SALT LAKE COUNTY · MEDICARE HELP
Medicare Agent Salt Lake City Guide: How to Choose Local Help You Can Trust
A good Medicare agent explains your options, checks your doctors and prescriptions, and lets you decide. In Utah, agents must be licensed by the Utah Insurance Department, and you can look up any agent’s license online. An independent agent can show plans from more than one insurance company. Neutral counseling is also available through Utah’s SHIP.
Sources: Utah Insurance Department – Licensee Search · Medicare.gov – Talk to someone · Utah DHHS – SHIP
Medicare mail, TV ads and phone calls can pile up fast, especially in the fall. If you’re looking for a Medicare agent Salt Lake City residents can actually sit down and talk with, this guide shows what an agent does, the questions to ask first, and the red flags to avoid.
New to Medicare? Start with turning 65 in Utah: your Medicare roadmap.
Want to talk it through?
There’s no cost to you for my help.
BY THE NUMBERS
Why so many Salt Lake County residents look for Medicare help
The biggest Medicare county in Utah
Salt Lake County has more people on Medicare than any other county in the state. According to CMS, 166,854 county residents had Medicare in June 2026. That’s about 1 in 3 of Utah’s 490,235 Medicare enrollees, and about 15% more than the 2020 yearly average. (CMS Medicare Monthly Enrollment)
Census Bureau estimates show the county’s population age 65 and older grew from about 132,000 in mid-2020 to about 152,000 in mid-2024. (U.S. Census Bureau Population Estimates)
More choices, more noise
CMS data also shows that about 58% of the county’s Medicare enrollees were in Medicare Advantage or other health plans in June 2026. More choices can be a good thing. But it also means more ads, more mail and more decisions each fall. That’s when a trusted Medicare agent Salt Lake City residents know by name can help.
WHAT AGENTS DO
What a Medicare agent in Salt Lake City actually does
The job, in plain words
A licensed Medicare agent helps you understand your choices and enroll if you decide to. A good agent will:
- Explain Original Medicare, Medicare Advantage, Medicare Supplement (Medigap) and drug coverage.
- Check whether your doctors are in a plan’s network and how your prescriptions are covered.
- Walk you through enrollment dates so you don’t miss a deadline or pay a penalty.
- Be there next year when plans change and you have questions.
Want the basics first? Read how Medicare Advantage works, how Medicare Supplement works in Utah, and Medicare Advantage vs. Medicare Supplement.
Independent vs. captive agents
An independent agent is appointed with more than one insurance company. A captive agent represents one company. Either can be helpful. Just ask which companies they represent so you know what you’re seeing. Even independent agents don’t offer every plan, which is why every agent should share a disclaimer like the one at the bottom of this page.
How agents are paid
Agents are generally paid by the insurance companies they’re appointed with, not by you. That’s why there’s no cost to you for my help. Medicare sets rules for how agents market plans, including what they can and can’t do when they contact you. (eCFR – 42 CFR 422.2264)
ASK FIRST
Medicare agent Salt Lake City checklist: 6 questions to ask first
- Are you licensed in Utah? Then check for yourself using the Utah Insurance Department’s Licensee Search.
- Which insurance companies do you represent? This tells you how wide a view you’ll get.
- Will you check my doctors and prescriptions? A review should start with your needs, not a plan pitch.
- How are you paid, and does your help cost me anything?
- Will you be here next year? Plans change every January, so you want a person, not just a phone number.
- Will you give me time to decide? You should never feel rushed.
STAY SAFE
Red flags to watch for
Pressure and unexpected calls
Medicare’s rules limit how agents can contact you. For example, agents generally can’t make unsolicited calls or knock on your door to market plans. (eCFR – 42 CFR 422.2264) Be careful with anyone who:
- Calls you out of the blue and says they’re “from Medicare.”
- Pushes you to decide today.
- Asks for your Medicare number before you’ve decided to enroll.
- Won’t tell you which companies they represent.
Protect your Medicare number
Treat your Medicare number like a credit card number. If something feels off, hang up and call 1-800-MEDICARE (1-800-633-4227). (Medicare.gov – Medicare fraud)
HOW IT WORKS
How a Medicare review with me works
Phone or video, on your schedule
I’m Fores Boo, a licensed independent Medicare agent (NPN 17255694) with Boo Insurance Services. Our office is at 61 W 13490 S, Suite 201, in Draper, right here in Salt Lake County. I’ve helped 1,000+ Utahns with Medicare. As your Medicare agent Salt Lake City clients can reach year after year, I do reviews by phone or video, so you can meet from your kitchen table in Sandy, West Valley, Murray or downtown Salt Lake City.
What happens, step by step
- Book a time. Pick a slot online or call 801-255-5341.
- Confirm what we’ll discuss. Medicare rules require a short Scope of Appointment form listing the types of coverage you want to talk about.
- Review your needs. We go over your doctors, prescriptions, pharmacy and budget.
- Learn your options. I explain how the choices I offer work for your situation.
- You decide. Take your time. There’s no obligation.
What to have ready
- Your red, white and blue Medicare card
- A list of your doctors and the medicines you take, with doses
- Any letters from your current plan, like the Annual Notice of Change
Ready when you are.
There’s no cost to you for my help.
