Comparing 2020 Medicare Advantage plans to find the best options in Richland 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 2020 Medicare Advantage Plan in Richland 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).
There's also an Individual Election Period (IEP) that you can use once. Your IEP is a 90 day period around your 65th birthday. It starts the month before you turn 65 and ends the month after.
You can get enrolled three ways:
- 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 Richland 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 Richland 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.
Medicare SNP Plans Available in Richland County, MT
MedicareWire has a special directory for Richland County, Montana Special Needs Plans. Although managed under the Medicare Advantage program, SNP plans are designed specifically for three types of people:
- 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.
Richland County, MT Medicare Advantage Plan Availability
The 1 Medicare Part C plans listed on this page are available to Medicare beneficiaries, enrolled in both Part A and Part B, living in Crane, Fairview, Lambert, Savage, Sidney, and all other locations in Richland County, Montana. MMP plans are only available to individuals who qualify for both Medicare and Medicaid benefits (aka, Dual Eligible or Medi-Medi).