Montana Medicare Supplement Insurance

Montana Medicare Supplement insurance plans (Medigap) help seniors cover costs that Original Medicare alone doesn’t cover. These policies are supplemental insurance that steps in and covers gaps left by Medicare Part A and Part B alone. Learn more about Medicare Supplement plans for Montana seniors and other ways to stay covered for your healthcare needs.

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Does Montana Offer Medicare Supplement Insurance?

While the state of Montana itself doesn’t offer Medicare Supplement insurance, there are plenty of private insurance companies that do. Montana Medicare Supplement insurance plans are available from various carriers, with plenty of plan options available.

This is helpful as it provides seniors with options. An essential factor considering each senior has their own healthcare needs and deserves benefits that offer an appropriate degree of coverage.

Best Medicare Supplement Plans in Montana

Identifying the best Medicare Supplement plans in Montana can be tricky because what is best for you may not be best for another senior. There are, however, recurring top 3 Medigap plans that attract enrollees time and time again.

Each policy boasts access to any Medicare doctor in the United States, easy claims approvals, and little to no out-of-pocket costs.

Again, the best plan for you will depend on your personal healthcare needs, but Medicare Supplement Plan F, Plan G, and Plan N are the most common throughout The Treasure State.

Let’s break down the top Montana Medigap plans further and better understand what each has to offer your healthcare coverage.

Medigap Plan F in Montana

Medigap Plan F is one of the most comprehensive options available to seniors. Enrollees enjoy coverage for copayments, coinsurances, and deductibles for Medicare Part A and Medicare Part B.

For example, if you are a senior enrolled in Original Medicare alone, you’ll need to pay 20% out-of-pocket for your healthcare services. If you also have Medicare Supplement Plan F, your benefits cover you.

A common misconception is that this coverage option was discontinued. While this is not so, only Montana seniors eligible for Medicare coverage before January 1, 2020, can enroll in this plan.

Medigap Plan G in Montana

When seniors look at what Medigap plans are available in Montana, discovering that Plan F isn’t always an option can be discouraging. Fortunately, Medicare Supplement Plan G is available and offers similar benefits.

Seniors enrolling in Medigap Plan G receive the same exact benefits as Plan F, with one exception: it doesn’t cover your Medicare Part B deductible. In many cases, Medigap Plan G is a superior option for seniors because the amount of savings on premiums is more than the total amount of deductible paid by beneficiaries.

Medicare Supplement Plan G is a great solution for seniors in need of a lot of healthcare benefits. The coverage includes benefits for emergency healthcare services, including up to 80% of foreign travel emergency care, and benefits for chronic conditions.

Medigap Plan N in Montana

Of the three most popular Montana Medicare Supplement plans, Medigap Plan N is going to be the least expensive for seniors on average. In terms of premiums at least, because while you have lower monthly costs, you’re also receiving fewer benefits. This means paying for copays when you are at the doctor’s or hospital.

Residents of Big Sky Country may also have to cover excess charges while enrolling in Medicare Supplement Plan N if their healthcare provider doesn’t accept Medicare assignment. While rare, it’s important to be aware of and only applies when your healthcare provider doesn’t accept Medicare assignment.

Medicare Supplement Plan N is a great option if you’re looking for a lower monthly premium. Each senior will decide which plan is right for them, but if you’re looking to save a little money each month, you may want to consider it.

Conversely, if you’re looking for more benefits, coverage from Medigap Plan G – or Plan F, if you qualify – may be your best option.

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Comparing Montana Medicare Supplement Rates

How much you pay for Medicare Supplement plans in Montana depends on your plan and carrier, but there are other factors that also come into play. Age, gender, ZIP Code, and whether or not you use tobacco will all affect your premiums.

If you are a man or a smoker, you’ll likely pay higher premiums than a female or non-tobacco user. Those who sign up for Medicare when they are past the age of 65 can also expect elevated rates.

