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Medicare Supplement Plans in Montana

Summary: With Medicare Supplement plans in Montana, you can cover the expenses left behind when using Original Medicare benefits. Medigap plans in Montana offer supplemental benefits, but other types of coverage are also available. It’s vital to shop as prices can vary, and everyone has different needs. Estimated Read Time: 12 mins

Table of Contents:

  1. Best Medicare Supplement Plans in Montana
  2. Who is Eligible for Medicare Supplement Plans in Montana?
  3. Much Do Medicare Supplement Plans Cost in Montana?
  4. Companies Offering Medigap Plans in Montana
  5. Medicare Supplement Plans for Disabled in Montana
  6. Medigap Rating Method in Montana
  7. Medigap Guaranteed Issue Protections in Montana
  8. When to Enroll in Medicare Supplement Plans in Montana
  9. Additional Medicare Coverage for Beneficiaries in Montana
  10. How to Apply for a Medicare Supplement Plan in Montana

Medicare Supplement plans in Montana help seniors cover costs that Original Medicare alone doesn’t cover. Also known as Medigap plans in Montana, these policies are supplemental insurance that steps in and covers gaps left by Medicare Part A and Part B alone.

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There are 12 lettered plans available, each offering its own set of benefits. Because the federal government has standardized these plans, each lettered plan offers the same level of coverage regardless of carrier. However, the cost of your premiums will vary from company to company as private carriers provide the actual benefits.

Furthermore, there are alternatives to Montana Medicare Supplement plans available and additional coverage options that may suit your needs. Everyone has different factors surrounding their healthcare and budget, which is why it’s important to shop and compare your options. Learn more about Montana Medigap plans and other ways to stay covered for your healthcare needs.

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. Remember, Medicare Supplement plans in Montana have different levels of benefits. There is no singular “best” option available.

There are, however, recurring top 3 Medicare supplements Montana enrollees find the most attractive 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. Below, we’re breaking down the three most popular Medigap plans in Montana and how they help you cut medical costs.

Medicare Supplement Plan F in Montana

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

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

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

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Medicare Supplement Plan G in Montana

When beneficiaries look for a Medicare supplement in Montana, discovering that Plan F isn’t always an option can be discouraging. Fortunately, Medicare Supplement Plan G in Montana is available and offers similar benefits.

Seniors enrolling in Medigap Plan G in Montana 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 beneficiaries because the amount of savings on premiums is more than the total amount of deductible paid by beneficiaries.

Medicare Supplement Plan G in Montana is a great solution for those 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.

Medicare Supplement Plan N in Montana

Of the three most popular options, Medicare Supplement Plan N in Montana is going to be the least expensive for enrollees 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 Medigap Plan N in Montana 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 in Montana is often a great option if you’re looking for a lower monthly premium. Each beneficiary 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.

Who is Eligible for Medicare Supplement Plans in Montana?

If you’re eligible for Original Medicare, you can enroll in a Medicare supplement in Montana. Here’s how to know if you qualify:

  • You are a U.S. citizen or legal resident of at least five years.
  • You are at least 65 years of age.

Alternatively, there are ways to sign up for Medicare even if you aren’t aged into the program. Here’s how it works for those under 65 years of age:

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How Much Do Medicare Supplement Plans Cost in Montana?

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 coverage on average. To compare, we’ve used both female and male non-smokers aged both 65 and 75. Pricing was sourced from the averages provided by Medicare.gov:

Female, No Tobacco, Montana ZIP Code 59901
Medigap Plan Monthly Premium Age 65 Monthly Premium Age 75
Medicare Supplement Plan F $0-$404* $0-$416*
Medicare Supplement Plan G $0-$384 $0-$384
Medicare Supplement Plan N $0-$374 $0-$374
Male, No Tobacco, Montana ZIP Code 59901
Medigap Plan Monthly Premium Age 65 Monthly Premium Age 75
Medicare Supplement Plan F $0-$456* $0-$456*
Medicare Supplement Plan G $0-$432 $0-$432
Medicare Supplement Plan N $0-$421 $0-$421

* 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. Beneficiaries will need to pay for premiums and the appropriate out-of-pocket costs depending upon their personal Medigap plan.

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Companies Offering Medigap Plans in Montana

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 in Montana, the plans available in your ZIP Code may vary. Additionally, premiums will vary from carrier to carrier. Speaking with a licensed insurance 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 right option for you will be the carrier providing the benefits you need at the best price for your healthcare.

In addition to the price you’ll pay, you’re going to want to be sure that the company providing your benefits is there when you need them. Ratings from the Better Business Bureau (BBB) can help you understand how each carrier’s customer service is.

You’ll also want to be sure that the carrier you enroll with is financially viable. Thankfully, independent credit agencies, such as A.M. Best and S&P, provide ratings that help consumers better understand which companies are financially sound.

The right carrier for you may not be the right carrier for another beneficiary, and vice versa. While not an exhaustive list, here are some of the top Montana Medicare Supplement insurance companies available:

Compare Montana Medicare Supplement Carriers
Carrier BBB Rating S&P Rating A.M. Best Rating
Blue Cross & Blue Shield of Montana A+ A+ A (Excellent)
Cigna N/A A- A (Excellent)
Mutual of Omaha A+ A+ A+ (Superior)
United American A+ AA- (Very Strong) A (Excellent)

Remember, carrier availability will differ depending on your location. Comparing your options with a licensed agent helps you better understand your options.

Medicare Supplement Plans for Disabled in Montana

Once you receive 24 month’s worth of SSDI, you can qualify for Medicare benefits even if you are under the age of 65. This also means that you’ll also qualify for Medicare Supplement plans in Montana as a result. Remember, the same is true for those with ESRD and ALS after four months of dialysis and upon diagnosis, respectively.

