Many Montana seniors have a supplemental Medicare or Medicare Advantage plan. Supplemental options help Butte, Montana, Medicare beneficiaries save considerably on healthcare services.
Butte, Montana Medicare plans
Supplemental Medicare plans like Medicare Advantage or Medigap are available to Butte residents. These policies help beneficiaries reduce their Butte, Montana Original Medicare costs.
The following plan quotes represent how much a typical 70-year-old Butte, Montana, female would pay for coverage.
Affordable Medicare Advantage plans in Butte, Montana
Medicare Advantage is a comprehensive solution to Medicare Part A and B expenses. Most counties in the United States have around 39 plan options. However, there are 14 Butte, Montana, Medicare Advantage plans in Silver Bow County.
An affordable Local PPO plan from Humana costs $0 monthly and has a $6,700 maximum out-of-pocket limit (MOOP). This plan features low copays and an impressive four-star rating, indicating high overall plan effectiveness.
Many consider BCBS of Montana’s Local PPO plan for its four-star service. You’ll pay no monthly premium and have a $4,400 MOOP. Beneficiaries also get prescription drug coverage with this plan.
Another Humana Local PPO plan costs zero dollars per month, and the MOOP is only $4,400. The plan has a high four-star rating.
|PLAN||PREMIUM||MOOP||Plan Type||Star Rating|
|BCBS of Montana||$0||$4,400||LOCAL PPO||4|
|BCBS of Montana||$40.00||$4,200||LOCAL PPO||4|
Average Medicare Supplement plans in Butte, Montana
Medigap or Medicare Supplement plans in Butte, Montana, are government-standardized plans. While benefits don’t change across states, the premiums do.
Medigap Plan G is a top option for new enrollees, offering nearly complete expense coverage. Depending on several factors, you’ll pay between $115.95 and $355.92 per month.
Another option is Medigap Plan HDF. Plan HDF is a high-deductible version for those eligible for Plan F, resulting in lower premiums. For this plan, patients pay a monthly premium of $39 to $77.15.
Medigap Plan N is an excellent option with significant benefits. You could pay between $97.17 and $346.95 per month for enrollment.
|LETTER PLAN||LOWEST PREMIUM||HIGHEST PREMIUM|
Cheapest Medicare Part D prescription drug plans
Medicare Part D in Butte, Montana, helps residents get prescription drug coverage and lower costs for some durable medical equipment. Medicare Advantage plans may include this coverage, but Medigap plans don’t.
The Aetna plan is the cheapest, at $6.80 per month with a $480 deductible. The plan has a decent three-star rating for its benefits and coverage.
Montanans can also choose Clear Spring Health for the $16.60 premium and $480 deductible. The plan generally has good reviews for its cost, with a two-star rating.
UnitedHealthcare offers a Part D plan for $29.30 per month. Patients only have a deductible of $310, and the policy has a high four-star rating.
Medicare Special Needs plans
Butte, Montana, Medicare Special Needs Plans (SNPs) are policies ideal for beneficiaries with chronic disabilities or institutional care needs. While they aren’t available everywhere, Butte has one such plan.
Beneficiaries needing a Special Needs Plan in Butte can choose Humana’s HMO plan. This policy has no monthly premium, and patients have a low MOOP of $3,450. Requirements include dual eligibility, meaning beneficiaries with both Medicare and Medicaid are eligible for enrollment.
Which Medigap offers the most coverage in Butte, Montana?
Medigap Plan F offers the most coverage to Butte, Montana, residents. Medigap Plan C is another top option with significant coverage benefits.
However, only residents eligible for Medicare before 2020 can purchase these plans. You’ll need to choose another top plan to get coverage, like Medigap Plan G, but new enrollees can no longer get coverage for the Part B deductible.
What is the least expensive Medicare Supplement plan in Butte, Montana?
The least expensive Butte, Montana, Medicare Supplement plan is Plan K. Beneficiaries who choose this plan only pay around $77 monthly.
Alternatively, Medigap Plan N is another top choice for those on a budget. You’ll get nearly the same benefits as Plan G but more affordable.
Depending on your needs, another plan may be better for you despite having a lower or higher cost than these plans.
Is Plan G available in Butte, Montana?
Medigap Plan G is available in Butte, Montana. It covers primary benefits, skilled nursing, foreign travel expenses, the Part A deductible, and Part B excess charges. Unlike Plan F, it does not include the Part B deductible.
Plan G has some of the highest premiums for Butte residents. Still, Medigap Plan HDG is a high-deductible option available for those needing lower premiums and wanting Plan G’s benefits.
What are Medigap premiums based on in Butte, Montana?
Private insurance carriers base Butte, Montana, Medicare premiums on age. Attained-age-rated plans’ costs increase with beneficiary age, while issue-age-rated depend on your age when you enroll in a policy. Age has no bearing on a community-rated plan.
Do Medigap plans cover drugs in Butte, Montana?
Medigap plans don’t cover drugs in Butte, Montana, or elsewhere in the United States.
Instead, you’ll need to sign up for a Medicare Advantage plan that includes prescription coverage or enroll in a standalone Medicare Part D prescription drug plan. Otherwise, you risk incurring late enrollment charges if you decide to enroll later.
How to sign up for Medicare plans in Butte
Before enrolling with a private insurance company, let us help you sort through your options. We have the most up-to-date information on Medigap and other supplemental plans across Montana.
Whether you choose a Medicare Advantage plan or a Medigap policy, the team at Medigap.com helps you compare top plans and carriers for free.
So just fill out our online rate form or call us to receive rates today!