Original medicare services are provided by the government of the United States. Along with covering the part A and part B of your medicare, medicare advantage plans also cover part C of your medicare. Medicare Advantage plans are extra beneficial plans which are provided by companies along with your original medicare. In simpler terms, if you already have a part A and part B of your medicare, you can choose to opt for part c of the medicare – medicare advantage plans. Medicare Advantage health plans provide an added advantage to your original medicare. Along with organising your original medicare provided by the government in a more efficient way, the plans also provide dental services, routine vision checks, dentures etc. which are not covered in Part A and Part B of the medicare. Aetna Medicare Advantage plans offered in Montana are discussed below.
- Aetna Choice H5216-086 (PPO)
With an overall rating of 4, the plan is offered at a monthly premium of $0. The annual deductible for the plan is $0, along with a maximum out of pocket expense of $6700. While visiting your primary doctor you have to pay a copay of $10 and a copay of $45 for a specialist. The plan does not cover your prescription drugs. The plan provides emergency services, urgently needed services, ambulance services, therapeutic radiology services, cardiac and pulmonary rehabilitation services, occupational therapy services, as well as speech therapy services. The plan also covers up to 100 days of Skilled Nursing Facility.
- Aetna Gold Plus H6622-007 (HMO)
With an overall rating of 4, the plan is offered at a monthly premium of $44. This plan has no annual deductible, and an out of pocket maximum of $4900. While visiting a primary care doctor you have to pay a copay of $0 and for a specialist a copay of $60. The plan covers prescription drug services as well and has a deductible of $325. The deductible is applicable to the non-preferred drug or specialty tier. For generic or brand name drugs you have to pay a coinsurance of 25%. It provides Medicare-covered dental benefits, eye exams glaucoma screening, or hearing exams. Along with this it also provides various fitness benefits absolutely free of cost and covers your chiropractic services as well.
- Aetna Choice H5216-089 (PPO)
With an overall rating of 4, the plan is offered at a monthly premium of $68. The plan does not have an annual deductible, and a maximum out of pocket expense of $6700. While visiting your healthcare provider you have to pay a copay of $15 and for a specialist, a copay of $45. The plan also covers your prescription needs and provides a deductible of $350, applicable to the non-preferred drug and specialty tier. For generic and brand name drugs, you have to pay a coinsurance of 25%. The plan also covers outpatient lab services, diagnostics, therapeutic radiology services, occupational therapy services, physical therapy, as well as language and speech therapy. You can also avail home care and preventive care services at a $0 copay.
- Aetna Gold Plus SNP-DE H6622-008 (HMO D-SNP)
With an overall rating of 4 stars, this plan is offered at a monthly premium of $0. This gold plus plan is Special needs Plan which is specially added for people with particular chronic diseases. Not everybody is allowed to enrol in such plans. If you have a chronic disease like heart failure or end-stage renal disease, you can enrol in this plan. The special needs plan is specifically designed to cater to your needs depending on your particular situation. You have to pay a $0 copay while visiting your primary or specialty doctor. The plan also covers in-hospital stay and several chiropractic services as well. Along with covering the transportation costs, dental services, vision services, hearing services, over-the-counter benefits and fitness benefits are also covered in this plan. The plan also covers all of your prescription drug cost as well, provided you use the in-network pharmacies. The plan also provides preventive and home health care services at $0 copay.