Seniors in Montana on Medicare have a wide range of health insurance options. Alternatives include private health insurance through Medicare Advantage, prescription coverage with a Medicare Part D plan, and Medigap insurance to supplement Original Medicare. This catalog of Medicare health insurance will show you the options you have in your county. To get started, click on your county below.
Montana Seniors at Risk with Original Medicare
As you might be aware, Original Medicare health insurance is not all inclusive. It's designed to cover major medical only, and it pay less than eighty percent (80%) of what it does cover, leaving you seriously exposed to financial disaster.
Most seniors on Medicare in Montana are totally unprepaired. That's because Original Medicare benefits cover less than half of all health related expenses. You read that right, only half.This situation puts most Montana seniors at serious financial risk. The risk is the high out-of-pocket costs and huge piles of medical debt that result from a serious illness, a simple accident, or chronic health conditions, like mood disorders, diabetes, heart disease, asthma and hypertension.
A few of the critical services Original Medicare does not cover include prescription medications, vision, hearing, long-term care and routine foot care. You're on your own to pay for these services, on top of twenty percent of your major medical. You needn't worry, because you have a lot of options to supplement your basic Medicare coverage or replace it completely with private health insurance.
To further educate yourself on the dangers of Original Medicare, and what you can do about it, read our Original Medicare page.