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If you’re a Montana beneficiary enrolled in Original Medicare, Part A and Part B, you have the option of enrolling in a Medicare Supplement Insurance plan to get help paying for certain costs that Original Medicare doesn’t cover.
Medicare Supplement Insurance plans are offered through private insurance companies and designed to work alongside your Original Medicare coverage. Most states, including Montana, offer 10 standardized Medicare Supplement Insurance plan options, each labeled with a different letter (Plan C, Plan F, etc.). Because benefits are standardized across each plan type, you’ll get the same level of coverage for Medicare Supplement Insurance plans of the same letter category, no matter which insurance company you buy from.
Medicare Supplement Insurance plans may cover Original Medicare expenses such as copayments, deductibles, and coinsurance — costs that you’d normally be responsible for paying out of pocket. In addition to help with cost sharing, Medicare Supplement Insurance plans may offer coverage for benefits that Original Medicare doesn’t cover, such as the first three pints of blood, Part B excess charges, or emergency health coverage outside of the country.
To be eligible for a Medicare Supplement Insurance plan, you must be enrolled in Medicare Part A and Part B. In Montana, insurance companies that sell Medicare Supplement insurance are required to offer at least one type of plan for certain people with Medicare who are under 65. However, you may have more options once you are 65 or older.
If you want to sign up for a Medicare Supplement Insurance plan in Montana, the best time to do so is during your Medicare Supplement Open Enrollment Period (OEP). This is the one-time, six-month period that automatically starts the first day of the month that you are both 65 years or older and enrolled in Medicare Part B.
During your Medicare Supplement Open Enrollment Period, you can enroll in any Medicare Supplement plan offered in your area in Montana with “guaranteed-issue rights.” This means you can purchase any Medicare Supplement Insurance plan offered in your area without being subjected to medical underwriting and without restrictions based on pre-existing conditions*. If you have health problems, you cannot be charged higher premiums or denied coverage.
After your Medicare Supplement Open Enrollment Period has passed, it may be more difficult to switch Medicare Supplement Insurance plans or enroll in a new plan, especially if you have medical issues. Insurance companies are allowed to require medical underwriting and may deny coverage based on any pre-existing conditions*.
As mentioned above, same-lettered Medicare Supplement Insurance plans in Montana don’t vary in coverage, regardless of which insurance company you purchase from. However, monthly plan premiums do vary, depending on the insurance company and location.
Medicare beneficiaries in Montana should check what Medicare Supplement Insurance plans are available in their area and make a decision based on both their health and financial needs.
If you want to get started searching for Medicare Supplement Insurance plans in Montana today, eHealth makes it easy to find plan options. Simply enter your Montana zip code in the plan finder tool on this page to get a customized list of Medicare Supplement Insurance plans in your area.
*Pre-existing conditions are generally health conditions that existed before the start of a policy. They may limit coverage, be excluded from coverage, or even prevent you from being approved for a policy; however, the exact definition and relevant limitations or exclusions of coverage will vary with each plan, so check a specific plan’s official plan documents to understand how that plan handles pre-existing conditions.
eHealth's Medicare website is operated by eHealthInsurance Services, Inc., a licensed health insurance agency doing business as eHealth. The purpose of this site is the solicitation of insurance. Contact may be made by an insurance agent/producer or insurance company. eHealth and Medicare supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program. We offer plans from a number of insurance companies.