By using our Medigap cost comparison chart below, Montanans can gain an understanding of how much to expect to pay for Medigap coverage on average. To compare, we’ve used both female and male non-smokers aged both 65 and 75:

  Female, No Tobacco, Montana ZIP Code 59901  
Medigap Plan Monthly Premium Age 65 Monthly Premium Age 75
Medicare Supplement Plan F $132-$375* $173-$420*
Medicare Supplement Plan G $110-$356 $136-$367
Medicare Supplement Plan N $87-$347 $111-$347
  Male, No Tobacco, Montana ZIP Code 59901  
Medigap Plan Monthly Premium Age 65 Monthly Premium Age 75
Medicare Supplement Plan F $141-$423* $184-$423*
Medicare Supplement Plan G $114-$402 $138-$402
Medicare Supplement Plan N $88-$391 $113-$391

* If on Medicare before 01/01/2020

Remember, your premiums will be higher if you fail to enroll during your Medigap Open Enrollment Period at the age of 65. It’s always a good idea to sign up as soon as you are eligible. Seniors will need to pay for premiums and the appropriate out-of-pocket costs depending upon their personal Medigap plan.

Are All Medigap Plans Available in Montana?

Yes, Medigap plans in Montana are lettered A through N and are all available in Montana. There are also two high deductible versions of both Plan F and Plan G respectively.

However, because private insurance companies offer Medicare Supplement plans, the plans available in your ZIP Code may vary. Speaking with a licensed Medicare agent can help you determine which plans are available near you.

Choosing a Medicare Supplement provider can feel intimidating as there are many top-rated carriers. Still, the best option for you will be the carrier providing the benefits you need at the best price for your healthcare. This varies from senior to senior. Here are some of the top Montana Medicare Supplement insurance companies available:

  • Aetna
  • Bankers Fidelity
  • Blue Cross Blue Shield (BCBS) of Montana
  • Capitol Life
  • Cigna
  • GPM
  • Humana
  • Lumico Life Insurance
  • Manhattan Life
  • Mutual of Omaha
  • National General
  • United American
  • UnitedHealthcare

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How Do I Qualify for Medigap in Montana?

Seniors turning 65 or new to Medicare can sign up for Medigap without worrying about underwriting because they are in the Initial Enrollment Period. Also, there are situations where Guaranteed Issue rights apply, such as losing health insurance or moving to a new state.

Seniors with employer coverage primary to Medicare can also voluntarily lose coverage and qualify for Guarantee Issue rights.

Technically, you can apply for Medigap anytime, but doing so outside your Initial Enrollment Period can make underwriting necessary. Depending on your health, an insurance carrier may give you a higher premium or be denied coverage.

Additional Medicare Coverage for Montana

Every senior has different coverage needs. Fortunately, there are multiple options when enrolling in Medicare coverage. For many Montana seniors, a Medigap plan is the perfect solution; however, others may find a Medicare Advantage (Medicare Part C) plan more beneficial.

22% of beneficiaries in Montana are enrolled in a Medicare Advantage (Medicare Part C) plan. While the monthly premium costs may be lower each month, Medicare Advantage Plans come with restrictions and coverage limitations. You may also find the out-of-pocket costs to be more than you prefer.

Medicare Part C plans may require prior authorizations that Original Medicare wouldn’t require. Your Advantage plan would pay your claims instead of Medicare, giving the Part C plan the authority to deny a claim Medicare may have approved.

Some seniors find the lower premium gives them a chance to save for a possible health emergency. But, others may feel more comfortable with Medigap by paying a premium each month to avoid worrying about the cost of an emergency.

Furthermore, additional coverage is available for seniors looking to cover expensive prescription drugs. There are 22 stand-alone Medicare Part D options available in Montana. Finding the best plan for your needs will depend on your healthcare needs and your plan’s formulary. This is a list of the drugs covered by your plan.

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How Are Medigap Plans in Montana Rated?

In Montana, Medigap plans are either with an issue-age or attained-age rating. Here’s a breakdown of the two:

  • Issue-age ratings base your premiums on the age you are when you are applying for coverage. The younger you are, the less you’ll pay, and vice versa.
  • Attained-age ratings will create a premium based on your current age. The premium reflects your current age and rises as you grow older, unlike issue-age-rated plans.

How to Apply for Medicare in Montana

Applying for Medicare Supplement plans in Montana is simple. Doing so with a licensed Medicare expert can help you get the right coverage for your healthcare needs.

To get started, you can either call our number above or fill out an online rate comparison form. An agent will help you find Montana Medicare Supplement insurance plans or any other Medicare benefits that best fit you.

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Jagger Esch

Jagger Esch is the Medicare expert for MedicareFAQ and the founder, president, and CEO of Elite Insurance Partners and Since the inception of his first company in 2012, he has been dedicated to helping those eligible for Medicare by providing them with resources to educate themselves on all their Medicare options. He is featured in many publications as well as writes regularly for other expert columns regarding Medicare.


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