription drug coverage, and extra benefits like dental, vision, hearing, OTC, fitness, transportation, or grocery benefits. Availability and benefits can vary by county in Utah.
The right Medicare Advantage plan depends on your doctors, prescriptions, county, budget, and the benefits you care about. There is no single plan that works for everyone, which is why reviewing your options based on your personal situation matters.
Yes, some Medicare Advantage plans may include extra benefits like dental, vision, hearing, OTC allowances, grocery benefits, fitness memberships, transportation, or Part B giveback. Not every plan includes every benefit, and amounts can vary by plan, county, and eligibility.
Many veterans have Medicare along with VA benefits or TRICARE For Life. VA benefits and Medicare generally do not coordinate the same way TRICARE For Life does, so it is important to understand how each type of coverage works before choosing a plan.
Hospital indemnity insurance may be worth reviewing if you have a Medicare Advantage plan with hospital, outpatient, or other copays. Many $0 premium Medicare Advantage plans can still have out of pocket costs. Hospital indemnity coverage may help offset some of those costs, depending on the policy and your situation.
How I work

What to expect when you reach out.

I keep things simple. Just a real conversation about what you need.

01

We talk through your situation.

I start by listening: your health needs, your doctors, your prescriptions, your budget. Every person is different, and your coverage should reflect that.

02

I explain your actual options.

Simple and clear. I compare Medicare Advantage plans, prescription drug coverage, hospital indemnity options, and extra benefits available in your area, then explain the real differences.

03

You decide. I handle the rest.

There's no pressure and no deadline I create. When you're ready, I take care of the paperwork, enrollment, and follow-up. My work doesn't end at enrollment.

What clients say

People I've had the privilege of helping.

These are real conversations that turned into the right coverage.

★★★★★

"I had no idea what I was doing when I turned 65. I called thinking I'd be put on hold and handed off to three different people. Instead I got a real conversation that lasted an hour and left me feeling completely clear about what to do next."

MT
Margaret T.Retired TeacherTurning 65
★★★★★

"I'm a veteran and I was worried about messing up my TRICARE. The explanation I got was the clearest I'd heard from anyone including the VA. Every question I had was answered patiently and completely."

RK
Robert K.U.S. Army VeteranVeterans Coverage
★★★★★

"I'd been on the same plan for four years and assumed it was fine. One phone call showed me I was missing a grocery allowance and paying more for prescriptions than I needed to. I switched and haven't looked back."

SM
Sandra M.Retired NursePlan Review
Get in touch

Ready to talk?
I make it easy.

Reach out any way that's comfortable for you. Most questions get answered in a single conversation, no extra homework required on your part.

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Call or Text(801) 707-0563The fastest way to reach me
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Emailtoryblain@frontlinemutual-com-758542.hostingersite.comI respond within one business day
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ReviewsFind me on NextdoorSee what neighbors are saying

AVAILABLE HOURS

Monday to Friday9:00 AM to 5:00 PM
Saturday10:00 AM to 2:00 PM
SundayClosed

Send me a message.

I'll reach back out at the time that works best for you.

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📞 Call (801) 707-0563
📞 Call (801) 707-0563