Get a Medicare Supplement Plan in Montana

Medicare Supplement Insurance Plans in Montana

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Key Things to Know About Medicare Supplement Insurance Plans in Montana

For those looking to cover some of the gaps between what is and isn’t covered by Medicare Parts A and B, there are Medicare Supplement plans. Medicare Supplement Insurance plans, also called Medigap, fill in the holes for out-of-pocket costs related to Original Medicare copayments, coinsurance and deductibles. Medicare Supplement Insurance plans are provided by private insurance companies throughout Montana.

Medicare Supplement Insurance Plans in Montana - Image

In 2023, Montana residents have many Medigap Medicare Supplement Insurance plans from which to choose. These include basic benefits in Plans A, B, D, G, K, L, M and N. Medigap Plans C, E, F, H, I and J are no longer available to those who are newly eligible to Medicare, but those already enrolled in these plans are grandfathered in.

As of January 1, 2020, Medicare Supplement Insurance plans no longer sell Medigap Plans C or F to newly eligible Medicare members. Anyone enrolled in a Medigap Plan C or F on or before December 31, 2019 has been grandfathered in and will be able to continue to use their plan as long as their premiums are paid.

Montana residents looking for a Medicare Supplement Insurance plan should first look at their specific coverage needs to determine what Medigap plan to consider.

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What Are the Most Popular Medicare Supplement Insurance Plans in Montana?

Government-approved Medicare Supplement Insurance plans protect residents in most states, including Montana. Throughout the state of Montana, the insurance companies that sell Medigap plans offer the same basic benefits, but the cost may differ depending upon your location and the insurer. Each insurer in Montana may not offer each of the available Medigap plans.

See below for an overview of the most popular Medigap plans selected by Montana residents. As reported by America’s Health Insurance Plans (AHIP), 94,890 Montana beneficiaries had Medigap coverage in 2021. Below is the breakdown of the number of Montana enrollees by Medigap plan type.

Plan	A	B	C	D	E	F	G	H	I	J	K	L	M	N
Enrollment #	437	210	2,337	505	41	40,541	40,828	70	244	1,456	449	153	1,119	6,342

Source:

AHIP

(2021)

While a Medigap policy will help pay for things like copayments, coinsurance and deductibles not covered by Medicare Parts A and B, it is important to note that your Montana Medicare Supplement Insurance plan will not cover benefits for prescription drugs. However, you can buy an additional Medicare Prescription Drug plan or consider a Medicare Advantage plan.

Learn more about your Medicare Supplement Insurance plan options in Montana by working with a SelectQuote licensed insurance agent. Acting as your advocate, we can guide you through the Medicare maze to better understand Medigap plan options and answer any questions you might have throughout the process. SelectQuote individually shops more than 20 national insurance companies to help you compare Medicare plans in Montana.

Montana residents cannot be enrolled in a Medicare Supplement (Medigap) Insurance plan and a Medicare Advantage plan at the same time. A Medigap plan can also not be used to pay for any expenses for a Medicare Advantage plan.

Montana Medicare Supplement Plans Enrollment Periods

Initial enrollment timeframes are very important. Enrollment for Montana Medicare Supplement Insurance plans begins the first day of the month you turn 65 years old. You also must be enrolled in both Medicare Parts A and B in order to get a Medigap plan.

Montana residents have a six-month period surrounding their birth month to buy a Medicare Supplement Insurance plan. Residents of Montana who are under the age of 65 can check with the Social Security Administration office for additional enrollment periods.

The best time to enroll in a Medicare Supplement Insurance plan is during the initial six months you are eligible for Medicare. You might be surprised to hear that enrollment can begin as early as 64 and 6 months. During this important six-month period, companies that offer Medicare Supplement Insurance plans cannot use underwriting. If you apply for Medicare Supplement Insurance outside of this timeframe, you’ll be subject to a physical exam. If you apply for Medigap coverage after the first six months of eligibility, a company can refuse to sell you a plan or may adjust your premiums depending on your current health status and pre-existing health conditions.

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Is a Montana Medicare Supplement Insurance Plan Right for You?

SelectQuote is an independent third-party company that specializes in helping consumers understand the ins and outs of Medicare. We are here to help make sure you receive all the benefits available to you. SelectQuote licensed insurance agents can also help you stay current with annual updates made to Medicare plans by insurance companies. As a trusted specialist in Medicare, SelectQuote is here to help you find the right Medicare Supplement plan to meet your needs.

To ensure you are getting all the benefits you need, call to speak with a licensed insurance agent or complete your online form today. Let our team simplify the Medicare enrollment process by comparing rates and independently shopping insurance companies to help you find an affordable option that meets your unique needs.

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