Medicare Advantage Plans by Montana County
Greetings Montana seniors. If you’re looking for a Medicare Advantage Plan for Montana seniors with Medicare, you’re in the right place. An Advantage Plan is an approved HMO or PPO healthcare plan that you can elect to replace your Original Medicare private-fee-for-service benefits. They are designed to save you money and reduce your financial risk.
Locate and click on your Montana county to compare plans. Not all counties have the same plans available, and some rural counties may not offer Medicare Advantage. It’s all based on the adequate availability of healthcare provider networks.
Find a Montana Medicare Insurance Agent!
We maintain an exclusive list of Medicare insurance agents and agencies licensed to sell Medicare Advantage plans in Montana. Click Here to see your agents. You can request confidential quotes online to compare rates.
Supplement Plans vs. Advantage HMO or PPO: Full Coverage Health Plan Options in Montana
Many seniors worry that a Medicare Advantage Plan will limit their services. If this is your worry, there is a second way to get full coverage healthcare. Medicare supplemental insurance combined and a Medicare Prescription Drug Plan work with your Medicare Part A and Part B benefits to give you the best coverage possible. If you are not aware of the benefits offered by Medicare Supplement insurance in Montana, and how this type of plan protects you from excessive deductibles, co-insurances and co-pays, visit our Medicare Supplement Insurance page. All supplements sold in Montana are standardized and regulated by the state. That means you can shop for the lowest price and rest assured that you’ll get all of the same benefits.
When and How to Enroll in a Montana Medicare Advantage Plan
If you want to enroll in a Medicare Advantage plan available in Montana, you can do so during an enrollment period. Montana seniors turning 65, and those with Medicare Disability, have an Individual Enrollment Period (IEP). Your IEP starts two months before you are eligible and ends two months after eligibility. After that you must enroll or make changes to your plan during the Annual Election Period (AEP), more commonly known as open enrollment. AEP starts 15 October and ends promptly on 7 December.
Enrollment itself is quite easy. Most people in Montana use an independent Medicare insurance agent. Your agent is a licensed expert who knows the details of all of the plans available in your area. They get paid to find the best plan for you, and they are restricted by law from using selling and marketing tactics deems unethical by CMS. The second way to sign up is to go directly to the Medicare.gov website or call the Medicare.gov hotline. Click here to get started.
Montana Medicare Advantage Plans vs. Obamacare
Concerned that Obamacare is doing away with or cutting your Medicare Advantage benefits or choices? Don’t worry, it’s not. At least not in 2014. Montana seniors still have all of the same benefits and choices. The new healthcare law (ACA) leaves MA plans alone, from your perspective, but adds new regulations for the insurance carriers.
In case you are wondering if you can buy Medicare Advantage or additional health plan benefits on the Montana Health Insurance Exchange (HIX), the answer is no. Medicare beneficiaries do not qualify for any Obamacare health plans, and you cannot trade or upgrade Medicare benefits for Obamacare benefits. The two are mutually exclusive. Montana Medicare beneficiaries who call the HIX toll-free number will be redirected to Medicare.gov. Read more about the Affordable Care Act at www.HealthCare.gov.
About Our Montana Medicare Advantage (Part C) Information
MedicareWire.com receives Medicare health insurance information from public files on the U.S. Centers for Medicare and Medicaid Services (CMS) website. Although we do our best to regularly update our databases, we are not able to ensure the exactness of the information. You must use a licensed insurance agent to get an accurate and binding quote. For additional helpful information visit CMS on the web at http://cms.gov.