Services for Seniors

Supplemental Medicare InsurancePrescription Drug InsuranceLong Term Care InsuranceRetire to Montana

Supplemental Medicare Insurance

At age 65, you are entitled to health coverage under Medicare.

  • Part A Medicare covers hospitalization expenses (under Social Security)
    • After your deductible of $1,132, then completely for the first 60 days.
    • All but $283/day (your cost) for days 21 through 90.
    • All but $566/day (your cost) for days 91 through 150.
    • Nothing thereafter.
    • Blood –  After three pints at your expense.
  • Part B Medicare covers 80% of medical costs and requires nominal premium cost.
    • After your annual deductible of $162 AND
    • Your co-pay of $20/visit AND
    • Other co-payment costs

Medicare does NOT pay for Prescription Drug Costs unless the patient is under Hospice Care, and then only with a co-pay of $5 per prescription for pain and symptom management.

Medicare Part A provides Skilled Nursing Facility Care for the first 20 days. From days 21 through 100, it pays for Skilled Nursing Care after your daily cost of $141.50. After day 100, Medicare pays nothing.

Medicare Part B does not pay for medical costs exceeding the scheduled approved amounts.

Medicare does not pay for Emergency Care Received outside of the U.S.

You can’t afford to be without Supplemental Medicare Insurance.

The plans offered by most companies are Plans A, B, F, G, M & N. Other plans are discontinued. Each plan has different features, AS REFLECTED IN THESE QUESTIONS:

  • Do you want coverage for the Part A deductible of $1132 or would 50% coverage suffice? (M)
  • Do you want to pay the $162 annual deductible/year under Part B – to keep the cost down? (If yes, choose plans other than Plan F)
  • How often do you visit the doctor each year? Do you want to pay $20 per appointment for doctor’s visits? – to keep the premium cost lower? (Plan N may be your choice)
  • Do you want Skilled Nursing coinsurance for days 21 – 100? – or do you have other coverage for long-term care? (Plans A and B do not provide coverage.)
  • Do you want the Plan to pay for any excess medical costs? – or do you go to a doctor who accepts Medicare payments as payment in full?
  • Do you want to be covered while travelling outside of the country?

Each company sets its own premiums. Look for the best.

Call us for rates and the plan that works best for you at 406-585-5384.


Prescription Drug Insurance

Medicare offers prescription drug coverage for everyone with Medicare. This coverage is called “Part D”. Medicare prescription drug coverage can protect you against future drug costs and give you access to drugs that you can use to stay physically and mentally healthy. To get Medicare drug coverage, you must join a Medicare drug plan. Medicare drug plans are run by insurance companies and other private companies approved by Medicare. Each plan can vary in cost and drugs covered.

Even if you don’t take a lot of prescription drugs now, you should still consider joining a Medicare drug plan. If you decide not to join a Medicare drug plan when you are first eligible, you may need to wait for an open enrollment window, and you may need to pay a later enrollment fee.

For more information about Medicare Prescription Drug plans, call me at 406-585-5384.


Long Term Care Insruance - Nursing Care Insurance

To recuperate from an accident or illness may require you to have long-term nursing care, either at home or in a licensed nursing facility. The probability of your needing nursing care increases with age, even though it could happen at any time. Older people may find themselves unable to return home and require care in a skilled nursing facility. The daily cost of such facilities vary but today range from $150 to $300 or more. Some people may find it possible to remain in their homes but need regular care and attention. Full time care at home is often more expensive than care in a long-term skilled nursing facility.

Insurance to cover skilled nursing costs, whether at home or in a nursing home, can be obtained. Without it, the cost can be devastating for many people. With such insurance, the major cost can be covered. The amount of insurance obtained can be determined based upon other anticipated income sources.

Long term care insurance should be obtained during middle age while a person is vibrant and healthy. Premiums are reasonable and affordable. The longer one waits to initiate coverage, the more costly the premiums become. Premium costs for policies initiated above age 60 become intolerable for most people.

Long-term care policies can be taken out by spouses at a discount, preferably during their late 40s or 50s. The amount of coverage can be scheduled to increase as time progresses, to cover inflationary adjustments in cost, at a simple or compounded rate of interest.

For more information about Long-term Care Insurance, give us a call at 406-585-5384.


Dental insurance (as well as Vision Care Insurance) is generally quite expensive, especially for those already experiencing heavy costs (which is when people tend to inquire). The time to initiate such coverages is when a person is quite healthy and not in need of cost sharing.

For more information, please give us a call at 406-585-5384.


John Shellenberger

Securities through McDermott Investment Services FINRA/SIPC

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14541 Kelly Canyon Road, Bozeman, MT 59715 • Phone: 406-585-5384 • e-mail:

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