Many Montana seniors have a supplemental Medicare or Medicare Advantage plan. Supplemental options help Butte, Montana, Medicare beneficiaries save considerably on healthcare services.
Medicare plans in Butte, Montana
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.
Medicare Advantage plans
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, Silver Bow County has 14 Butte, Montana, Medicare Advantage plans.
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.
The average cost of Medicare Advantage plans in Butte, Montana
| PLAN | PREMIUM | MOOP | Plan Type | Star Rating |
| Humana | $0 | $6,700 | LOCAL PPO | 4 |
| BCBS of Montana | $0 | $4,400 | LOCAL PPO | 4 |
| Humana | $0 | $4,400 | LOCAL PPO | 4 |
| Humana | $36.00 | $5,000 | HMO | 4 |
| BCBS of Montana | $40.00 | $4,200 | LOCAL PPO | 4 |
Medicare Supplement plans
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.
The average cost of Medicare Supplement plans in Butte, Montana
| LETTER PLAN | LOWEST PREMIUM | HIGHEST PREMIUM |
| PLAN A | $106.00 | $354.47 |
| PLAN B | $140.94 | $312.25 |
| PLAN C | $154.67 | $373.00 |
| PLAN D | $150.81 | $258.49 |
| PLAN F | $152.00 | $375.25 |
| PLAN HDF | $39.00 | $77.15 |
| PLAN G | $115.95 | $355.92 |
| PLAN HDG | $38.83 | $92.29 |
| PLAN K | $58.04 | $129.00 |
| PLAN L | $76.83 | $224.12 |
| PLAN M | $145.17 | $258.98 |
| PLAN N | $97.17 | $346.95 |
Medicare Part D prescription drug plans
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 monthly 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.
The average cost of Medicare Part D plans in Butte, Montana
| 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 |
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.
The average cost of Medicare Special Needs plans in Butte, Montana
| PLAN | PREMIUM | MOOP | Plan Type | Eligibility |
| Humana | $0 | $3,450 | HMO | Dual |
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!
