Comparing 2020 Medicare Advantage plans to find the best options in Jefferson County, Montana? You're in the right place.
Unlike prescription drug plans (Medicare Part D), which are the same statewide, Medicare Advantage plan availability and options vary by area. The reason for this is simple. Not all areas have the same healthcare providers, so localized plans are better.
How-To Enroll in a 2020 Medicare Advantage Plan in Jefferson County
Most people living in Montana, age 65 and older, qualify to enroll in Medicare Advantage. An exception is a disqualifying illness, such as End-Stage Renal Disease (ESRD).
You are only allowed to join, drop or change plans during a Medicare Election Period. The period between 15 October and 7 December is the Annual Election Period (AEP). That's when most folks make changes to their Medicare.
Most of us also get an Individual Election Period (IEP), but it only comes around once. Your IEP is based on your 65th birthday. It starts the month before and ends the month after, so you have plenty of time.
To get enrolled:
- Call a plan directly. If you know the plan you want, this way is quick and easy.
- Go to www.Medicare.gov and enroll through the government website. From there you can look up your medications, compare plans, and get your application started online.
- Use an independent Montana insurance agent. This is the best way to go if you need someone to help advise you.
Medigap vs. Medicare Advantage, Which is Better in Jefferson County, MT?
Medicare Advantage is one way to get full coverage healthcare. However, beneficiaries living in Jefferson County also have the option to keep their Original Medicare benefits and upgrade their coverage with Montana Medicare supplement insurance (Medigap) and a Montana Medicare Part D plan (PDP) for help with prescription medications.
If you're not familiar with Medigap policies, and how they protect you from medical care liability, please review our Medicare supplements directory, where you can learn about and compare Medigap plans. All Medigap plans are standardized. That means you can choose the plan you need based on the best price without worrying about the benefits.
Compare Plan Rates
The average Montana senior compares three or more quotes before making an enrollment decision.
Special Needs Plans in Jefferson County, Montana
Looking for Medicare Special Needs Plans available in Jefferson County, MT?. Special Needs Plans are Medicare Advantage plans designed specifically for three types of special needs:
- Beneficiaries in a nursing home or receiving skilled nursing care at home;
- Beneficiaries with both Medicare and Medicaid benefits; and
- Beneficiaries with certain chronic health conditions.
Jefferson County, MT Medicare Advantage Plan Availability
The 4 Medicare Part C plans listed on this page are available to Medicare beneficiaries, enrolled in both Part A and Part B, living in Basin, Boulder, Clancy, Jefferson City, Cardwell, Whitehall, and all other locations in Jefferson County, Montana. MMP plans are only available to individuals who qualify for both Medicare and Medicaid benefits (aka, Dual Eligible or Medi-Medi).