Medicare Assistance

Turning 65?

There are some important decisions you have to make about Medicare.

Missoula Aging Services offers a New to Medicare Workshop where new beneficiaries can learn about the opportunities and pitfalls they face. Find out more and register by clicking the button here!

New to Medicare

Medicare Basics

Medicare is government-supported health insurance. Most adults aged 65 and older, as well as people who receive Social Security Disability Insurance (SSDI), and people living with End-Stage Renal Disease qualify for Medicare.

To get started with Medicare, sign up for Medicare Parts A and B online at SocialSecurity.gov

Medicare Part A covers hospital stays, rehabilitation in a skilled nursing facility or at home, and hospice. Most people pay no premium for Medicare Part A.

Medicare Part B covers outpatient medical costs like doctor visits, durable medical equipment, and diabetes supplies. For most people, Medicare Part B does charge a monthly premium.

People who are covered by a large employer sometimes choose to delay Medicare Part A or Part B. Not sure about the right decision for you? Come to the New to Medicare Workshop!

Additional Medicare Coverage

Medicare Parts A and B leave you responsible for deductibles, coinsurance, and copays, and there is no out-of-pocket maximum for your costs. For that reason, many Medicare beneficiaries get additional coverage:

Low-income Montanans can get help with premiums, deductibles, and copays by applying for the Medicare Savings Program at https://apply.mt.gov/.

Medicare Supplements (also called Medigaps) are health insurance policies that pay after Medicare. Find out how to shop and sign up for Medicare Supplements at the Montana Commission on Securities and Insurance's website: csimt.gov/your-insurance/medicare/.

Medicare Advantage Plans (also called Medicare Part C) cap your out-of-pocket costs, but limit the providers you can see. Find more information and shop for plans at www.medicare.gov/find-a-plan and use our Cheat Sheet to find the best plan.

Medicare Part D

Medicare Part D covers prescription drugs. This coverage is offered through private insurance companies, and which plan you choose can make a big difference. Just like Medicare Advantage plans, shop for plans at www.medicare.gov/find-a-plan and use our Cheat Sheet to find the best plan.

Many Medicare beneficiaries can get a Medicare Part D Plan for free or for a very low premium with Big Sky Rx or Extra Help with Medicare. Click the links to apply.

Paying for Long-Term Care

Medicare does not pay for long-term care.

Find out how to shop for Long-Term Care Insurance at http://csimt.gov/your-insurance/long-term-care/.

When the cost of long-term care exceeds what someone can afford, Medicaid can help. Apply online or find out more.

The Resource Center at Missoula Aging Services is here to help. Call us at (406)728-7682 or email us

  • "I do not know of any other agency in Missoula that provides such a comprehensive array of services. I am so grateful for this valuable community organization."
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  • Appropriate supportive services can help older adults remain independent and in their own homes.

    Appropriate supportive services can help older adults remain independent and in their own homes.

  • Missoula Aging Services' trained specialists provide information and assistance to seniors and their caregivers on a variety of topics including long-term care, estate planning, Medicare and Medicaid.

    Missoula Aging Services' trained specialists provide information and assistance to seniors and their caregivers on a variety of topics including long-term care, estate planning, Medicare and Medicaid.

  • The Resource Center has many free brochures, as well as a comprehensive lending library of books, DVDs and CDs about specific topics.

    The Resource Center has many free brochures, as well as a comprehensive lending library of books, DVDs and CDs about specific topics.

  • Discover, record and communicate what is important to you!

    Discover, record and communicate what is important to you!