|Plan Type||Est. Premium*|
|Medigap Plan A:||$79.56||(shop rates)|
|Medigap Plan C:||$110.19||(shop rates)|
|Medigap Plan F:||$111.68||(shop rates)|
|Medigap Plan FH:||$50.87||(shop rates)|
|Medigap Plan M:||$93.71||(shop rates)|
|Medigap Plan N:||$80.74||(shop rates)|
*Premiums shown are samples for a 65 year old, non-smoking woman in Montana. You must request a quote to get an exact premium for your situation.
Blue Cross Blue Shield of Montana is licensed in Montana to sell BCBS of Montana Medigap Plans. This page outlines the Medicare Supplement insurance available from this carrier, as well as resources to get an accurate quote. A Medicare Supplement protects you from hospital and doctor bills, including deductibles, copayments and coinsurance, that Original Medicare does not pay. This insurance carrier has participated in the supplement insurance market for The carrier offers a range of standardized plans (see below). years and offers a range of plans for Montana seniors (see plans offered below). A.M. Best Company, a nationally recognized insurance rating company, gave BCBS of Montana an rating.
All insurance companies that sell Medicare Plans must offer Plan A. This is the most basic policy covering the portions of Medicare Part A and Part B that the government doesn’t pay.
Montana seniors with Medicare benefits are eligible to apply for a Blue Cross Blue Shield of Montana Medigap Plan A policy. It's a Attained Age based premium. We recommend comparing this company's Plan A rate with these carriers:
- Globe Life Medigap Plan A (Montana)
- UnitedHealthcare Medigap Plan A (Montana)
- Old Surety Medigap Plan A (Montana)
Plan C covers every penny of what Medicare approves, up to the approved payment amount. In other words, there are only two instances in which Plan C will not cover what is left of your charges after Medicare pays its share. The first instance is when Medicare doesn’t approve the charge at all. The second is when your healthcare provider charges more than the Medicare approved amount. This is because Plan C does not cover Medicare Part B Excess Charges.
If you take care to avoid the Medicare Part B excess charges, this is an attractive policy, and Blue Cross Blue Shield of Montana offers it in Montana. The monthly premium is calculated using the Attained Age cost method. Before you make a final decision, be sure to compare. Here are a few companies with good rates:
- Sentinel Security Medigap Plan C (Montana)
- Central States Medigap Plan C (Montana)
- Family Life Medigap Plan C (Montana)
Plan F is the most popular of all supplements. It offers comprehensive coverage for everything Original Medicare doesn’t cover as long as the charge is approved.
There are No Co Pays, No Deductibles and No Out of Pocket Costs with Plan F. That means if your Medicare Part A or Part B pay a penny on any doctor or hospital charges, this policy will cover the gap. Period.
The two gaps that are not covered are At Home Recovery and Preventative Care. These expenses are not covered by Medicare at all.
Plan F is by far the most commonly purchased Medicare supplement in Montana. Blue Cross Blue Shield of Montana offers a good Medigap Plan F, however, don't forget to compare prices. Make sure you're getting the lowest premium available in Montana by comparing quotes from these insurance carriers:
- Old Surety Medigap Plan F (Montana)
- American Continental Medigap Plan F (Montana)
- Central States Medigap Plan F (Montana)
Plan M is a cost sharing plan. What this means is that you are responsible for any additional out of pocket expenses as compared to Plans C, D, F and G. Basically, Plan M works like a Medicare Advantage HMO or PFFS plan without the network hospital and doctor restrictions. You are free to visit any doctor or hospital that accepts Medicare patients.
Plan M includes the core coverage, plus three extra benefits. It covers 50% of your Medicare Part A in-patient hospital deductible, your coinsurance amount for skilled nursing facility care for the 21st through the 100th day of your stay, and any emergency care you may require when you are in a foreign country after a $250 deductible. This benefit pays 80% of the cost of your care for the first 60 days of each trip, up to $50,000 in your lifetime.
Plan M is a real cost saver, but keep in mind that it only pays 50% of your Medicare Part A. Plus, you are required to pay the Part B deductible and Part B excess charges. This plan is not offered by a lot of carriers, so be sure to compare premiums with these insurance companies:
- Family Life Medigap Plan M (Montana)
- Thrivent Financial Medigap Plan M (Montana)
- Transamerica Medigap Plan M (Montana)
Offering benefits similar to Plan D, Plan N features a $20 co-payment for doctor visits and a $50 co-payment for emergency room visits. These co-pays are applied once the annual deductible is met. Most Plan N premiums are approximately 70% of a Plan F and 77% of Plan D premiums.
Plan N gives you all of the basic coverage benefits, plus it pays your Medicare Part A deductible. You pay the Part B deductible and the Part B excess charges. You are also responsible for a $20 co-pay when you visit the doctor and up to $50 for each emergency room visit. If saving money is your goal, this plan will help. Compare premiums with these carriers before you buy:
- Everence Association Medigap Plan N (Montana)
- Standard Life and Acc Medigap Plan N (Montana)
- American Continental Medigap Plan N (Montana)
You are eligible to apply for a BCBS of Montana Medicare Supplement if you are:
- A resident of Montana,
- Enrolled in Medicare Parts A and B, and
- You are age 65 or over.
BCBS of Montana offers plans in Billings, Missoula, Great Falls, Bozeman, Butte, Helena and most other areas of the state.
This page is maintained by 9/22/2015.and was last updated on