Montana seniors can choose from any of the 28 companies selling Medicare Supplement insurance. Medicare plans help you pay the portion of Part A and Part B that Original Medicare does not cover. Also known as Medigap, available policies cover a range of costs, including deductibles, copayments and coinsurances.
What You Must Know about Medicare Supplements in Montana
If you are not yet versed in the Medicare Supplements available in Montana, or how they cover your healthcare costs, read our Medicare Supplemental Insurance page. All Medicare Supplements available in Montana are standardized by the State Board of Insurance. Our goal is to give you a complete run down on all Montana carriers, policies and benefits.
Medicare Supplements vs. Medicare Advantage
If you can’t afford a Medicare Supplement there is another option. It’s called Medicare Advantage. Montana Medicare Advantage (MA) plans are private health insurance that replace the coverage provided by Original Medicare.
As with most other financial decisions, there are trade-offs. Most importantly your choice in healthcare providers, which most Medicare Advantage plans restrict to their network of providers. That said, the big advantages are additional benefits, like prescriptions, dental, hearing, and vision that are not covered by Original Medicare.
The important thing to know about every Medicare Advantage plan is that they limit your Maximum Out-of-Pocket (MOOP) expense to a maximum of $6,700 per year. That makes them worth comparing to Medicare Supplements. We have the complete catalog of 2018 Medicare Advantage Plans available in Montana.
Montana Medicare Part D Plans (Rx)
While you’re comparing Montana Medicare Supplements, it’s a good idea to shop for a Medicare Part D Plan (PDP), too. Medicare does not cover prescriptions, nor do Medigap plans. We make shopping easy with our complete catalog of 2018 Medicare Part D Plans in Montana.
Medicare Supplement Eligability
You can apply for a Montana Medicare Supplement if you are:
- A Montana resident,
- Enrolled in both Medicare Part A and Part B, and
- You are 65 years old or older.
Supplemental plans are available in the following counties: Stillwater, Yellowstone, Rosebud, Carbon, Treasure, Sweet Grass, Big Horn, Park, Fergus, Wheatland, Golden Valley, Meagher, Musselshell, Garfield, Powder River, Petroleum, Roosevelt, Sheridan, Mccone, Richland, Daniels, Valley, Dawson, Phillips, Custer, Carter, Fallon, Prairie, Wibaux, Cascade, Lewis And Clark, Glacier, Pondera, Teton, Chouteau, Toole, Judith Basin, Liberty, Hill, Blaine, Jefferson, Broadwater, Silver Bow, Madison, Deer Lodge, Powell, Gallatin, Beaverhead, Missoula, Mineral, Lake, Ravalli, Sanders, Granite, Flathead, Lincoln, and most rural areas of Montana.
Rates shown are samples from within Montana for comparison purposes only. This page was last updated on 9/24/2017.