COMMON SITUATIONS
Common situations where a Medicare agent helps
Turning 65 while you're still working
Many people in Salt Lake County keep working past 65. Whether you should sign up for Part B right away depends on whether your job-based coverage comes from current employment and on the size of the employer. Getting this wrong can lead to a lifelong late penalty or a gap in coverage. If you’re covered through current work, you generally have an 8-month Special Enrollment Period to sign up for Part B after that job or coverage ends, whichever comes first. (Medicare.gov – When does Medicare coverage start?)
Retiring and leaving employer coverage
COBRA and retiree coverage work differently with Medicare than active job coverage does. Before you retire, ask how your benefits fit with Medicare and when you need to act.
Helping a parent or spouse
Adult children often call on behalf of a parent. That’s welcome. With the beneficiary’s permission, a family member can join the phone or video review, so everyone hears the same thing and can ask questions together.
KEY DATES
Key dates to keep in mind
Open Enrollment and your first sign-up
Medicare Open Enrollment runs October 15 to December 7. Changes start January 1. If you’re turning 65, your Initial Enrollment Period is a 7-month window around your birthday month. See all the Medicare enrollment dates and deadlines.
Special situations
Got a letter saying your plan is ending? Read what to do if your Medicare Advantage plan is ending. Worried about costs? See our Medicare Savings Program Utah guide. Missed a deadline? Learn how Medicare late penalties work.
NEUTRAL HELP
Neutral help is always available
You don’t have to use an agent. Utah’s Senior Health Insurance Information Program (SHIP) offers neutral, unbiased Medicare counseling at 1-800-541-7735 (Utah DHHS Aging & Adult Services). You can also visit Medicare.gov or call 1-800-MEDICARE (1-800-633-4227; TTY 1-877-486-2048), 24 hours a day, 7 days a week, except some federal holidays. (Medicare.gov – Talk to someone)
COMMON QUESTIONS
Frequently asked questions
There’s no cost to you for my help. Agents are generally paid by the insurance companies they’re appointed with. Ask any agent how they’re paid and whether you’ll owe anything. You should get a clear answer before you share personal details.
Use the Utah Insurance Department’s Licensee Search at insurance.utah.gov. You can search by the agent’s name or National Producer Number (NPN). My NPN is 17255694. If the search tool is down, the department points to Sircon for the same license lookup.
A captive agent represents one insurance company. An independent agent is appointed with more than one company, so they can show you plans from several. Neither offers every plan, so ask which companies they represent and read the disclaimer they share.
No. My reviews are by phone or video, so you can meet from home anywhere in Salt Lake County or the rest of Utah. You’ll still get a real person who knows Utah, and you can call the same office next year when your plan changes.
It’s a short form Medicare requires before an agent talks with you about Medicare Advantage or drug plans. It lists the types of coverage you want to discuss. It doesn’t enroll you in anything or commit you to a plan.
A good agent shouldn’t. Your review should start with your doctors, prescriptions and budget. Sometimes the best answer is to keep what you have. You can always take time to think, and you never have to enroll.
A few months before you turn 65, and every fall before or during Open Enrollment, October 15 to December 7. Also reach out if you move, lose other coverage, or get a letter saying your plan is changing or ending.
Utah’s SHIP, the Senior Health Insurance Information Program, offers neutral counseling at 1-800-541-7735. You can also call 1-800-MEDICARE (1-800-633-4227) any time or visit Medicare.gov. Social Security handles Part A and Part B sign-up and address changes.
Talk with a local Medicare agent who knows Utah
You don’t have to sort through the mail, the ads and the deadlines alone. If you’re looking for a Medicare agent Salt Lake City families can call year after year, grab your Medicare card and your medication list, and let’s talk.
There’s no cost to you for my help.
NEXT STEP
Sources
- CMS, Medicare Monthly Enrollment (county data, June 2026 and 2020): https://data.cms.gov/summary-statistics-on-beneficiary-enrollment/medicare-and-medicaid-reports/medicare-monthly-enrollment
- U.S. Census Bureau, County Population by Characteristics, Vintage 2024 (cc-est2024-agesex-49): https://www.census.gov/data/tables/time-series/demo/popest/2020s-counties-detail.html
- Utah Insurance Department, Licensee Search: https://insurance.utah.gov/licensee-search/
- eCFR, 42 CFR 422.2264 (beneficiary contact): https://www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-422/subpart-V/section-422.2264
- Medicare.gov, When does Medicare coverage start?: https://www.medicare.gov/basics/get-started-with-medicare/sign-up/when-does-medicare-coverage-start
- Medicare.gov, Talk to someone: https://www.medicare.gov/talk-to-someone
- Medicare.gov, Reporting Medicare fraud and abuse: https://www.medicare.gov/basics/reporting-medicare-fraud-and-abuse
- Utah DHHS Aging & Adult Services, SHIP: https://daas.utah.gov/seniors/
Last updated: October 2026
Disclaimer: 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 local State Health Insurance Program (SHIP) to get information on all of your options.
Not connected with or endorsed by the United States government or the federal Medicare program. National Producer Number: 17255694
About the author: Fores Boo is a licensed independent Medicare agent, NPN 17255694, with Boo Insurance Services, 61 W 13490 S Ste 201, Draper, UT 84020 · 801-255-5341. Reviews are by phone or video.