Currently, 96,371 residents receive Part A and Part B Missoula Montana Medicare. Of this number, 21,427 currently participate in a Medicare Advantage plan versus 74,944 participating in a fee-for-service program.
Medicare plans in Missoula, Montana
The data used in this guide revolve around a female who’s 65 years old.
Medicare Advantage plans
The overall Medicare Advantage participation rate for Missoula is 22.23%. Residents can choose from 18 Medicare Advantage plans in Missoula, Montana. We’ll break down three of them below.
Let’s look at Humana first. This plan carries a zero-dollar monthly premium and a MOOP (maximum out-of-pocket) rate of $4,400. As a local PPO, this plan covers a low-service area. However, this plan also provides significant coverage since it carries a four-star rating.
UnitedHealthcare is another four-star rated plan. Its MOOP rate is much higher, sitting at $6,700. Additionally, this plan has a zero-dollar monthly premium and is a Local PPO. Using this plan, most patients don’t need to fund copays for telehealth visits.
PacificSource also features a zero-dollar monthly premium and is a Local PPO. However, it features a three-star rating. Lastly, its MOOP rate sits at $5,900.
The average cost of Medicare Advantage plans in Missoula, Montana
|PLAN||PREMIUM||MOOP||PLAN TYPE||STAR RATING|
|BCBS of Montana||$0||$4,400||LOCAL PPO||4|
Medicare Supplement plans
Residents like to explore Missoula, Montana Medicare Supplement plans to supplement their Medicare. Since the government standardizes these plans, their benefits don’t change from state to state. However, monthly premiums do vary depending on the state.
The most popular plan residents choose is Plan F. While this features the highest premium range of $134.92 to $375.25, this plan also has the most comprehensive coverage. With this plan, you pay fewer out-of-pocket expenses when receiving medical care.
Plan HDF also exists for patients who want great medical coverage but don’t want to pay high premiums. Using this plan, your premium range will be $29 to $69.27. However, using this plan means paying a higher deductible upon receiving medical care.
Many patients use Plan G as an alternative to Plan F as they share many of the same benefits. Using Plan G, expect slightly lower premiums, ranging from $111.27 to $355.92. Just like Plan F, Plan G also has a high deductible version that shares all the same benefits.
The average cost of Medicare Supplement plans in Missoula, Montana
|LETTER PLAN||LOWEST PREMIUM||HIGHEST PREMIUM|
Medicare Part D prescription drug plans
The one drawback to Medigap plans is that they don’t cover prescription medications. Additionally, only some Medicare Advantage plans do. Standalone Part D plans resolve this by offering medication coverage.
Wellcare remains a top choice for Part D Missoula Montana Medicare plans. Using this plan, expect a premium of $10.60 and a deductible of $480. Also, expect to spend between zero to four dollars for most generic prescriptions.
Missoula residents also choose Humana. This four-star rated plan features a monthly premium of $22.70 with a $480 deductible. Using this plan, most generic prescriptions cost patients between one to four dollars.
For a plan with a lower deductible, choose UnitedHealthcare. While this plan has a higher monthly premium of $29.30, its $310 deductible can offset the higher premium costs. This plan also features a four-star rating, signifying excellent coverage.
The average cost of Medicare Part D plans in Missoula, Montana
Special Needs plans
Special Needs Plans (SNPs) provide additional Medicare coverage in Missoula, Montana. As a subsection of Medicare Advantage plans, these plans help provide coverage to patients with chronic disabilities or special needs. However, these plans aren’t available in all regions.
Missoula residents can gain access to the Humana SNP. This SNP carries a zero-dollar premium with a MOOP rate of $3,450. This HMO is dual-eligible, meaning residents need to qualify for Medicaid and medical help under a state plan through Medicaid.
The average cost of Medicare Special Needs plans in Missoula, Montana
How To sign up for Medicare plans in Missoula
Supplemental Medicare in Missoula, Montana, is a popular choice for those who find that Original Medicare leaves gaps in coverage.
Our team can help you compare plans and choose the best suits your needs and budget. We work with all carriers to provide our free service.
If you’re looking for supplemental insurance to fill the gaps in your Original Medicare, call or fill out our online rate form today! We would be happy to help you find the right plan for your needs.