Medicare Insurance in Havre, MT & Gildford, MT
In addition to the end of summer, the arrival of fall signifies the start of open enrollment. As the leaves change, take time to consider any changes that should be made to your existing healthcare plans, including Medicare.
At Duchscher Kapperud Insurance, LLC, we understand the confusion surrounding the different types of health insurance. For those 65 years old and older, we are knowledgeable about the intricacies of Medicare, and can help clients make the right decision regarding coverage. We often match individuals in Havre, Gildford, Chinook and the surrounding areas with the right plans for them.
When is Open Enrollment?
The formal enrollment period for Medicare begins October 15 and lasts until December 7. Open enrollment is the time to make changes to your existing plan, or the time to consider Medicare Advantage and Part D coverage. The Medicare coverage you select during open enrollment will go into effect in the new year.
Breaking Down Original Medicare, Part D, and Medicare Advantage
Administered by the federal government. "Original Medicare" is made up of Part A (hospital insurance) and Part B (medical insurance). Those with Original Medicare may opt to add additional prescription drug coverage (Part D).
Prescription drug coverage, or Part D, is provided by private insurance companies and is considered supplemental to Original Medicare. There are many different drug plans to choose from, and each has its own list of covered prescriptions (also known as a formulary). Drug plans place drugs into "tiers" that determine how much you will pay.
Medicare Advantage or Part C
Medicare beneficiaries may also choose Plan C or Medicare Advantage. Offered by private insurance companies, a Medicare Advantage plan combines the benefits of Parts A, B and often Part D into one health plan. It may also offer additional benefits such as dental and vision coverage.
Knowledgeable Agents Available to Review Medicare Options
Our team is always willing to explain the different Medicare options. Whether making a switch or enrolling for the first time, let us guide you through the process. Please request a quote or contact us to get started.