Searching for the best rated Medicare Advantage plans in Sanders County, Montana? You're in the right place.
While Medicare Part D and Medicare Supplement plan availability is the same throughout the state, the complexity of Medicare Advantage plans requires them to be localized. The primary reason for this is that different areas have different healthcare providers, so localized health plans offer the best choices.
Getting Enrolled in a Medicare Advantage Plan in Sanders County
Most Montana seniors qualify to join a Medicare Advantage plan. Certain diseases, most notably End-Stage Renal Disease (ESRD), may disqualify you from enrollment.
You can join or switch plans during a Medicare Election Period. For most people, the Annual Election Period (AEP), which starts on 15 October and ends 7 December, is the time they update their enrollment.
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 Sanders 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 Sanders 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).
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.
Sanders County, Montana Special Needs Plans (SNP)
We organize Medicare Special Needs Plans for Sanders County, MT beneficiaries in a seperate directory. Although SNP plans are Medicare Advantage plans, they are only available to:
- 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.
Sanders 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 Dixon, Heron, Hot Springs, Lonepine, Noxon, Paradise, Plains, Thompson Falls, Trout Creek, and all other locations in Sanders County, Montana. MMP plans are only available to individuals who qualify for both Medicare and Medicaid benefits (aka, Dual Eligible or Medi-Medi).