Understand Medicare in Montana
Medicare, the United States federal medical insurance program, provides coverage for almost 250,000 people in Montana who qualify for Medicare. You can get Medicare if you’re 65 or older or have a qualifying disability.
Your disability typically qualifies if you’ve received at least 24 Social Security or Railroad Retirement Board (RRB) disability insurance payments. You can also enroll in Medicare Advantage Plans if you have End-Stage Renal Disease (ESRD) or amyotrophic lateral sclerosis (ALS).
Most people have premium-free Part A but, if you have to buy it, the cost can reach up to $506per month in 2023. Part B costs $164.90 per month but can be more if you have higher income. There are 26 Medicare Advantage Plans in the state that are an alternative to Original Medicare. Learn more about your Medicare options in Montana.
Medicare Plans in Montana
|Compare ratings of Montana’s Medicare plan providers:
|A.M. Best rating
|J.D. Power ranking
|6th out of 9
|2nd out of 9
|4th out of 9
Medicare Plan Options in Montana
Residents of Montana have multiple Medicare plans to choose from. Many are tiered to help Montana seniors find the plan that is best suited to your lifestyle and medical needs. For example, seniors and individuals with disabilities who don’t need much coverage can apply for Original Medicare. Montana’s Medicare Advantage program might be a better option if you need more comprehensive insurance. Some Medicare policies offer additional prescription drug add-ons or supplementary coverage.
|Original Medicare (Parts A and B)
|Original Medicare is the basic Medicare plan, which is a fee-for-service form of insurance. It has two parts: Part A hospital insurance and Part B medical insurance. Part A covers hospital stays and periods spent at skilled nursing facilities, lab tests an individual has performed, and hospice care. Part B covers doctor’s office visits and home health care services. It may also cover some preventive care, such as screenings for cancers and mental illnesses, including depression. With Original Medicare, you’ll pay a deductible along with your share of the fees incurred during an inpatient or outpatient visit:
|Medicare Advantage Plans (Part C)
|Medicare Advantage plans, also known as Part C, are an alternative to Original Medicare offered by private insurance companies. These plans include both Part A and Part B coverage, except for hospice care. Most services are provided by network providers, and you may need primary care physicians, referrals for specialists, and prior authorizations for treatment and medications. Medicare Advantage offers additional coverage for essential needs, such as prescription drugs, dental and vision care. Some Medicare Advantage Plans also cover gym memberships and transportation to and from medical appointments. Part C may also pay for adult day care services:
|Medicare Prescription Drug Coverage Plans (Part D)
|Many Medicare Advantage policies add Part D drug coverage automatically to their package, but you can also add Medicare prescription drug coverage to Original Medicare. Medicare prescription drug coverage is offered to all Medicare enrollees, but you may have to pay a penalty if you wait to enroll after being initially eligible. Medicare Part D plans may not all cover the same drugs or have the same costs as Medicare Advantage policies. Standalone Part D coverage is provided by Medicare-approved private insurers. Most plans require a deductible and a copay for each prescription drug:
|Medicare Supplement Insurance Plans (Medigap)
|Some Montana seniors purchase a Medicare Supplement Insurance policy, also known as Medigap. These plans are intended to fill in the gaps Original Medicare doesn’t cover. Some of these gaps include medical coverage while overseas, Part A and Part B copays, and excess Part B charges. Medigap doesn’t pay for anything related to Medicare Advantage. You cannot have a Medigap plan and a Medicare Advantage Plan at the same time.
Medicare in Montana by the Numbers
|People enrolled in Original Medicare
|Average plan cost
|Annual state spending per beneficiary
|Spending per beneficiary compared to the national average
|Part A: $0 to $506 per month*
Part B: $164.90 per month**
*Most people pay no premium, but this can vary depending on how long they paid Medicare taxes.
**This is the average number, but it can vary based on income.
Medicare Resources in Montana
Getting support can help when you’re making Medicare decisions. Montana has numerous locations where enrollees can receive help through the State Health Insurance Program (SHIP). SHIP has counselors throughout the state that work with local nonprofits and public health agencies, as well as Area Agencies on Aging (AAAs), to provide seniors with Medicare information.
Montana Area Agencies on Aging
There are 10 Area Agencies on Aging located throughout Montana. Each Agency offers services to seniors living within their respective counties and can connection you to resources. The Agencies also support senior centers throughout the state where you can find individualized counseling on your Medicare and Medicare Advantage options.
Contact information: Website | 800-551-3191
Montana State Health Insurance Assistance Program (SHIP)
Montana Medicare beneficiaries and their families and caregivers can get free healthcare cousneling through Montana’s official State Health Insurance Assistance Program (SHIP). Local SHIP offices provide connections to counselors who are trained to answer questions about Medicare, Medicare Advantage and Medicare Supplemental Insurance, including questions about each program’s eligibility and enrollment requirements.
Contact information: Website | 1-800-551-3191
Montana Aging and Disability Resource Centers (ARDC)
The Montana Aging and Disability Resource Centers (ARDC) employes trained counselors to help answer your Medicare and Medicare Advantage questions. Counselors are also able to walk you through your Medicare applications and provide referrals to other resources when necessary.
Contact information: Website | 800-551-3191
Montana Department of Public Health and Human Services – Senior and Long-term Care Division
The Montana Department of Public Health and Human Services’s mission is to improve and protect the health, well-being and independence of Montana residents. It’s Senior and Long-term Care division provides information, education and assistance to Montana’s seniors.
Contact information: Website | 888-515-6565