Montana Medicare Part D Plans
Do you need to enroll in a Part D plan in Montana?
Enrolling in a Medicare Part D plan is optional but is highly recommended even if you are not currently taking medications. Just because you are not currently required to take any prescription drugs is not enough of a reason to justify not making a small investment. After all, it’s called insurance fro a reason!
Another reason you should choose one of the 37 Part D plans available in Montana is to avoid having a late enrollment penalty should you decide to enroll later on. To avoid having a late enrollment penalty be sure to enroll during your initial open enrollment period when you turn 65 and are enrolled in Part B.
Choosing a plan will require a comparison of plan features beyond just looking at monthly premium. With different premiums, deductibles and out of pocket expenses when filling a prescription, Part D has a lot of moving parts.
The following list of all 37 Part D plans available in Montana for 2012 is a good place to start, but you should dig a little deeper and research the plan’s formulary to be certain that all your medicines are covered. Joining a plan without having all your drugs covered can be a costly affair.
Compare Quotes for Medicare Advantage in Montana
Montana Part D
Sterling Life Insurance Company
| Medicare Part D Plan Name | Benefit Type | Premium | Deductible | Gap Coverage | Star Rating |
|---|---|---|---|---|---|
| Windsor Rx (PDP) | Basic | $33.00 | $320 | No Gap Coverage | 3 |
SilverScript Insurance Company
| Medicare Part D Plan Name | Benefit Type | Premium | Deductible | Gap Coverage | Star Rating |
|---|---|---|---|---|---|
| CVS Caremark Value (PDP) | Basic | $35.50 | $320 | No Gap Coverage | 3 |
| CVS Caremark Plus (PDP) | Enhanced | $78.60 | $0 | No Gap Coverage | 3 |
CIGNA Medicare Rx
| Medicare Part D Plan Name | Benefit Type | Premium | Deductible | Gap Coverage | Star Rating |
|---|---|---|---|---|---|
| CIGNA Medicare Rx Plan One (PDP) | Basic | $35.40 | $320 | No Gap Coverage | 2.5 |
| CIGNA Medicare Rx Plan Two (PDP) | Enhanced | $69.40 | $0 | Few Generics | 2.5 |
Medco Medicare Prescription Plan
| Medicare Part D Plan Name | Benefit Type | Premium | Deductible | Gap Coverage | Star Rating |
|---|---|---|---|---|---|
| Medco Medicare Prescription Plan – Value (PDP) | Basic | $36.90 | $320 | No Gap Coverage | 4 |
| Medco Medicare Prescription Plan – Choice (PDP) | Enhanced | $97.80 | $150 | Many Generics | 4 |
First Health Part D
| Medicare Part D Plan Name | Benefit Type | Premium | Deductible | Gap Coverage | Star Rating |
|---|---|---|---|---|---|
| First Health Part D Premier Plus (PDP) | Enhanced | $100.90 | $0 | Some Generics and Some Brands | 3 |
Health Net
| Medicare Part D Plan Name | Benefit Type | Premium | Deductible | Gap Coverage | Star Rating |
|---|---|---|---|---|---|
| Health Net Value Orange Option 2 (PDP) | Enhanced | $75.30 | $0 | No Gap Coverage | 3 |
| Health Net Orange Option 1 (PDP) | Basic | $50.60 | $320 | No Gap Coverage | 3 |
Blue Cross and Blue Shield of Montana
| Medicare Part D Plan Name | Benefit Type | Premium | Deductible | Gap Coverage | Star Rating |
|---|---|---|---|---|---|
| MedicareBlue Rx Standard (PDP) | Basic | $39.70 | $160 | No Gap Coverage | 5 |
| MedicareBlue Rx Premier (PDP) | Enhanced | $104.60 | $0 | All Generics | 5 |
United American Insurance Company
| Medicare Part D Plan Name | Benefit Type | Premium | Deductible | Gap Coverage | Star Rating |
|---|---|---|---|---|---|
| United American – Preferred (PDP) | Enhanced | $56.30 | $40 | No Gap Coverage | 2.5 |
| United American – Select (PDP) | Basic | $38.70 | $320 | No Gap Coverage | 2.5 |
First Health Part D
| Medicare Part D Plan Name | Benefit Type | Premium | Deductible | Gap Coverage | Star Rating |
|---|---|---|---|---|---|
| First Health Part D Premier (PDP) | Basic | $30.40 | $250 | No Gap Coverage | 2.5 |
