Your plan determines how much it will pay for medical services and how much you’ll pay for care. Private Fee-for-Service (PFFS): You won’t need a PCP, and you can visit any Medicare-approved healthcare provider that accepts your plan.4 Montana doesn’t offer Institutional SNP (I-SNP) plans, for those living in a nursing home or other facility, or Chronic Condition SNP (C-SNP) plans, for those living with medical conditions such as cancer or epilepsy. 3 Dual Eligible SNP (D-SNP) plans are available to Montanans eligible for Medicare and Medicaid services and either over age 65 or age 18 through 64 with a disability. Like other Medicare Advantage plans, SNPs are available through Medicare-approved private insurance companies and vary by county, if available at all. Special Needs Plans (SNP): SNP plans are for people with specialized health needs.However, you’ll likely pay more if you go to an out-of-network doctor. Preferred Provider Organization (PPO): With a PPO plan, you won’t have to choose a PCP, get referrals for specialists or be limited to in-network doctors.You’ll have to pick a primary care physician (PCP) and get referrals to see specialists. If you use out-of-network doctors, you’ll face higher out-of-pocket costs except in emergencies. Health Maintenance Organization (HMO): With most HMO plans, you must use in-network doctors for your care.The different types of plans in Montana are: Some plans let you use out-of-network providers, but often at a higher cost. Many of Montana’s Medicare Advantage plans work with networks of doctors and healthcare facilities to keep the costs of services more affordable. What Types of Medicare Advantage Plans Are Available in Montana? ![]() You can join a Medicare Advantage plan during one of the enrollment periods each year. Most Medicare Advantage plans in Montana provide prescription drug coverage. Medicare Advantage plans have to cover the same basic protections as Original Medicare. Most MA plans include Medicare prescription drug coverage and a limit on your out-of-pocket expenses. Medicare pays them to provide at least the same coverage as Original Medicare except for hospice care, which stays covered under Medicare Part A. These plans roll Medicare Part A and Part B services into one plan administered by private insurers. One alternative could be a Medicare Advantage (MA) plan, or Medicare Part C. It also doesn’t limit your out-of-pocket costs. Original Medicare won’t cover all of your medical expenses or prescription drugs. Requests to disenroll or change plans remain subject to applicable Medicare regulations and Federal and state laws/regulations.If you’re eligible for Original Medicare, or Medicare Part A (hospital care) and Medicare Part B (outpatient care), you may be wondering if the federal program offers enough coverage. ![]() Plan recommendations are based on the information that you provide regarding your health coverage needs. It is not a guarantee that UnitedHealthcare offers a plan that meets the needs of every consumer. Limitations and exclusions apply.ĥ The Right Plan Promise is our commitment to provide you with tools and agent/producer support to help you find a plan in UnitedHealthcare's Medicare plan portfolio that meets your needs. Limitations and exclusions apply.Ĥ Benefits, features and/or devices vary by plan/area. Yearly routine eye exam and $100–400 allowance for contacts or designer frames, with standard (single, bi-focal, tri-focal or standard Tier 1 progressive) lenses covered in full either yearly or every two years. Additional charges may apply for out-of-network items and services. Limitations and exclusions apply.ģ Vision benefits vary by plan and are not available with all plans. Network size varies by plan and market.Ģ Benefits, features and/or devices vary by plan/area. Benefits, features and/or devices vary by plan/area. If your plan offers out-of-network dental coverage and you see an out-of-network dentist you might be billed more, even for services listed as $0 copay. 1 $0 cost-share for in-network dental care, specified services only.
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