If you’re a Medicare beneficiary in Montana, understanding Medicare Supplement plans, also known as Medigap, can help you manage out-of-pocket costs not covered by Original Medicare.

This guide will explain what Medigap plans are, their benefits, and how to choose the right one for your healthcare needs.

Medicare Plan Search

What Are Medicare Supplement Plans?

Medicare Supplement Insurance Plans are health insurance plans offered by private insurance companies to fill the gaps in Original Medicare (Medicare Part A and Medicare Part B). These plans help cover costs such as:

  • Coinsurance
  • Copayments
  • Deductibles

In Montana, as in other states, Medigap plans are standardized.

The federal Medicare program requires each Medigap plan to offer the same benefits regardless of the insurance company, making it easier to compare plan options. The only difference is the pricing the insurance company charges you.

The most popular plans include Plan G, Plan N, and Plan F (if eligible).

Popular Medicare Supplement Plans in Montana

Plan G

Plan G is the most comprehensive Medigap plan available to new Medicare beneficiaries. It covers:

  • Part A hospital coinsurance and hospital costs
  • Part B coinsurance or copayments
  • Part A deductible
  • Part B excess charges
  • The first three pints of blood annually
  • 80% of foreign travel emergency expenses

The only cost not covered by Plan G is the annual Part B deductible, which is $257 for 2025.

Plan N

Plan N offers lower premiums than Plan G but requires some cost-sharing. Beneficiaries are responsible for:

  • Copayments for doctor office visits ($20) and emergency care ($50)
  • The Part B deductible

Plan F

Plan F provides the most comprehensive coverage but is only available to beneficiaries who were eligible for Medicare before January 1, 2020. It covers:

  • All Part A and Part B deductibles
  • Coinsurance and copayments
  • Part B excess charges

High Deductible Plan F

For those looking for lower premiums, the High Deductible Plan F offers the same benefits as Plan F after meeting a higher deductible.

Benefits of Medicare Supplement Plans

  1. Predictable Costs: With a Medigap plan, you can avoid unexpected out-of-pocket expenses for coinsurance, copayments, and deductibles.
  2. Nationwide Coverage: Medigap plans allow you to see any healthcare provider that accepts Medicare, offering flexibility for those who travel or live in multiple states.
  3. Standardized Benefits: The benefits of each health plan are the same, regardless of the insurance company.
  4. Peace of Mind: Enjoy comprehensive Medicare coverage for healthcare costs that Original Medicare benefits do not cover.
  5. Foreign Travel Emergency: Some health plans, like Plan G and Plan F, cover a percentage of foreign travel emergency expenses.
  6. Guaranteed Issue: During the Open Enrollment Period, beneficiaries cannot be denied coverage due to pre-existing conditions.

How to Choose the Right Plan in Montana

When selecting a Medicare Supplement plan, consider the following factors:

  • Budget: Compare monthly premiums and out-of-pocket expenses for each plan.
  • Healthcare Needs: Determine how often you visit doctors, require prescription drugs, or need skilled nursing facility care.
  • Eligibility: If you’re newly eligible for Medicare, Plan G and Plan N may be your best options.
  • Lifestyle: If you travel frequently, Medigap’s nationwide coverage and foreign travel emergency benefits are significant advantages.

Medicare Supplement Plan Costs in Montana

The cost of Medigap plans varies based on factors such as age, location, and the insurance company. On average, monthly premiums for Plan G in Montana range from $130 to $200. Plan N premiums are generally lower, ranging from $100 to $160. High Deductible Plan F offers lower premiums but comes with a higher deductible to meet before benefits begin.

Enrolling in a Medicare Supplement Plan

The best time to enroll in a Medigap policy is during your Medigap Open Enrollment Period, which begins the first month you are 65 or older and enrolled in Medicare Part B. During this period, you cannot be denied coverage due to pre-existing conditions.

Medicare Plan Search

Medicare Supplement Plans vs. Medicare Advantage Plans

Medicare Supplement plans are different from Medicare Advantage plans. While Medigap plans supplement Original Medicare, Medicare Advantage plans replace it. Here’s a quick comparison:

Speak with a Licensed Insurance Agent in Montana

Navigating Medicare Supplement plans can be confusing, but you don’t have to do it alone. Our licensed insurance agents in Montana are here to help you compare plans, explain your options, and find the best coverage for your needs and budget.

Contact Us Today:

Phone Number: (833)-567-3163

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