Is Medicare Supplement Plan F Going Away in Montana?
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.
Supplemental Plans Work with Medicare Part D
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
Montana insurance carriers are required to follow both state and federal laws regulating Medicare Supplements. Plans are standardized and must provide the exact coverage mandated. The only variance is the premium and how the premium is calculated.
All supplements sold in Montana offer the basic benefits of Plan A. All other plans include additional levels of gap coverage. This lets you to select the amount right coverage for your personal needs.
Each carrier decides which plans wants to issue. State law mandates that:
- Carriers are not required to offer every plan;
- Carriers must offer Plan A (basic benefits); and
- Carriers must also offer Plan C or Plan F.
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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