Seniors have more health insurance options than ever before, including Montana Medicare Advantage Plans. Medicare Advantage is government approved private health insurance that you can purchase to replace your Original Medicare private-fee-for-service benefits.
Be aware that plans vary by where you live. Availability depends on healthcare networks in your area that are necessary to support HMO and/or PPO managed care.
How-To Enroll in a Montana Medicare Advantage Plan
If you are age 65 or older, you most likely qualify to enroll the Montana Medicare Advantage plan of your choice. If you have End-Stage Renal Disease (ESRD), you will likely need to stay on Original Medicare.
You can join or switch plans during a Medicare Election Period. The periord between 15 October and 7 December is the Annual Election Period (AEP). That’s when most folks make their changes to their Medicare.
You also have an Individual Election Period (IEP). Your IEP is based on your 65th birthday. It starts the month before and ends the month after, so you have plenty of time.
You have three different enrollment options. If you know the plan you want, you can call a plan directly. This makes enrollment quick and easy.
Then government’s official website, www.Medicare.gov, is the second option. It’s an easy way to start your application on-line, compare plans, verify that your medications are covered and see which doctors take the plan you want.
An independent health insurance agent is the third option. If you need someone to advise you, or you’re more comfortable working with someone in person, this is the way to go. Find an agent who represents several insurance companies. This way you’ll have a range of good options.
Montana Medicare Advantage vs. Original Medicare, Medigap and Part D
If you are worried that an HMO or PPO plan will try to limit your care, Medicare Advantage is not the only way to get full coverage. Montana Medicare Supplemental Insurance and a Montana Medicare Part D Plan (for prescriptions) work hand-in-hand with your Original Medicare to give you the best coverage possible.
If you are not aware of the benefits of a Medicare Supplement, and how it pays the big medical bills from an extended illness or hospital stay, visit our Montana Medigap Plans page. All Medicare Supplements are standardized and regulated. That means you can go with the lowest cost policy and get all of the same benefits.
About Our 2015 Montana Medicare Advantage (Part C) Information
MedicareWire.com collects 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 information go to the CMS website at: http://cms.gov. This page was last updated on 9/13/2015.