Medicare in Montana
Find affordable Medicare plans in Montana
If you are a resident of Montana and you’re eligible to receive Medicare coverage, you may want to learn more about Medicare and how it works.
Original Medicare for Montana beneficiaries
Original Medicare includes Medicare Part A (hospital insurance) and Medicare Part B (medical insurance). Medicare, the government-sponsored insurance program, provides health coverage to U.S. citizens and legal permanent residents who are age 65 and older. If you’re not yet 65, you may be eligible for Medicare in some cases. Original Medicare is available throughout Montana and the rest of the United States.
You may be pleased to know that Medicare Part B also covers some preventive care – such as annual check-ups with your doctor or other qualified health professional and certain cancer screens. And while you typically pay your Medicare deductible and/or 20% of the cost of treatment for a medical condition, in most cases you pay $0 for covered preventive care.
Medicare plan options in Montana
You may have the option to receive your Medicare benefits from a Medicare Advantage plan in Montana. As CMS reports, 94% of people with Medicare in Montana have access to at least 1 of the 14 Medicare Advantage plans available in Montana in 2018.
Medicare Advantage plans in Montana
Private insurance companies approved by Medicare, offer Medicare Advantage plans. The government requires Medicare Advantage plans in Montana, as in the rest of the United States, to offer at least the same medical and hospitalization coverage as Original Medicare, Part A and Part B (except hospice care, which continues to be covered under Part A). Medicare Advantage plans often offer extra coverage not provided under Original Medicare—for example, a Medicare Advantage plan may include routine dental and/or vision coverage, or it may include Medicare Part D prescription drug coverage. You must continue to pay your Medicare Part B premium. Plans that may cover your medications are also known as Medicare Advantage Prescription Drug plans.
Medicare Prescription Drug Plans in Montana
Another way to get Medicare Part D (prescription drug coverage) is from a stand-alone Medicare Part D Prescription Drug Plan — if you have Medicare Part A or Part B or both. Offered by insurance companies contracted with Medicare, Medicare Prescription Drug plans offer prescription drug coverage to Medicare beneficiaries who reside within the counties where the plans are offered.
Costs for Medicare Part D Prescription Drug Plans in Montana vary, depending on the kind of coverage you choose and the county you reside in. Medicare Advantage Prescription Drug plans, which combine health and prescription drug coverage in a single plan, may also be an option for you to consider.
Medicare Supplement insurance
If you decide to stay with Original Medicare, another option you may have is to sign up for a Medicare Supplement (Medigap) insurance plan to help pay for Original Medicare’s out-of-pocket costs. Different Medigap insurance plans may pay for different amounts of those costs, such as copayments, coinsurance, and deductibles.
To find out what’s available where you reside in Montana, simply enter your zip code in the Plan Finder located on this page.
Medicare resources for beneficiaries in Montana
Montana has resources designed to help Medicare beneficiaries with Medicare-related issues and concerns. Here are a couple of them:
- State Health Insurance Assistance Program (SHIP)
- Office of the Montana State Auditor, Commissioner of Securities and Insurance
Medicare statistical trends in Montana
As you think about your Medicare coverage options, you may find of interest certain facts and trends CMS has reported regarding Medicare in Montana.
- Medicare enrollment continues to grow in Montana as elsewhere in the U.S. 219,152 people in Montana have Medicare coverage as of January 2018 compared to 181,510 in 2012.
- Original Medicare remains the coverage of choice for approximately 81% of beneficiaries
- 147,451 people were enrolled in Medicare plans offering Part D prescription drug coverage as of January 2018. 74% of these individuals enrolled in stand-alone Part D Prescription Drug Plans, and 26% of these people enrolled in Medicare Advantage Prescription Drug plans that combined medical and prescription drug coverage.
- 75% of people with Medicare Part D prescription drug coverage have access to a plan with a lower premium than what they paid in 2017.
Statistical data from the Centers for Medicare & Medicaid Services, “2018MA Part D Landscape State-by-State Fact Sheet,“ “Medicare Enrollment Dashboard
Data in this article was checked when the article was written and might not be updated as newer data becomes available.
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