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Compare options, including Medicare Advantage, Medicare Supplement, and prescription plans.
Find a Licensed Medicare agent in Montana
Connect with Medicare agents in Montana
Toni Aldridge
Kevin Hatfield
Shannon Davis
Tyler Eby
Kayla Torry
Brandon Kauffman
Calvin Fritz
Sara Morrissey
Matt Willenborg
Ariel De Jesus
Why work with a Medicare agent
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Get the help you need to enroll in Medicare, from Original Medicare to supplemental coverage.
Use your coverage
Receive extended support to help you use your plan effectively, find doctors, and get savings.
A Snapshot of Medicare in Montana
71% of Montana Medicare beneficiaries are on Original Medicare, which is offered by the federal government. The other 29% have Medicare Advantage or another health plan, which are offered by private insurance companies.
Montana residents can receive coverage through Original Medicare or a Medicare Advantage plan. Medicare Advantage plans include Medicare Parts A and B, and often also include Medicare Part D, which is prescription drug coverage. Beneficiaries who choose Original Medicare or a Medicare Advantage plan that doesn’t offer prescription coverage can purchase a standalone Medicare Part D plan. Part D coverage varies widely between plans, so it’s important to make sure your prescriptions are covered at a price you can afford.
Original Medicare only covers about 80% of the cost of covered services, and there’s no out-of-pocket limit. A Medicare Supplement Insurance plan, also known as a Medigap plan, can help Montana residents who have Original Medicare manage out-of-pocket costs (deductibles, copayments, and coinsurance). Benefits vary by plan type—and there are ten plan types each named after a letter from A-N. While all plans of the same letter (e.g., every Plan G) provide the same coverage, insurance carriers may offer different Plan G policies with different premiums. Compare coverage and premiums before deciding whether a specific Medigap policy meets your needs.
Medicare Part B covers many preventive services—and many are covered at no cost to you. These services may include wellness checks, vaccines, select screenings, and cardiovascular checks.
How to apply for Medicare in Montana?
Medicare eligibility in Montana follows the same nationwide rules as everywhere else in the country. You qualify for Medicare as a US citizen if you meet one of these criteria:
- You're 65 or older
- You have a qualifying disability, such as End-Stage Renal Disease or ALS
- You've received SSDI for 24 months or more
Enrolling in Montana takes three key steps:
- Sign up for Original Medicare (Part A and Part B)
- Decide on your supplemental coverage:
- Medicare Supplement (Medigap)
- Medicare Advantage (Part C)
- Part D (prescription drug coverage)
- Confirm your doctors are in network, update your pharmacy with your new plan, and activate any additional benefits included with your coverage
FAQs
What should I look for when getting Medicare help in Montana?
You should consider your current medical needs and your budget when choosing a Medicare plan in Montana. A licensed Medicare agent from Chapter can help you make a decision based on these factors. They'll also help you choose between Original Medicare and a Medicare Advantage plan. You can schedule a free consultation or call Chapter at (855) 900-2427.
How can living in a rural part of Montana affect Medicare Advantage choices?
Medicare Advantage plan availability depends on the county you live in, and provider networks are tied specifically to each plan. Montana beneficiaries living in rural areas may have fewer options when it comes to in-network providers. Before choosing a plan, make sure that it covers your doctors and that you won’t have to travel too far for treatment.
What should Montana residents consider if they regularly receive medical care outside their local area?
Montana residents who regularly travel outside of their coverage area for medical care should verify how their Medicare Advantage plan handles out-of-network care. Some plans cover out-of-network care at a higher cost while others will provide no coverage for out-of-network care. Review plan rules before enrolling. You should also consider Original Medicare because it covers care from any doctor who accepts Medicare.
When can Montana residents change their Medicare coverage?
Montana residents can change their Medicare coverage during the annual Open Enrollment Period, from October 15 through December 7. During this time, beneficiaries can switch between Original Medicare and Medicare Advantage, change Medicare Advantage plans, or make changes to their Part D prescription drug coverage. Those already enrolled in Medicare Advantage can also switch plans or return to Original Medicare between January 1 and March 31. Certain circumstances, such as moving or losing other coverage, may qualify beneficiaries for a Special Enrollment Period.