| First Health Part D Value Plus (PDP) | Enhanced | $25.10 | $0 | No Gap Coverage | 2.5 |
| First Health Part D Premier Plus (PDP) | Enhanced | $100.90 | $0 | Some Generics and Some Brands | 3 |
Community CCRx PDP
| Medicare Part D Plan Name | Benefit Type | Premium | Deductible | Gap Coverage | Star Rating |
|---|---|---|---|---|---|
| Community CCRx Basic (PDP) | Basic | $34.80 | $320 | No Gap Coverage | 3 |
| Community CCRx Choice (PDP) | Enhanced | $87.60 | $0 | No Gap Coverage | 3 |
Aetna Medicare
| Medicare Part D Plan Name | Benefit Type | Premium | Deductible | Gap Coverage | Star Rating |
|---|---|---|---|---|---|
| Aetna CVS/pharmacy Prescription Drug Plan (PDP) | Basic | $26.00 | $320 | No Gap Coverage | 2.5 |
| Aetna Medicare Rx Premier (PDP) | Enhanced | $75.50 | $0 | Many Generics | 2.5 |
UnitedHealthCare
| Medicare Part D Plan Name | Benefit Type | Premium | Deductible | Gap Coverage | Star Rating |
|---|---|---|---|---|---|
| AARP MedicareRx Preferred (PDP) | Basic | $41.90 | $0 | No Gap Coverage | 3 |
| AARP MedicareRx Enhanced (PDP) | Enhanced | $91.30 | $0 | Some Generics | 3 |
Humana Insurance Company
| Medicare Part D Plan Name | Benefit Type | Premium | Deductible | Gap Coverage | Star Rating |
|---|---|---|---|---|---|
| Humana Complete (PDP) | Enhanced | $106.50 | $0 | Many Generics and Some Brands | 3 |
| Humana Enhanced (PDP) | Enhanced | $35.40 | $0 | No Gap Coverage | 3 |
| Humana Walmart-Preferred Rx Plan (PDP) | Basic | $15.10 | $320 | No Gap Coverage | 3 |
HealthSpring Prescription Drug Plan
| Medicare Part D Plan Name | Benefit Type | Premium | Deductible | Gap Coverage | Star Rating |
|---|---|---|---|---|---|
| HealthSpring Prescription Drug Plan-Reg 25 (PDP) | Basic | $38.70 | $320 | No Gap Coverage | 2.5 |
UniCare
| Medicare Part D Plan Name | Benefit Type | Premium | Deductible | Gap Coverage | Star Rating |
|---|---|---|---|---|---|
| MedicareRx Rewards Standard (PDP) | Basic | $52.50 | $320 | No Gap Coverage | 2 |
| MedicareRx Rewards Plus (PDP) | Enhanced | $95.10 | $0 | Some Generics | 2 |
WellCare
| Medicare Part D Plan Name | Benefit Type | Premium | Deductible | Gap Coverage | Star Rating |
|---|---|---|---|---|---|
| WellCare Signature (PDP) | Enhanced | $72.00 | $0 | No Gap Coverage | 3.5 |
| WellCare Classic (PDP) | Basic | $39.40 | $320 | No Gap Coverage | 3.5 |
Bravo Health
| Medicare Part D Plan Name | Benefit Type | Premium | Deductible | Gap Coverage | Star Rating |
|---|---|---|---|---|---|
| BravoRx (PDP) | Basic | $39.20 | $320 | No Gap Coverage | 2.5 |
EnvisionRx Plus
| Medicare Part D Plan Name | Benefit Type | Premium | Deductible | Gap Coverage | Star Rating |
|---|---|---|---|---|---|
| EnvisionRxPlus Silver (PDP) | Basic | $35.10 | $320 | No Gap Coverage | 2.5 |
| EnvisionRxPlus Gold (PDP) | Enhanced | $70.80 | $0 | Some Generics | 2.5 |
Part D formulary is the key to choosing the right plan
As you can see from the list above, a Part D plan is considered to either be a basic or enhanced plan. For the most part, the distinction is made by whether or not the formulary includes just the most basic drugs or whether the formulary is expanded to include less common and more expensive medications.
The enhanced formulary includes far more drug choices than the basic, but that doesn’t necessarily mean that is your best choice. For instance, if all your drugs are included in a basic formulary you may want to save some money on monthly premiums and choose a basic plan.
On the other hand, you may be considering one of the enhanced plans available in Montana because of the likelihood of not having a deductible and a greater possibility that you will have some drug coverage in the donut hole.
Weighing cost against the benefits is a big part of choosing a Medicare drug plan. What ever you do, be certain that the plan you choose includes all of your required medications in order to have a better idea of your overall annual costs.
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