We now have the individual and group insurance open enrollment which started November 1 and goes until December 15 with an effective date of January 1, 2021. I have a tab for Mountain Health Coop on my site where you can go in and see what your rates will be with the coverage you choose. I hope that is helpful. Please call me if you want to sign up.
The Medicare Annual Enrollment Period is in full swing and will end on December 7, 2020, with an effective date of January 1, 2021. If you have a Medicare Advantage Plan like BC of MT or Humana and would like to switch to a Medicare Supplement plan this is the time to do it. If you are a Veteran and would like a Medicare Advantage Plan C (without drug prescription) this is the time to sign up and I am here to help you. Remember also, you can pick up a dental plan anytime during the year but if you don’t have one…it is best to pick up a plan before you head to the dentist. Please see the tab on Spirit Dental as they have next day coverage. Short-term coverage with GTL is also available anytime during the year but please don’t wait. You need insurance before something happens not after the fact.
I am posting this link for those who would like to contact a doctor for HCQ.
Please click on this link to review 8 reasons to have dental coverage from Spirit Dental. There is no network to this plan which means all dental offices can bill for reimbursement. Next day coverage, but that isn’t 100%. Please read the brochure.
So if you have a Medicare Advantage Plan, either Part C & D or just Part D (prescription drugs) this is called Annual Enrollment Period and it’s the time when you can shop around and see if you can lower your premium. The effective date will kick in on January 1, 2021. Every year there are a lot of changes including new companies coming into the Medicare arena. If you need help shopping or have questions to ask, call me. I am happy to help you at no charge.
Here is the Spirit Dental brochure for Montana. If you want to call them direct to get information their number is 800-620-5010 CST. Let them know you heard of them from me, Holly Clark as I am appointed by them and they will give me credit. The sign up process is easy. I’ve done myself.
Did you know that 74 million Americans do not have dental insurance? I am appointed by Direct Dental owned by Ameritas. The plan in Montana that is available is called Spirit Dental. I have a plan through them myself. Here is the Montana brochure (if you call 800-620-5010, be sure and tell them you found out about them through my website and give them my name Holly Clark. I will get credit when they help you sign up):
In 10 days, the Annual Enrollment Period begins for Medicare clients. During this time until December 7th, folks who are on Medicare Advantage Plans or Supplements can change their plan. It will become effective on January 1, 2021. Medicare Advantage Plans are relative to the county you live in so it is important to due to your homework and make sure your plan, doctor, and hospital have not changed. Medicare Supplements or “gap” Plans are tied to the state you live in. If your premium has gone up and you are able to answer all the health questions with a “No” you can find another Medicare Supplement with a lower premium that is equal to the plan your on or less. One important thing to remember is if you move out of your county, you may need to shop for another Medicare product. You have 60 days to make this change. If you have a Medicare Supplement Plan you won’t have to because it is usable in all 50 states. I moved from OR to MT and shopped to see if premiums were lower and they were. I was healthy and could answer all the health questions with “No” and I saved over $50 a month by changing insurance companies but staying with Plan G. Make sure you are 100% covered. Medicare Part A & B are 80% coverage. If you have any questions about what I’ve written please call me. 406-293-2285.
Hello. I have added two more pages to my site and I hope you go in and take a look. One is for Spirit Dental/Vision and you can get a free quote. The reason I picked this company, as there are many stand-alone dental plans, is because -No Waiting Periods for all services-Three cleanings per year covered-$100 Lifetime deductible-Add vision coverage for $7/month! Most stand-alone dental plans have a waiting period and this one does not. That is very important. I recommend calling your dentist and asking them if they take Direct Dental insurance. Spirit Dental is available in MT. The other page I created is GTL. For more than 80 years, Guarantee Trust Life Insurance Company (GTL) has been a company our Policyholders can count on. We’re committed to the values of integrity, innovation, and personal service. Go into the page and watch the videos to see which one of their policies is right for you. They have reasonable premiums and in some cases, like Short Term Care, the prescription drugs can offset the cost of picking this plan.