Of the 145,853 Medicare beneficiaries in Vermont, 132,287 have traditional Medicare, 13,566 have a Medicare Advantage plan, and 111,330 have Part D coverage. The average monthly premium for a Medicare Advantage plan is $53.45 in Rutland, Vermont. Medicare Supplement Plan C is the most popular Medigap plan in the state.
Rutland, Vermont Supplemental Medicare plans
Supplemental Medicare plans, such as Medicare Advantage, Medicare Supplement plans (Medigap), and Medicare Part D, help fill in coverage gaps and pay the out-of-pocket expenses from traditional Medicare.
We’ll look at some of the most affordable supplemental Medicare plans to enhance Original Medicare coverage in Rutland, Vermont. The quotes calculated use a 70-year-old female as an example.
Average Medicare Advantage plans in Rutland, Vermont
Twenty-two Rutland, Vermont, Medicare Advantage plans are available, and 47% are four stars or higher. Medicare-approved private insurance companies provide the plans, also known as Medicare Part C.
The UnitedHealthcare PPO plan has a $0 monthly premium and $4,500 maximum out-of-pocket (MOOP) expenditure. The plan lets you choose from a national network of doctors and covers regular vision, dental, and hearing care. The copay for visits to your primary healthcare provider is $0.
MVP Health offers a Medicare Advantage plan with a $0 premium, a $0 deductible on Tier 1 and 2 drugs, and a $0 copay for primary doctor visits. The maximum you can spend out of pocket is $6,700. Along with an allowance for hearing aids, eyewear, and dental care, the plan offers SilverSneakers Fitness.
The Wellcare giveback plan has a $0 monthly premium, a $150 deductible, and a $7,550 MOOP. In-network primary care doctor visits have a $0 copay, and specialist appointments have a $50 copay. Routine wellness checkups and dental, hearing, and vision care from in-network providers have copays of $0.
|PLAN||PREMIUM||MOOP||PLAN TYPE||STAR RATING|
|MVP Health||$0||$7,550||LOCAL PPO||4|
|MVP Health||$0||$6,700||LOCAL PPO||4|
Cheapest Medicare Supplement plans in Rutland, Vermont
Medicare Supplement plans, commonly known as Medigap, provide extra coverage for beneficiaries who need help paying health expenses that traditional Medicare doesn’t cover. There are ten plans labeled A through N, which are the same in every state. The only difference is the monthly premium.
Plan C is a popular Medicare Supplement plan among Rutland, Vermont, Medicare beneficiaries. The plan covers all gaps in traditional Medicare except Part B excess charges. The monthly premium ranges from $183.51 to $381.02. With Plan C, you can see any doctor who accepts Medicare with no coinsurance costs.
A step down from Plan C, Plan D covers all expenses minus the Medicare Part B deductible and excess charges. This plan also has no copayments and covers 80% of emergency care in foreign countries after a $250 deductible. The premium is $160.99 to $363.46 monthly.
Medigap Plan G is one of the top nationwide plans, covering all costs that Medicare shares with beneficiaries except the Part B deductible. The monthly premium is from $165.02 to $378.36, and the deductible is $233.
|LETTER PLAN||LOWEST PREMIUM||HIGHEST PREMIUM|
Affordable Medicare Part D prescription drug plans
Since traditional Medicare doesn’t cover prescription drugs and only some Medicare Advantage plans include drug coverage, Medicare Part D is available for beneficiaries who need it. Consumers can choose Part D plans from private companies in their area, which have various monthly premiums and deductibles.
Humana has a Part D plan with a low monthly premium of $22.70. Costs are lower at preferred pharmacies; the copay for Tier 1 drugs is $10 at standard pharmacies. Tier 1 and 2 drugs have a $0 deductible, and Tier 3, 4, and 5 drugs have a $480 deductible.
The Essential Rx Part D plan from Cigna is $32.10 monthly and has a $0 deductible for Tier 1 and 2 prescription drugs. Tiers 3, 4, and 5 have a $480 deductible. Preferred home delivery or in-network pharmacies have a $0 copay for Tier 1 drugs.
The cheapest Rutland, Vermont Part D plan on the list is Aetna SilverScript SmartRx, with a $7.40 monthly premium. It may be more affordable because only Tier 1 drugs have a $0 deductible with this plan, and all tiers have copayments. At a preferred pharmacy, the Tier 1 copay is $1, Tier 2 is $19, and Tier 3 is $46.
How do I change my Medicare plan in Rutland, Vermont?
To change to a different Medicare Advantage plan in Rutland, enroll in the plan you want, and it will automatically end your previous plan when the new one begins. To switch Medicare Supplement plans, enroll in the new plan and contact your previous provider to end your coverage.
What is the deductible for Plan G in Rutland, Vermont?
In Rutland, Vermont, Medicare Supplement Plan G has a $233 deductible. The Part B deductible is the only Medicare expense Plan G doesn’t cover.
What is the difference between Plan N and Plan G in Rutland, Vermont?
Rutland Medigap Plan N is a step down from Plan G. Both provide complete coverage except for the Part B deductible. Still, Plan N has an additional $20 copay for doctor’s visits and a $50 copay for the emergency room.
Is Medigap better than an Advantage plan in Rutland, Vermont?
Medigap plans are better for beneficiaries with serious medical conditions that lead to them needing frequent healthcare. Medicare Advantage plans work best for those in good health with few medical expenses.
Can I have more than one Medigap plan in Rutland, Vermont?
No, you can’t enroll in more than one Medigap plan in Rutland, VT, and you can’t have Medigap and Medicare Advantage simultaneously. Talk with our licensed agents on Medigap.com to find the best Medicare coverage.
How To sign up for Medicare plans in Rutland
We can recommend the right supplemental Rutland, Vermont Medicare plans according to your circumstances.
To save time and money while navigating Medicare coverage, fill out our online rate form to get a free quote for the plan you want.