Blue Medicare Supplement Insurance Plans | Blue Cross and Blue Shield of Montana

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Blue Medicare Supplement Insurance Plan 

Compare All Medicare Supplement Insurance Plans

Medicare Supplement Insurance Plans are identified by the letters A, B, C, D, F, G, K, L, M and N. Each plan covers a different set of costs. The chart shows plans available in Montana from Blue Cross and Blue Shield of Montana.

Basic Benefit Option Comprehensive Plan Option Budget-Conscious Plan Options Available for Newly-Eligible Before 1/1/2020 Only
Plan A Plan G High Deductible Plan G3 Plan N Plan F High Deductible Plan F3
Basic Benefits ✔  ✔  ✔ 
copay4
applies
✔  ✔ 
Skilled Nursing Coinsurance ✔  ✔  ✔  ✔  ✔ 
Part A Deductible ✔ 
✔  ✔  ✔ 
Part B Deductible ✔  ✔ 
Part B1
Excess
✔  ✔  ✔ 
24/7 Nurseline ✔  ✔  ✔  ✔  ✔  ✔ 
Routine Hearing Exam ✔  ✔  ✔  ✔  ✔  ✔ 
Foreign Travel2
Emergency
✔  ✔  ✔  ✔  ✔ 

Eligibility

Medicare Supplement Insurance Plans complement Original Medicare. If you’re eligible for Medicare, you’re also eligible for a Medicare Supplement Insurance Plan.

If you’re at least 65 years old, you are eligible if you are:

  • Enrolled in Medicare Parts A and B, and
  • A resident of Montana.

If you are under 65 and disabled, you are eligible to apply once you have been informed of your eligibility for Medicare by disability.

Enrollment Periods

You can enroll in a Medicare Supplement Insurance Plan during the six-month open enrollment period that starts once you’re 65 and have Medicare Part B. This six-month open enrollment period is the best time to enroll because it’s the only time when enrollment is guaranteed. If you want a Medicare Supplement Insurance Plan after the open enrollment period, you may have to meet certain requirements and could pay more for the plan.

Guaranteed Eligibility

As long as you are 65 or older, have Medicare Part A and are within the six months following your enrollment for Medicare Part B, your acceptance is guaranteed. If you are under 65, have Medicare Part A and are enrolled in Medicare Part B, your acceptance is guaranteed within six months of your Part B effective date or another qualifying event. If you are on Medicare under age 65, you will also have a six-month open enrollment period when you reach age 65. If you are turning age 65, were previously enrolled in Medicare Parts A and B, and apply within six months of turning 65, your acceptance is guaranteed. 

Help Me Choose A Plan

Not sure what you need? Answer a few questions to help you decide. Get started

Now that you’ve picked a plan, it’s time to enroll.

Useful Tools

Rates as of 04/01/2021. Rates are illustrative only. Actual rates are based on your ages, where you live, and your choice of coverage. Please do not send money, you cannot obtain coverage under the above plans until an application is completed and approved. Benefit exclusions and limitations might apply.

Important Information about Quotes for Medicare Supplement Insurance Plans

Quoted prices are based on the criteria specified during your search. This illustration is subject to Blue Cross and Blue Shield of Montana's rating or underwriting and approval, as appropriate, and does not guarantee rates, coverage or effective date. Furthermore, rates are subject to change if any of the information you have provided changes when and if a policy is approved. In addition, Blue Cross and Blue Shield of Montana reserves the right to change rates from time to time. 

  1. Not to exceed any change limitation established by the Medicare program or state law.
  2. Plans cover medically necessary emergency care services needed immediately because of an injury or illness of sudden and unexpected onset, beginning during the first 60 days of each trip outside the USA. There is a deductible of $250 and a lifetime maximum benefit of $50,000.
  3. Plan F also has an option called a high-deductible Plan F. this high-deductible plan pays the same or offers the same benefits as Plan F after one has paid a calendar year $2,370 deductible. Benefits from high-deductible Plan F will not begin until out-of-pocket expenses are $2,370. Out-of-pocket expenses for this deductible are expenses that would ordinarily be paid by the policy. These expenses include the Medicare deductibles for Part A and Part B, but do not include the plan’s separate foreign travel emergency deductible.
  4. Plan N requires a copayment of up to $20 for office visits and a copayment of up to $50 for ER.

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