Searching for the best rated Medicare Advantage plans in Jefferson County, Montana? You're in the right place.
Unlike Medicare Part D prescription drug plans, which are a statewide option, Medicare Advantage Plans vary by county. The reason for this is simple. Not all areas have the same healthcare resources or needs, so county-by-county plans work better.
How-To Enroll in a 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).
There are several different Medicare Election Periods. This is when you can join or change your plan. Most people wait until 15 October to 7 December to make enrollment changes. This is the Annual Election Period (AEP).
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.
Original Medicare + Medigap vs. a Jefferson County Medicare Advantage Plan
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 in Jefferson County. For a little more each month you can have the best care available and lower your out-of-pocket expenses. Savvy seniors hold on to their Original Medicare and get the additional coverage they need with a Montana Medicare Part D Plan (prescriptions) and a Montana Medigap plan (supplemental Medicare insurance).
A Medicare supplement policy protects you from big medical bills and helps you lower the total annual cost of your healthcare. See our directory of supplemental plans to compare supplemental Medicare insurance available in your area. The good news is that all supplemental insurance is standardized, offering you the luxury to buy the coverage you need based on the lowest price.
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).