Montana Medicare Part D Plans

Complete list of 2014 Medicare part D Plans in MontanaMontana Medicare Part D

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 for a reason!

Another reason you should choose one of the 29 Medicare Part D Plans available in Montana for 2014 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 variables to consider.

The following list of Part D lans available in Montana 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.

 

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Montana Medicare Part D for 2014


Aetna Medicare

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
Aetna CVS/pharmacy Prescription Drug Plan (PDP)Basic $31.40 $310.00No Gap CoverageComing Soon
Aetna Medicare Rx Premier (PDP)Enhanced $140.60 $0Few GenericsComing Soon



Blue Cross and Blue Shield of Montana

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
MedicareBlue Rx Premier (PDP)Enhanced $106.30 $0Many GenericsComing Soon
MedicareBlue Rx Standard (PDP)Basic $41.90 $160.00No Gap CoverageComing Soon



Cigna Medicare Rx

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
Cigna Medicare Rx Secure (PDP)Basic $31.80 $310.00No Gap CoverageComing Soon
Cigna Medicare Rx Secure-Max (PDP)Enhanced $117.90 $0Many Generics, Some BrandsComing Soon
Cigna Medicare Rx Secure-Xtra (PDP)Enhanced $70.10 $0No Gap CoverageComing Soon



Cigna-HealthSpring

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
Cigna-HealthSpring Rx -Reg 25 (PDP)Basic $50.00 $310.00No Gap CoverageComing Soon



EnvisionRx Plus

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
EnvisionRxPlus Silver (PDP)Basic $33.40 $310.00No Gap CoverageComing Soon




Express Scripts Medicare

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
Express Scripts Medicare – Choice (PDP)Enhanced $70.60 $0No Gap CoverageComing Soon
Express Scripts Medicare – Value (PDP)Basic $41.70 $310.00No Gap CoverageComing Soon



First Health Part D

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
First Health Part D Essentials (PDP)Basic $50.50 $310.00No Gap CoverageComing Soon
First Health Part D Premier Plus (PDP)Enhanced $105.20 $0Some Generics, Some BrandsComing Soon
First Health Part D Value Plus (PDP)Enhanced $39.90 $0No Gap CoverageComing Soon



HealthMarkets Medicare

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
HealthMarkets Value Rx (PDP)Basic $30.70 $310.00No Gap CoverageComing Soon



Humana Insurance Company

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
Humana Enhanced (PDP)Enhanced $43.40 $0Few BrandsComing Soon
Humana Preferred Rx Plan (PDP)Basic $22.80 $310.00No Gap CoverageComing Soon
Humana Walmart Rx Plan (PDP)Enhanced $12.60 $310.00No Gap CoverageComing Soon



Stonebridge Life Insurance Company

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
Transamerica MedicareRx Choice (PDP)Enhanced $55.70 $0No Gap CoverageComing Soon
Transamerica MedicareRx Classic (PDP)Basic $48.30 $310.00No Gap CoverageComing Soon



Symphonix Health

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
Symphonix Value Rx (PDP)Basic $30.30 $310.00No Gap CoverageComing Soon



UniCare

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
MedicareRx Rewards Standard (PDP)Basic $59.30 $310.00No Gap CoverageComing Soon



United American Insurance Company

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
United American – Enhanced (PDP)Enhanced $72.40 $20.00No Gap CoverageComing Soon
United American – Select (PDP)Basic $42.60 $310.00No Gap CoverageComing Soon



United Healthcare

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
AARP MedicareRx Enhanced (PDP)Enhanced $105.10 $0Some Generics, Some BrandsComing Soon
AARP MedicareRx Preferred (PDP)Enhanced $46.40 $0No Gap CoverageComing Soon
AARP MedicareRx Saver Plus (PDP)Basic $26.90 $310.00No Gap CoverageComing Soon



WellCare

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
WellCare Classic (PDP)Basic $23.00 $0No Gap CoverageComing Soon
WellCare Extra (PDP)Enhanced $56.20 $0No Gap CoverageComing Soon



 

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 Part D 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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