406 Insurance · Hamilton, Montana
Medicare Supplements
Coverage that sits beside Original Medicare and helps with costs it leaves behind.
Who this is for
The people we usually see for this
Someone new to Medicare or retiring who wants to understand Original Medicare and where a Supplement fits.
It often suits people who value predictable costs, or who split time between the Bitterroot and somewhere else and want access to care wherever Medicare is accepted.
What people get wrong
Plan letters are standardized, so people assume every Plan G is identical. The carrier, the premium, how rates have moved over time and the service you get can all differ.
A Supplement also leaves out prescription drugs, so Part D is its own decision. Dental, vision and hearing aren't included either.
Before you call
What people worry about
Three things come up almost every time.
Can I switch to a different company
It depends on your circumstances and on the rules that apply in Montana, so it's worth talking through before you apply anywhere.
Will they ask about my health
Timing and your current coverage usually decide that, and the answer often determines whether changing is possible at all.
Does my plan still make sense
The letter on your plan is standardized. The company, its premium and its rate history can differ widely.
Our work
Where we come in
We explain how it works and what your choices are. We won't push you to switch, and sometimes keeping what you have is the right call.
We also look at the full picture, including your Part D plan and any gaps you want to close.
What working together actually looks like
We start with your current coverage and whatever made you pick up the phone: your Supplement, your premium, your drug plan, and what matters to you now.
Then we go through Plans G, N, F and High Deductible G, the carriers available in Montana, their rates, and the underwriting rules that may apply. You decide from there.
Carriers we compare
Questions about this coverage
What people ask most often about this one, answered the way we would answer on the phone.
Medicare Advantage and Medicare Supplement, also called Medigap, are two different ways to manage your Medicare coverage and your out of pocket costs.
Which one fits depends on your healthcare needs, your providers, your prescriptions, your budget and your own preference. We lead with education so you understand the differences and the options available in your state and county.
No. 406 Insurance is an independent, licensed insurance agency. Our agents maintain the required licenses and complete annual carrier and Medicare certifications.
We are not affiliated with or endorsed by Medicare, CMS, the Social Security Administration or any government agency.
Provider networks are an important part of choosing health insurance. Depending on the plan you may have an HMO, a PPO or another type of network, and the rules for getting care outside that network can vary a great deal.
If keeping your current doctors, specialists, hospitals or care team matters to you, we make provider access part of the coverage review. We research the available plan networks and explain the differences between HMO and PPO options so you can make an informed decision.
Provider participation can change, so we also recommend confirming network status directly with your providers and your insurance carrier.
You might also want to look at
People who buy their own health coverage often end up asking about these.
For people on Original Medicare, often with a Supplement, who need separate drug coverage.
Coverage that pays an agreed amount directly to you after a covered diagnosis, so you can put your energy into getting well.
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Accident, critical illness and hospital coverage that pays you directly when a health event hits your finances too.
Still deciding whether this is right for you?
That is the conversation, not the paperwork. Tell us what you have now and what you are trying to protect, and we will walk through whether this fits.
