Can I get a Medigap Plan F or has it Gone Away?
The highly prized Medigap Plan F is about to be a thing of the past. The government is forcing it out as a way to cut costs. The good news is that you can keep it if you have it. Will it actually cut Medicare cost in Montana? It's anyone's guess, but the theory is that seniors will use their doctor less often if they have to pay out-of-pocket.
Join a Montana Medicare Part D Plan for Rx Coverage
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 Medicare Supplements are Regulated by Law
The Montana Department of Insurance and the federal government passed laws that require insurance carriers to standardize Medicare Supplement insurance. Plans must be identified as Medicare Supplement Insurance and plans must follow the state's standardized naming convention. Each standardized plan offers the same benefits. Only the monthly premiums, and how the premiums are calculated, may vary.
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 you can visit your state's 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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