Looking for the top Medicare Advantage plans in Sanders County, Montana for 2020? 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.
Who Can Enroll in Medicare Advantage in Sanders County?
If you are age 65 or older, you most likely qualify to enroll in a Montana Medicare Advantage plan available in your county. If you have End-Stage Renal Disease (ESRD), you will need to stay on Original Medicare.
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.
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.
Medicare Advantage vs. Original Medicare with a Montana Supplement
If you are concerned that a Medicare Advantage plan could be inconvenient or limit your services, there is another way to get full coverage and lower your out-of-pocket costs in Sanders County. A Montana Medicare supplement (Medigap) and a Montana Medicare prescription drug plan (Part D) work hand-in-hand with your Original Medicare to give you the best coverage possible.
If you are not aware of the benefits of a Medicare Supplement, and how it pays the big medical bills from an extended illness or hospital stay, check out our Medigap directory and compare Medicare supplement plans in your area. All Medicare supplements are standardized and regulated. That means you can go with the lowest cost policy and get all of the same benefits.
Compare Plan Rates
The average Montana senior compares three or more quotes before making an enrollment decision.
Special Needs Plans in Sanders County, Montana
Looking for Medicare Special Needs Plans available in Sanders 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.
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).