However, the federal government doesn’t make it mandatory for carriers to offer such coverage. Therefore, availability can change from state to state. However, residents will find that Medicare Supplement plans in Montana are offered by carriers as the Treasure State requires carriers to provide at least some sort of coverage for disabled persons.

It’s worth noting that while carriers will offer Medigap plans for disabled persons in Montana, you can expect to pay a higher premium as a result. Because of this reason, many find that the alternative option of enrolling in a Medicare Advantage plan is more attractive. Best of all, you can enroll in a Montana Medicare supplement without undergoing medical underwriting when you turn 65 should you enroll in Medicare Advantage beforehand.

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Medigap Rating Methods in Montana

There are several factors that affect your premiums, and this includes the different Medigap rating methods Montana carriers use to calculate how much you’ll pay. Montana Medigap plans use either 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.

Medigap Guaranteed Issue Protections in Montana

You can enroll in Medigap plans in Montana at any time, but you may face medical underwriting questions. Nevertheless, life happens, and you may lose coverage. For qualifying life events, you can still enroll in Medicare Supplement plans in Montana without having to face medical underwriting.

Known as guaranteed issue protections or guaranteed issue rights, these will allow you a chance to enroll in supplemental coverage without having to face elevated premiums. Furthermore, you cannot be denied coverage thanks to your GI rights. Here are the qualifying scenarios in Big Sky Country:

  • You leave your Medicare Supplement plan in Montana because you want to join Medicare Advantage but wish to switch back. Known as a trial right, you can do so if it’s your first time switching and you’ve been enrolled in your Medicare Advantage coverage for less than a year.
  • Another trial right is available if you sign up for Medicare Advantage when you turn 65 years of age but decide to switch to a Medigap plan in Montana during your first year of enrollment.
  • You are protected if you are enrolled in Medicare Advantage, but your plan is either no longer providing service where you live, or you are moving outside of your plan’s service area.
  • For those enrolled in Medicare SELECT, you’re protected should you decide to move out of your plan’s service area.
  • You’ll receive a GI right if you have employer coverage supplementing Medicare, but it’s now ending.
  • Carriers cannot mislead you, and there are rules they must follow when dealing with consumers. If they break these rules or mislead you, you’ll be provided a guaranteed issue right.
  • If your Medigap carrier ends up going bankrupt, you’re also protected.

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When to Enroll in Medicare Supplement Plans in Montana

Technically, you can apply for Medicare Supplement plans in Montana 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.

It’s best to enroll as soon as you are eligible. Not only does this allow beneficiaries turning 65 or new to Medicare the chance to sign up for coverage without worrying about underwriting because of your Initial Enrollment Period, but you also safeguard against medical costs sooner.

Additional Medicare Coverage for Beneficiaries in Montana

Everyone has different coverage needs. Fortunately, there are multiple options when enrolling in Medicare coverage. For many residents, a Medigap plan in Montana is a great solution; however, others may find a Medicare Advantage plan more beneficial.

28% of beneficiaries in Montana are enrolled in a Medicare Advantage plan (Medicare Part C). 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. It’s also worth noting that you can’t have a Medicare Supplement plan in Montana and Medicare Advantage. You’ll need to choose one or the other for your coverage.

Furthermore, additional coverage is available for those looking to cover expensive prescription drugs. Standalone Medicare Part D Prescription Drug Plan options are available in Montana. Finding the right 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.

Finally, dental, hearing, and vision costs may not be covered by Medicare under normal circumstances. You can, however, purchase standalone coverage to protect you from these expensive medical costs.

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Find the most affordable Medicare Plan in Montana!

How to Apply for a Medicare Supplement Plan in Montana

Applying for Medigap plans in Montana is simple. Doing so with a licensed insurance agent can help you quickly shop and compare coverage available in your area to cut costs for your healthcare needs.

To get started, you can either call our number above or press the compare rates button on our site. This will allow you to view Medicare Supplement plans in Montana, identify which is right for you, and save money in the process.

Sources

MedicareFAQ is dedicated to providing you with authentic and trustworthy Medicare information. We have strict sourcing guidelines and work diligently to serve our readers with accurate and up-to-date content.

  1. Find a Medigap policy that works for you, Medicare. Accessed August 2023.
    https://www.medicare.gov/medigap-supplemental-insurance-plans/
  2. Medigap Enrollment and Consumer Protections Vary Across States, KFF. Accessed August 2023.
    https://www.kff.org/medicare/issue-brief/medigap-enrollment-and-consumer-protections-vary-across-states/
  3. GUARANTEED ISSUE FOR ELIGIBLE PERSONS, Montana Secretary of State. Accessed August 2023.
    https://rules.mt.gov/gateway/ruleno.asp?RN=6.6.507C
Kayla Hopkins

Kayla Hopkins

Content Editor
Kayla Hopkins is an accomplished writer and Medicare guru serving as the Editor of MedicareFAQ.com. Upon completing her Communications degree from Ohio University, Kayla dedicated her time to understanding the ever-evolving landscape of healthcare. With her extensive background as a Licensed Medicare Insurance Agent, she brings a wealth of knowledge and expertise to her writing.
Ashlee Zareczny

Ashlee Zareczny

Compliance Manager
Ashlee Zareczny is the Compliance Manager for MedicareFAQ. As a licensed Medicare agent in all 50 states, she is dedicated to educating those eligible for Medicare by providing the necessary resources and tools. Additionally, Ashlee trains new and tenured Medicare agents on CMS compliance guidelines. Ashlee is a Medicare expert who specializes in Medicare Supplement, Medicare Advantage, and Medicare Part D education.

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