Original Medicare is the top option for those needing healthcare in Bozeman, Montana. Many Bozeman Medicare beneficiaries also choose a supplemental Medicare plan to cover extra costs.

Below, we’ll detail the available supplemental options for patients in Bozeman.

Bozeman, Montana Supplemental Medicare Plans

Beneficiaries who enroll in a supplemental plan can choose between Medigap or Medicare Advantage to save significantly on uncovered Original Medicare Part A and B costs. Multiple supplemental options, Part D plans, and Special Needs plans exist.

The quotes below are for males in Bozeman, around 65 years old.

Cheapest Medicare Advantage Plans in Bozeman, Montana

Some Medicare Advantage plans offer additional benefits along with Original Medicare coverage. Medicare Advantage is popular in Gallatin County, where Bozeman is. There are 13 Bozeman, Montana, Medicare plans in the county.

Humana offers an affordable Local PPO plan for zero dollars monthly. This plan has a $6,700 maximum out-of-pocket limit (MOOP) and additional benefits like Part B reductions. The plan’s four-star rating indicates excellent performance.

You can also consider BCBS of Montana’s Local PPO plan with no monthly premium. It has a $4,400 MOOP and impressive four-star performance.

Another Humana HMO four-star plan costs $36 per month and has a MOOP of $5,000. This plan will offer affordable copays and additional dental care coverage.

PLAN PREMIUM MOOP Plan Type Star Rating
Humana $0 $6,700 LOCAL PPO 4
Humana $0 $4,400 LOCAL PPO 4
BCBS of Montana $0 $4,400 LOCAL PPO 4
Humana $36.00 $5,000 HMO 4
BCBS of Montana $40.00 $4,200 LOCAL PPO 4

Affordable Medicare Supplement Plans in Bozeman, Montana

Medicare Supplement, or Medigap plans, cover additional expenses from Original Medicare. These policies stay the same across all states and carriers. However, you’ll find different premiums for every plan.

Plan F offers full coverage for all potential expenses, including the Part B deductible. You’ll pay between $134.29 and $423.25 per month in premiums.

Medigap Plan HDF is a high-deductible option for those wanting the benefits of Plan F. You’ll pay a higher out-of-pocket deductible before you receive 100% coverage and get lower premiums. Monthly premiums range between $29 and $69.27.

Many choose Medigap Plan G for its coverage, although it doesn’t cover the Part B deductible. Patients pay between $111.27 and $402.08 per month for this policy’s benefits.

LETTER PLAN LOWEST PREMIUM HIGHEST PREMIUM
PLAN A $88.00 $289.42
PLAN B $132.86 $352.00
PLAN C $152.00 $421.00
PLAN D $116.63 $206.90
PLAN F $134.92 $423.25
PLAN HDF $29.00 $69.27
PLAN G $111.27 $402.08
PLAN HDG $29.00 $81.13
PLAN K $52.72 $126.25
PLAN L $70.33 $252.62
PLAN M $114.54 $207.78
PLAN N $87.72 $391.39

Average Medicare Part D in Bozeman, Montana

Bozeman, Montana, Medicare beneficiaries can take advantage of a Medicare Part D plan. These standalone plans provide prescription medication coverage. Medigap policies don’t include these benefits, but some Medicare Advantage plans may.

A plan from Aetna costs $6.80 monthly and has a $480 deductible. Its three-star rating is decent for being the cheapest option.

Wellcare also offers a three-star plan with a cheap premium. Montanans have a $480 deductible and $10.60 monthly premium for the policy.

Humana offers a monthly premium of $22.70 and a $480 deductible for prescription coverage. This plan has a high four out of five-star rating for overall effectiveness.

PLAN PREMIUM DEDUCTIBLE STAR RATING
Aetna $6.80 $480 3
Wellcare $10.60 $480 3
Clear Spring $16.60 $480 2
Humana $22.70 $480 4
UnitedHealthcare $29.30 $310 4

Medicare Special Needs Plans in Bozeman, Montana

Special Needs Plans are Medicare Advantage plans ideal for people with specific disabilities or special needs. These plans aren’t available everywhere, and they typically have eligibility requirements.

Only one plan is available for Bozeman residents. A policy from Humana costs nothing monthly, but patients can pay up to $3,450 MOOP. They’ll need dual eligibility for this HMO plan.

PLAN PREMIUM MOOP Plan Type Eligibility
Humana $0 $3,450 HMO Dual

FAQs

What are Medigap premiums based on in Bozeman, Montana?

Bozeman, Montana, Medicare premiums depend on age and other factors. Community-rated premiums stay the same, while issue-age-rated premiums change depending on your age during enrollment. Attained-age-rated premiums increase with your age.

What is the difference between Plan N and Plan G in Bozeman, Montana?

In Bozeman, Plan N does not cover the Part B deductible or excess charges. Plan G does cover Part B excess charges but doesn’t cover the deductible.

Despite coverage differences, it’s possible to save just as much money with Plan N as with Plan G.

When can I apply for Medigap in Bozeman, Montana?

You can apply for a Medigap plan in Bozeman during the Open Enrollment Period or during your Initial Enrollment Period when you first sign up for Medicare.

In other cases, you’ll need a guaranteed issue right. You’ll get another chance for coverage if you move out of your plan’s area or your carrier no longer supports your plan.

Can you switch from Medicare Advantage to Medigap in Bozeman, Montana?

You won’t always be able to switch from a Bozeman, Montana, Medicare Advantage plan to Medigap. You can switch if you need more or better coverage, want a more affordable policy, or need to change carriers.

You’ll need to have a guaranteed issue right or switch during the Medigap Open Enrollment window.

What is the most popular Medigap plan in Bozeman, Montana?

The most popular Medigap plan was Plan F before 2020. Plan G is the most popular option, as Plan F is no longer available for new enrollees. Those eligible for Medicare before 2020 can still enroll in Plan F or C.

Because of its coverage benefits, Medigap Plan G has higher premium costs than other plans.

How to Sign Up for Supplemental Medicare in Bozeman

Before registering for a supplemental option, consider speaking with the Bozeman, Montana, Medicare professionals at Medigap.com. We have the latest information on plans and carriers.

We can help you find the best policy, regardless of your coverage needs. Whether you need a budget plan option or something with extensive coverage, we can help.

Call our agents today to learn more, or fill out our online rate form and get the best rates in your area.

Written By:
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Lindsay Malzone, Lindsay Malzone is the Medicare editor for Medigap.com. She's been contributing to many well-known publications since 2017. Her passion is educating Medicare beneficiaries on all their supplemental Medicare options so they can make an informed decision on their healthcare coverage.
Reviewed By:
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Rodolfo Marrero, Rodolfo Marrero is one of the co-founders at Medigap.com. He has been helping consumers find the right coverage since the site was founded in 2013. Rodolfo is a licensed insurance agent that works hand-in-hand with the team to ensure the accuracy of the content.