Can I get a Medigap Plan F or has it Gone Away?
In 2020 you will no longer be able to purchase a Medicare Supplement Plan F in Montana. However, if you get a Plan F policy in Montana now you will be able to keep it. These highly valuable supplemental plans are being phased out as a cost cutting measure for the government. The theory is that seniors will stop seeing their doctor if they have to pay out-of-pocket.
in Montana Medicare Supplements Do Not Cover Prescriptions
Supplements don't and can't cover your prescriptions. This is a change from years past. By law, supplemental insurance must cover what Original Medicare covers, and nothing more. The only exception is foreign travel coverage.
Here's the complete list of Medicare Prescription Drug Plans available in Montana.
Montana has Standardized Medicare Supplements
By law, all Medicare Supplements sold in the state of Montana are standardized. This means that every policy must be clearly identified as Medicare Supplement Insurance and it must offer the exact coverage allowed. This allows all plans to compete on price (premium).
Each lettered plan offers the basic coverage of Plan A. Plans B through N offer different levels of gap coverage, including some with annual out-of-pocket limits. This gives people significant range of choice based on the amount of insurance needed.
Carriers are free to market the the policies they want, with these simple limitations:
- Carriers are not required to offer every plan
- Plan A is mandatory
- Plan C or F must be offered
To learn more, visit the Montana Department of Insurance website at http://csimt.gov/.
Just a friendly remainder that Medicare does not cover routine dental care. We have a complete catalog of Montana dental insurance for seniors.
Looking for Assistance?
There are numerous insurance counseling resources available to Medicare beneficiaries. One of the best in Montana is the State Health Insurance Assistance Program (SHIP). They offer free, one-on-one counseling and assistance. You can contact them by telephone or by visiting their website:
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