17 Resources
Official Montana State Health Insurance Assistance Program operator. Real state agency providing free Medicare counseling. Verified via shiphelp.org. Useful for seniors 65+ enrolling for the first time, weighing Original Medicare against Advantage plans, or trying to lower drug costs. Most questions can be answered online or by phone; there's no eligibility screening to call. A neutral alternative to insurance brokers — no plan is recommended for commission. All services free of charge to qualifying...
Statewide · Varies · Visit Website
Official US Medicare site. Compare plans, find providers, understand Parts A/B/C/D, and check coverage. Call 1-800-MEDICARE (1-800-633-4227) 24/7. Built for older adults choosing between Parts A, B, C, and D — especially during the seven-month Initial Enrollment window. Expect a 10–25 minute conversation depending on how detailed the situation is; bring a current med list to speed things up. All services free of charge to qualifying seniors and family caregivers.
Nationwide · Online · Visit Website
Official federal Medicaid information. Eligibility, benefits, and state Medicaid program directory. Worth a call for anyone navigating Annual Enrollment, dual eligibility with Medicaid, or appealing a coverage denial. Drop-in help is available at most local offices; bringing the Medicare card and a list of prescriptions makes the visit faster. Especially valuable for seniors getting pressure from Medicare Advantage sales calls or door-to-door enrollment pitches. No cost to older adults or the people...
Nationwide · Online
Free unbiased Medicare counseling in every state. Find your state's SHIP for one-on-one help. Built for older adults choosing between Parts A, B, C, and D — especially during the seven-month Initial Enrollment window. Expect a 10–25 minute conversation depending on how detailed the situation is; bring a current med list to speed things up. A neutral alternative to insurance brokers — no plan is recommended for commission. Free, confidential, and available to any Montana resident who needs the information.
Nationwide · Online · Visit Website
National nonprofit helping older adults and people with disabilities navigate Medicare. Free helpline 1-800-333-4114. Most relevant for low-income seniors who may qualify for Extra Help, QMB, SLMB, or QI without realizing it. Expect a 10–25 minute conversation depending on how detailed the situation is; bring a current med list to speed things up. A neutral alternative to insurance brokers — no plan is recommended for commission. Open at no cost to Montana seniors and the families supporting them.
Nationwide · Online · Visit Website
Legal advocacy for Medicare rights, especially appeals and complex coverage issues. Useful for seniors 65+ enrolling for the first time, weighing Original Medicare against Advantage plans, or trying to lower drug costs. Most questions can be answered online or by phone; there's no eligibility screening to call. One of the most-used resources for older adults without family help navigating the system. Open at no cost to Montana seniors and the families supporting them.
Nationwide · Online · Visit Website
Plain-language guide to Medicare from the Medicare Rights Center. Free questions answered. Useful for seniors 65+ enrolling for the first time, weighing Original Medicare against Advantage plans, or trying to lower drug costs. Drop-in help is available at most local offices; bringing the Medicare card and a list of prescriptions makes the visit faster. A neutral alternative to insurance brokers — no plan is recommended for commission. Free service; donations support but never gate access.
Nationwide · Online · Visit Website
Empowers seniors to detect, prevent, and report Medicare fraud. Free help in every state. Useful for seniors 65+ enrolling for the first time, weighing Original Medicare against Advantage plans, or trying to lower drug costs. Counselors walk through specific plans by name, compare drug costs side by side, and flag Medicare Savings Program eligibility. One of the most-used resources for older adults without family help navigating the system. Open at no cost to Montana seniors and the families...
Nationwide · Online · Visit Website
Social Security program helping pay Medicare prescription drug costs for limited income. Useful for seniors 65+ enrolling for the first time, weighing Original Medicare against Advantage plans, or trying to lower drug costs. Online tools cover plan comparison; phone is faster for situational questions like spouse coverage or COBRA timing. A neutral alternative to insurance brokers — no plan is recommended for commission. Free of charge — no eligibility paperwork required to call or browse.
Nationwide · Online · Visit Website
State Medicaid programs that help pay Medicare premiums, deductibles, and coinsurance for those with limited income. Most relevant for low-income seniors who may qualify for Extra Help, QMB, SLMB, or QI without realizing it. Online tools cover plan comparison; phone is faster for situational questions like spouse coverage or COBRA timing. A neutral alternative to insurance brokers — no plan is recommended for commission. Open at no cost to Montana seniors and the families supporting them.
Nationwide · Online · Visit Website
Compare Medicare Advantage and Part D drug plans by your prescriptions and pharmacies. Useful for seniors 65+ enrolling for the first time, weighing Original Medicare against Advantage plans, or trying to lower drug costs. Most questions can be answered online or by phone; there's no eligibility screening to call. One of the most-used resources for older adults without family help navigating the system. Free, confidential, and available to any Montana resident who needs the information.
Nationwide · Online · Visit Website
Federal Health Insurance Marketplace — for those not yet 65 or covering family members. Most relevant for low-income seniors who may qualify for Extra Help, QMB, SLMB, or QI without realizing it. Online tools cover plan comparison; phone is faster for situational questions like spouse coverage or COBRA timing. A first-stop for anyone confused by Medicare's Initial, Special, or General Enrollment Periods. Free, confidential, and available to any Montana resident who needs the information.
Nationwide · Online · Visit Website
CMS — federal agency that runs Medicare, Medicaid, and CHIP. Policy and updates. Helpful for retirees, family caregivers, and adults under 65 with disability who qualify after 24 months on SSDI. Counselors walk through specific plans by name, compare drug costs side by side, and flag Medicare Savings Program eligibility. A neutral alternative to insurance brokers — no plan is recommended for commission. Open at no cost to Montana seniors and the families supporting them.
Nationwide · Online · Visit Website
NCOA's senior-focused Medicare planning hub with checklists and webinars. Worth a call for anyone navigating Annual Enrollment, dual eligibility with Medicaid, or appealing a coverage denial. Most questions can be answered online or by phone; there's no eligibility screening to call. A first-stop for anyone confused by Medicare's Initial, Special, or General Enrollment Periods. Open at no cost to Montana seniors and the families supporting them.
Nationwide · Online · Visit Website
State Health Insurance Assistance Program for Montana. Free unbiased one-on-one Medicare counseling. Find your local SHIP via shiphelp.org. Most relevant for low-income seniors who may qualify for Extra Help, QMB, SLMB, or QI without realizing it. Counselors walk through specific plans by name, compare drug costs side by side, and flag Medicare Savings Program eligibility. Many users come away with a $40–200/month reduction in Part D drug costs they didn't know they qualified for. No cost to older...
Statewide · Varies · Visit Website
Official Montana Medicaid program. Eligibility, applications, and benefits information. Worth a call for anyone navigating Annual Enrollment, dual eligibility with Medicaid, or appealing a coverage denial. Expect a 10–25 minute conversation depending on how detailed the situation is; bring a current med list to speed things up. A neutral alternative to insurance brokers — no plan is recommended for commission. Free service; donations support but never gate access.
Statewide · Varies
Montana SMP — helps seniors detect and report Medicare fraud and errors. Most relevant for low-income seniors who may qualify for Extra Help, QMB, SLMB, or QI without realizing it. Counselors walk through specific plans by name, compare drug costs side by side, and flag Medicare Savings Program eligibility. A neutral alternative to insurance brokers — no plan is recommended for commission. Free of charge — no eligibility paperwork required to call or browse.
Statewide · Varies · Visit Website