Medicare Advantage Plans by Montana County
Greetings Montana seniors, and welcome! 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.
Here are some additional facts about your Montana State Health Insurance Exchange. First, it’s not for Montana seniors with Medicare or those with Medicare Disability, and you can’t trade your Medicare benefits for a plan on your state exchange. Second, your state’s health exchange won’t help you with additional benefits, regardless of your income level. If you need Extra Help, visit your local Social Security Administration office. Learn more about Obamacare at www.HealthCare.gov.
Montana Medicare Advantage Plan Information
The healthcare insurance information provided on MedicareWire.com is derived from data files published by the U.S. Centers for Medicare and Medicaid Services (CMS). We make every attempt to keep our databases up-to-date. In spite of this, we simply cannot ensure the exactness of the details and only a licensed insurance agent can give you quote. For additional information go to the CMS website at: http://cms.gov.
Related Senior Health Insurance in Montana
- Medicare Advantage Plans for Montana Beneficiaries
- Montana Medicare Supplement Insurance
- Montana Dental Insurance for Seniors
- Medicare Prescription Drug Plans for Montana Seniors
Medicare Advantage Plans in Montana
The following Medicare Advantage Plans are available in Montana, ordered by most available. Consult your county page for availability in your area.
- New West Medicare Enhanced
- New West Medicare Value
- Today"s Options Premier 400
- Today"s Options Premier Plus 250A
- Today"s Options Premier 200
- UnitedHealthcare MedicareDirect Essential
- UnitedHealthcare MedicareDirect Rx
- New West Medicare Standard
- Windsor Medicare Extra Gold Plan
- Windsor Medicare Extra Diamond Plan
- Windsor Medicare Extra Silver Plan
- Windsor Medicare Extra Emerald Plan
- New West Medicare Basic
- Humana Gold Choice
- New West Medicare Preferred
- Today"s Options Premier Plus 450D
- Humana Gold Choice H2944-052
- Today"s Options Premier Plus 450B
- Humana Prime Choice
- Today"s Options Premier Plus 450E
- Humana Gold Choice H8145-095
- Today"s Options Premier Plus 450C
- Humana Gold Choice H8145-097
- HumanaChoice H6609-075
- HumanaChoice H6609-029
- Today’s Options Advantage Plus 950E
- Today"s Options Advantage Plus 250A