Supplemental Insurance

Medicare Advantage Plans – Part C –combines Part A and Part B as a replacement to Medicare for more comprehensive health care coverage
1. Blue Cross Blue Shield
2. Humana

Prescription Drug Plans – Part D 
1. Silverscript
2. Blue Cross Blue Shield
3. Humana

Medicare Supplement Plans 
These plans supplement Medicare part A and part B.
1. Manhattan Life Insurance Company
2. Blue Cross Blue Shield
3. Transamerica
4. Humana
5. Combined 

What is Medicare?

Medicare is health insurance for seniors, in which the government pays health care providers directly for services that fall under Parts A and B of Medicare benefits (see below). However, if you are looking for more coverage than Original Medicare, you can purchase one of our Medicare Supplement or Medicare Advantage Plans to receive all your Part A and Part B benefits.¹

Medicare is divided into four categories. This allows you to customize your personal coverage when shopping for a comprehensive policy.

• Part A (hospital insurance): Covers hospital care, emergency services, nursing home care, home health services and hospice.
• Part B (medical insurance): Covers medically necessary services and supplies used for diagnosing and treating medical conditions, and preventative services for illness prevention and/or early detection. Examples include ambulance services, mental health care, outpatient procedures and clinical research.
• Part C: Combines Parts A and B and often part D as well.
• Part D: Offers prescription drug coverage.

What Medicare options are available?

Original Medicare offers coverage for services and supplies that are considered to be medically necessary, such as doctor visits, lab tests and wheelchairs. There are several alternative plans you can choose from for additional coverage, and each plan must offer at least the same coverage as Original Medicare. There are two Medicare plans that we can assist you with.

1. A Medicare Advantage Plan, also known as Part C, combines Part A and Part B as a replacement to Medicare for more comprehensive health care coverage. This plan can be customized with additional coverage, such as a prescription drug program (Part D), vision and dental.
2. A Medicare Supplemental Plan, also known as Medigap, has a higher premium but supplements the coverage gaps and deductibles that Part A and Part B leave behind.

Why do you need Medicare?

Seniors are in the most need of health care, but once retired monthly premiums can become hard to maintain. Enrolling in the Medicare program allows you to get the care you need for a minimal charge.

Contact us today to learn more about coverage options. We are happy to work with you to determine which Medicare options works best for you.

1 – This is not a complete listing of plans available in your service area. For a complete listing please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov.

Medicare has neither reviewed nor endorsed this information.

Health Insurance

HEALTH INSURANCE – Obamacare and Alternative Plans – CALL 406-570-5830

We offer ALL three Affordable Care Act approved companies available in Montana. If you are a business owner in Bozeman, MT, or an individual looking for health insurance, give us a call. We will work with you to find the best health insurance for you and your family. We off a free, no obligation health insurance quote.

Three companies available in Montana are
1.Blue Cross Blue Shield
2.Pacific Source
3.Montana Health Co-op

We understand how frustrating Obamacare can be which is why we are here to help. There are two options when applying for health insurance.
1. Apply on the marketplace to obtain a subside and choose from the three providers in Montana
2. Apply directly with the company to obtain ACA approved coverage. This option does not allow you to have a subside but allows you to avoid the marketplace.

We assist with both options to offer an easy and stress free application process.

Alternative Plan that is ACA approved.
1. AlieraHealthCare offers an alternative to health insurance that is ACA approved.

What is ‘long-term care’?
Because of old age, mental or physical illness, or injury, some people find themselves in need of help with eating, bathing, dressing, toileting or continence, and/or transferring (e.g., getting out of a chair or out of bed). These six actions are called Activities of Daily Living–sometimes referred to as ADLs. In general, if you can’t do two or more of these activities, or if you have a cognitive impairment, you are said to need “long-term care.”

Long-term care isn’t a very helpful name for this type of situation because, for one thing, it might not last for a long time. Some people who need ADL services might need them only for a few months or less.

Many people think that long-term care is provided exclusively in a nursing home. It can be, but it can also be provided in an adult day care center, an assisted living facility, or at home.

Assistance with ADLs, called “custodial care,” may be provided in the same place as (and therefore is sometimes confused with) “skilled care.” Skilled care means medical, nursing, or rehabilitative services, including help taking medicine, undergoing testing (e.g. blood pressure), or other similar services. This distinction is important because generally Medicare and most private health insurance pays only for skilled care–not custodial care.

What are the types of disability insurance?
There are two types of disability policies: Short-Term Disability (STD) and Long-Term Disability (LTD):

1. Short-Term Disability policies (STD) have a waiting period of 0 to 14 days with a maximum benefit period of no longer than two years.
2. Long-Term Disability policies (LTD) have a waiting period of several weeks to several months with a maximum benefit period ranging from a few years to the rest of your life.

Disability policies have two different protection features that are important to understand.

1. Non-cancelable means the policy cannot be canceled by the insurance company, except for nonpayment of premiums. This gives you the right to renew the policy every year without an increase in the premium or a reduction in benefits.
2. Guaranteed renewable gives you the right to renew the policy with the same benefits and not have the policy canceled by the company. However, your insurer has the right to increase your premiums as long as it does so for all other policyholders in the same rating class as you.

