To find out if you’re eligible for a Medicare Savings Program in Montana, contact the Montana Medicaid department. Depending on the level of assistance you qualify for, Medicare Savings Programs may help pay for premiums, copayments, coinsurance, and deductibles. Montana Medicare Savings Programs: If you have Medicare in Montana, you may be eligible for help with Medicare costs if they have limited income or assets.The state of Montana has people and websites ready to help you understand more about Medicare. Medicare in Montana: resources for residents One way to do that is to enter your zip code on this page – you can enter your prescriptions and compare plans in Montana with no obligation. Plan availability, costs, and benefits may vary by location, so you may want to compare plans. Medicare Advantage plans and Medicare prescription drug plans are available through private insurance companies that contract with Medicare. You can sign up for a stand-alone Medicare Part D prescription drug plan. Medicare prescription drug coverage – If you decide to stay with Original Medicare, be aware that Medicare Part A and Part B don’t cover most of your prescriptions. Learn more about Medicare Supplement insurance. Some Medicare Supplement insurance plans cover your Part A deductible, hospice care, skilled nursing facility coinsurance, and more. These plans also generally cover your Medicare Part B coinsurance or copays. There are up to 10 plans available, each named with a letter, like Medicare Supplement Plan A (not to be confused with Medicare Part A).Įach Medicare Supplement insurance plan typically covers your inpatient hospital expenses for up to one year after your Medicare Part A benefits run out. Medicare Supplement insurance plans in Montana are standardized the same way as in most other states. Medicare Supplement insurance – Instead of going with a Medicare Advantage plan, you might have the option of buying a Medicare Supplement (Medigap) insurance plan to work alongside your Medicare Part A and Part B coverage. Most plans include prescription drug coverage. Medicare Advantage plans must provide at least the same level of coverage as Original Medicare, but may also include other benefits. Medicare Advantage plans in Montana, as across the country, provide your Original Medicare benefits through a private, Medicare-approved insurance company. Medicare Advantage – You can decide to get your Medicare Part A and Part B coverage through a Medicare Advantage plan (such as a Medicare HMO). Original Medicare isn’t your only option. You’ll pay an annual deductible and/or a 20% coinsurance amount for many services. This isn’t a complete list, and restrictions may apply. Certain “durable medical equipment,” like wheelchairs and walkers.Lab tests, screenings, and scans when medically necessary and ordered by your doctor.Medicare Part B in Montana (and nationwide) usually covers: You also generally pay copayments or coinsurance for most services. It ends when you haven’t had inpatient hospital or SNF care for at least 60 days in a row. A benefit period starts when you’re admitted to the hospital or SNF as an inpatient. Unlike the Medicare Part B deductible, the Part A deductible isn’t annual – it’s per benefit period. Limited inpatient skilled nursing facility (SNF) stays.In Montana, as in the other states, Medicare Part A usually covers: Original Medicare includes Part A, hospital insurance, and Part B, medical insurance. Medicare mainly works the same in every state. Medicare is a federal program that provides health coverage for people who qualify by age, disability, or having certain health conditions (such as end-stage renal disease or amyotrophic lateral sclerosis). Here’s a quick overview of your Medicare coverage options. Or, you can buy a Medicare Supplement insurance plan to pay for some of your Medicare out-of-pocket costs. But you can decide to get your Part A and Part B benefits through a Medicare Advantage plan instead. When you get Medicare in Montana, you can get Original Medicare (Part A and Part B) through the federal program.
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