Searching for the best rated 2020 Medicare Advantage plans in Valley 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 2020 Medicare Advantage Plan in Valley 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.
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 Valley County, MT?
Medicare Advantage is one way to get full coverage healthcare. However, beneficiaries living in Valley 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.
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 Valley County, Montana
Looking for Medicare Special Needs Plans available in Valley 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.
Valley County, MT Medicare Advantage Plan Availability
The 2 Medicare Part C plans listed on this page are available to Medicare beneficiaries, enrolled in both Part A and Part B, living in Fort Peck, Frazer, Glasgow, Saint Marie, Glentana, Hinsdale, Larslan, Nashua, Opheim, Richland, Vandalia, and all other locations in Valley County, Montana. MMP plans are only available to individuals who qualify for both Medicare and Medicaid benefits (aka, Dual Eligible or Medi-Medi).