In addition to the traditional disability policies, there are several options you should consider when purchasing a policy:

• Additional purchase options
  Your insurance company gives you the right to buy additional insurance at a later time for an additional cost.
• Coordination of benefits
  The amount of benefits you receive from your insurance company is dependent on other benefits you receive because of your disability. Your policy specifies a target amount you will receive from all the policies combined, so this policy will make up the difference not paid by other policies.
• Cost of living adjustment (COLA)
  The COLA increases your disability benefits over time based on the increased cost of living measured by the Consumer Price Index. You will pay a higher premium if you select the COLA.
• Residual or partial disability rider
  This provision allows you to return to work part-time, collect part of your salary and receive a partial disability payment if you are still partially disabled.
• Return of premium
  This provision requires the insurance company to refund part of your premium if no claims are made for a specific period of time declared in the policy.
• Waiver of premium provision
  This clause means that you do not have to pay premiums on the policy after you’re disabled for 90 days.

1 – Source : MANAGED CARE AND THE STATES

Auto & Home Insurance

Auto and homeowners insurance are among the most important coverages to have. Both coverages can protect you financially against costs such as vandalism and injury-related medical expenses. Selecting homeowners and auto insurance policies can be complex and confusing. Our agency can help you learn more about both coverages so you can decide on the right coverage for your home and car.

What Do Auto Insurance Policies Cover?

Coverages vary depending on factors such as driving history and car model, but a standard auto insurance policy might include the following:

• Liability insurance helps insure against claims arising from damage or injuries you cause to others if you are at fault in a wreck.
• Bodily injury liability coverage helps cover their medical bills (and sometimes, deaths).
• Property damage liability helps pay for damage to the other driver’s property, such as their car.
• Collision insurance helps cover damage to your vehicle after a wreck.
• Comprehensive insurance helps pay for non-accident mishaps, such as weather damage.
• Medical payments (MedPay) coverage helps pay for your medical bills and those of your passengers if injuries are sustained in an accident.
• Personal injury protection (PIP) coverage helps pay for your medical bills and lost wages caused by an accident. This coverage is only available in certain states; check with your agent to see if it’s offered where you live.
• Uninsured/underinsured Insurance helps insure against damage caused by someone else who doesn’t have adequate liability coverage.

What Do Homeowners Insurance Policies Cover?

Some of the most common homeowners insurance coverages include the following:

• Dwelling coverage helps cover repairing or rebuilding damage to the house’s structure.
• Other structures coverage assists in covering other buildings on the property, such as a shed or gazebo.
• Liability coverage helps cover injury or damage to others or their property if the policyholder is held responsible.
• Contents or personal property coverage helps cover clothes, furniture, electronics and other items in the home if they’re damaged or lost due to a covered cause.
• Loss of use coverage assists with living expenses in a covered loss, such as temporary housing after a house fire.

Other coverages may be available. Contact our agency to learn more about potential coverage options and the possibility of bundling your homeowners and auto insurance policies.

How to Get Auto and Homeowners Insurance

Montana Insurance Solutions can help you learn more about auto and homeowners insurance. Contact us today to request a quote designed to fit your needs.

Condominium Insurance

Condominium insurance, also known as HO-6, is essential for all condo owners. A standard HO-6 policy covers what a condo association’s master policy won’t, including financial protection from damaged or lost personal belongings and injuries that occur inside your condo. Our agency can help you evaluate your coverage options to determine the right policy for you and your condo. Contact us today to learn more.

Condo Insurance Coverages

Coverages vary among condo owners, but a general HO-6 policy might include:

• Dwelling coverage, which helps cover any damage that occurs to the interior of your condo, including expenses related to weather damage such as hurricanes and fires
• Personal property coverage, which generally assists in covering expenses related to damaged or lost personal belongings, including clothing and furniture, that you keep inside your condo
• Personal liability coverage, which can assist in covering medical bills or legal expenses if someone gets injured inside your condo
• Additional living expenses, which covers living expenses, such as a hotel room, if damage occurs to your condo and you cannot live there while it’s being repaired or rebuilt

Although these coverages are common in most HO-6 policies, there might be additional options. You may also need to secure additional lines of coverage, such as flood insurance or personal umbrella insurance. Reach out to our agency today to learn more about coverages to include in your policy.

How to Get Condo Insurance

Montana Insurance Solutions can assist you in learning more about HO-6 policy options. For more information, contact us today to request a quote.

Recreational Vehicle Insurance

If you have any type of recreational vehicle, including a motorcycle, RV, boat, or off-road vehicle (e.g., all-terrain vehicle (ATC) or snowmobile), you’ll need to secure additional insurance to properly protect your investment. Determining what and how much coverage you need can be tricky, but that’s why we’re here to help. Contact us today to get started.

What Is Recreational Vehicle Insurance?

Recreational vehicle insurance is a general term that refers to a variety of policies used to insure vehicles such as boats, motorcycles, RVs, ATVs and travel trailers. Each policy provides unique coverage. Talk to your agent today to discuss specific coverage you may need for your recreational vehicle.

What Does Recreational Vehicle Insurance Cover?

Recreational vehicle insurance helps provide a layer of protection against liability and property damages. Recreational vehicle insurance varies based on the type of vehicle you have. Talk to your agent to learn more about targeted coverage for:

• Boat and watercraft
• Off-road vehicles (e.g., ATVs, golf carts, and snowmobiles)
• Campers
• Coaches
• Motor homes
• Travel trailers

Is Recreational Vehicle Insurance Required?

Depending on the type of recreational vehicle you own and where you live, you may be legally required to obtain insurance for your vehicle. For example, most RV and motorcycle owners must secure at least the minimum auto insurance required of all drivers in their state of residence.

How to Get Recreational Vehicle Insurance

If you’re in need of a recreational vehicle insurance policy, we’re here to help. Contact Montana Insurance Solutions today to learn more or receive a free quote.