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Best Medicare Supplement Plans in Montana – F, G & N Benefits

If you’re a Medicare beneficiary in Montana, you should learn about the best Medicare Supplement plans in Montana, called Medigap policies. Original Medicare insurance never covers more than 80 percent of the cost of a medical visit or procedure. The remainder is your responsibility, including:

  • Deductibles
  • Copayments
  • Coinsurance

This is true unless you learn about and compare Medicare Supplement insurance plans in Montana and choose one that best meets your needs.

To obtain any of the best Medicare Supplement plans and Rates, you must already be enrolled in Medicare Part A and Medicare Part B. Medicare Part A covers up to 80 percent of approved inpatient costs when you are hospitalized. Part B covers up to 80 percent of the following approved elements:

  • Doctor visits
  • Medical equipment
  • Home health care
  • Lab tests
  • Rehabilitation
  • Outpatient procedures
  • X-rays
  • Ambulances
  • Blood
  • Mental health services

You must pay a monthly premium for Part B and meet a small deductible. To receive Medicare’s Part D prescription benefits, which also require a copay and deductible, you must also be enrolled in A and B.

Medigap plans in Montana help seniors and disabled residents to pay for some Medicare copays, deductibles, and other costs. However, Montana Medicare Supplement insurance plans providers are not required to offer plans to Medicare beneficiaries under 65 and can charge them different premiums.

As is true with other states, Medicare Supplement insurance plans in Montana have different advantages depending on which insurance company and option you choose.

Also, different companies charge their rates differently; for example, with an issue-age policy, your rates will be based on your age when you enroll. If you sign up for an attained age policy, your rates will change as you age.

Best Types of Medicare Supplement Plans in Montana

Like 46 other U.S. States, Montana offers 10 standardized Medicare Supplement insurance plans. Plans are identified by one of 10 letters of the alphabet: A, B, C, D, F, G, K, L, M and N. Plans of each particular designation offer the same basic set of benefits from one company to another — such as from United Healthcare to Blue Cross Blue Shield — although a particular insurance company can add extra features. Because Medicare Supplement insurance plans in Montana supplement but do not replace what the Medicare insurance company provides, you must continue to have Medicare Part B and pay your monthly premiums.

If you are seeking the Best Medicare Supplement plan in Montana, it is important to remember that the 10 standardized Medigap plans in Montana feature different rates and coverage levels. The most popular Medicare Supplement policy among Montana residents is F, probably because it is the most comprehensive. It covers almost 100 percent of Medicare-associated costs except for the Part B premium.

Although Medicare Supplement plans in Montana of the same letter all contain identical coverage and benefits, individual Medigap providers can determine their own monthly premium rates and structures. Therefore, you might pay more or less than would someone in a different Montana county for exactly the same plan. Consequently, you should consider your own situation and needs and compare your options in order to find the Best Medicare Supplement insurance plan in Montana.

Benefits of Medicare Supplement Plan F in Montana:

For impressive coverage that you can rely on, consider Medicare Supplement Plan F in Montana. It offers the coverage listed below:

  • Part A hospital coinsurance
  • Hospital costs up to 365 days after benefits through Original Medicare are exhausted
  • Part A hospice care copays or coinsurance
  • Part A deductible
  • Part B deductible
  • Part B preventive office visit coinsurance
  • Part B coinsurance or copays
  • Excess charges for Medicare Part B
  • First three pints of blood needed for a medical procedure
  • Coinsurance for care in a skilled nursing facility
  • Limited foreign travel emergency care

Benefits of Medicare Supplement Plan G in Montana:

The only thing that is covered by Plan F but that is not covered as a benefit by Medicare Supplement Plan G in Montana is the Medicare Part B deductible. Otherwise, the plans are the same. Despite this minimal change in coverage, Medicare Plan G is often noticeably more affordable.

  • Does NOT cover Medicare Part B deductible

Benefits of Medicare Supplement Plan N in Montana:

If you want to sign up during your guaranteed issue period but want a plan with a low monthly premium, Medicare Supplement Plan N in Montana might be right for you. Naturally, you’ll need to understand that this plan isn’t as comprehensive in benefits as some of the others, but it can still help you save money on healthcare throughout the year.

  • Does NOT cover Part B Deductible
  • Does NOT cover Excess Charges for Part B
  • Requires $20 copay for office visits
  • Requires $50 copay for emergency room visits

Medicare Supplement Plans in Montana: When Can I Enroll?

The Medigap Open Enrollment Period begins on the day you are both age 65 or older and have enrolled in Medicare Part B. this Initial Enrollment period lasts for six months, during which you cannot be denied coverage for pre-existing conditions or required to undergo medical underwriting and can sign up for any one of the Medigap plans in Montana available in your area. If you choose to enroll in Medicare Supplement insurance plans in Montana after the six-month open enrollment period ends, you might be denied coverage, or your rates may be higher.

Medicare Supplement Plans in Montana: Enrollment Statistics

This information may help you to obtain Medicare insurance company supplemental benefits. The five largest counties in Montana and their most recent populations are:

  • Yellowstone (156,332)
  • Missoula (114,231)
  • Gallatin (100,733)
  • Flathead (96,147)
  • Cascade (81,816)

Over 169,000 Montanans were enrolled in Medicare Part A and/or Part B in 2016, according to Centers for Medicare and Medicaid Services (CMS). In 2015, America’s Health Insurance Plans (AHIP) data indicate that 68,890 Montanans had a form of Medigap coverage.

This means that just over 40 percent of beneficiaries have found that signing up for one of these Medicare plans is the best way to enhance their Medicare benefits through the Medicare program.

A lot of Montana residents also sign up for Medicare Part D prescription drug plans. This helps with reducing out of pocket costs for medicine, which isn’t covered by Plan A or any of the Supplement plans.

Montana Medicare Resources

Do you need additional help finding the Best Medicare Supplement insurance plan in Montana? Are the choices among the Medicare Supplement insurance plans too overwhelming? Fortunately, there are trained professionals who can explain Original Medicare insurance and the various Medigap plans in Montana.

  • The Montana State Health Insurance Assistance Program (SHIP) is free for any Montana Medicare beneficiary and their caregivers. Funded by CMS, it provides information about Medicare Supplement insurance plans in Montana, such as deductibles and rates.
  • Medicare.gov is the official website for the federal Medicare program and is a great resource for learning more about Medicare coverage, Montana Medicare Supplement plans and more.

The best Medicare Supplement insurance plan in Montana is easier to understand then you may think. Find the insurance company that will give you the Supplemental insurance plan you deserve. If you need help checking out your plan options, or if you are curious about Plan C Medicare Advantage plans, give us a call to talk to one of our licensed insurance agents today!

Related Topics for Comparing Medicare Supplement Companies and Plans in MT

My Medigap Plans is a rapidly growing resource for Medicare beneficiaries. We specialize in educating consumers on their options and guiding them through the process of plan selection. We work closely with some of the nations top rated carriers such as AetnaCigna and Mutual of Omaha. Compare our list of the 10 Best Medicare Supplement Insurance Companies in Montana or take a deeper look at the plans by reviewing our Medicare Supplement Plans Comparison Chart. Learn more or about Medicare Part D Prescription Drug plans, or request a Medicare Supplement Plan Quote.

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