Of the 145,853 Medicare beneficiaries in Vermont, 132,287 have traditional Medicare, 13,566 have a Medicare Advantage plan, and 111,330 have Part D coverage. The average monthly premium for a Medicare Advantage plan is $53.45 in Rutland, Vermont. Medicare Supplement Plan C is the most popular Medigap plan in the state.
Medicare plans in Rutland, Vermont
Supplemental Medicare plans, such as Medicare Advantage, Medicare Supplement plans (Medigap), and Medicare Part D, help fill in coverage gaps and pay the out-of-pocket expenses from traditional Medicare.
We’ll look at some of the most affordable supplemental Medicare plans to enhance Original Medicare coverage in Rutland, Vermont. The quotes calculated use a 70-year-old female as an example.
Medicare Advantage plans
Twenty-two Rutland, Vermont, Medicare Advantage plans are available, and 47% are four stars or higher. Medicare-approved private insurance companies provide the plans, also known as Medicare Part C.
The UnitedHealthcare PPO plan has a $0 monthly premium and $4,500 maximum out-of-pocket (MOOP) expenditure. The plan lets you choose from a national network of doctors and covers regular vision, dental, and hearing care. The copay for visits to your primary healthcare provider is $0.
MVP Health offers a Medicare Advantage plan with a $0 premium, a $0 deductible on Tier 1 and 2 drugs, and a $0 copay for primary doctor visits. The maximum you can spend out of pocket is $6,700. Along with an allowance for hearing aids, eyewear, and dental care, the plan offers SilverSneakers Fitness.
The Wellcare giveback plan has a $0 monthly premium, a $150 deductible, and a $7,550 MOOP. In-network primary care doctor visits have a $0 copay, and specialist appointments have a $50 copay. Routine wellness checkups and dental, hearing, and vision care from in-network providers have copays of $0.
The average cost of Medicare Advantage plans in Rutland, Vermont
| PLAN | PREMIUM | MOOP | PLAN TYPE | STAR RATING |
| $0 | $4,500 | LOCAL PPO | 3 | |
| Vermont Blue | $0 | $6,600 | HMO | N/A |
| MVP Health | $0 | $7,550 | LOCAL PPO | 4 |
| Wellcare | $0 | $6,000 | LOCAL PPO | N/A |
| MVP Health | $0 | $6,700 | LOCAL PPO | 4 |
Medicare Supplement plans
Medicare Supplement plans, commonly known as Medigap, provide extra coverage for beneficiaries who need help paying health expenses that traditional Medicare doesn’t cover. There are ten plans labeled A through N, which are the same in every state. The only difference is the monthly premium.
Plan C is a popular Medicare Supplement plan among Rutland, Vermont, Medicare beneficiaries. The plan covers all gaps in traditional Medicare except Part B excess charges. The monthly premium ranges from $183.51 to $381.02. With Plan C, you can see any doctor who accepts Medicare with no coinsurance costs.
A step down from Plan C, Plan D covers all expenses minus the Medicare Part B deductible and excess charges. This plan also has no copayments and covers 80% of emergency care in foreign countries after a $250 deductible. The premium is $160.99 to $363.46 monthly.
Medigap Plan G is one of the top nationwide plans, covering all costs that Medicare shares with beneficiaries except the Part B deductible. The monthly premium is from $165.02 to $378.36, and the deductible is $233.
The average cost of Medicare Supplement plans in Rutland, Vermont
| LETTER PLAN | LOWEST PREMIUM | HIGHEST PREMIUM |
| PLAN A | $107.27 | $218.54 |
| PLAN B | $172.26 | $327.77 |
| PLAN C | $183.51 | $381.02 |
| PLAN D | $160.99 | $363.46 |
| PLAN F | $165.02 | $378.36 |
| PLAN HDF | $42.00 | $89.28 |
| PLAN G | $145.36 | $343.01 |
| PLAN HDG | $42.00 | $56.24 |
| PLAN K | $77.00 | $151.74 |
| PLAN L | $133.25 | $174.58 |
| PLAN M | $204.72 | N/A |
| PLAN N | $119.01 | $209.34 |
Medicare Part D prescription drug plans
Since traditional Medicare doesn’t cover prescription drugs and only some Medicare Advantage plans include drug coverage, Medicare Part D is available for beneficiaries who need it. Consumers can choose Part D plans from private companies in their area, which have various monthly premiums and deductibles.
Humana has a Part D plan with a low monthly premium of $22.70. Costs are lower at preferred pharmacies; the copay for Tier 1 drugs is $10 at standard pharmacies. Tier 1 and 2 drugs have a $0 deductible, and Tier 3, 4, and 5 drugs have a $480 deductible.
The Essential Rx Part D plan from Cigna is $32.10 monthly and has a $0 deductible for Tier 1 and 2 prescription drugs. Tiers 3, 4, and 5 have a $480 deductible. Preferred home delivery or in-network pharmacies have a $0 copay for Tier 1 drugs.
The cheapest Rutland, Vermont Part D plan on the list is Aetna SilverScript SmartRx, with a $7.40 monthly premium. It may be more affordable because only Tier 1 drugs have a $0 deductible with this plan, and all tiers have copayments. At a preferred pharmacy, the Tier 1 copay is $1, Tier 2 is $19, and Tier 3 is $46.
The average cost of Medicare Part D plans in Rutland, Vermont
| PLAN | PREMIUM | DEDUCTIBLE | STAR RATING |
| Aetna | $7.40 | $480 | 3 |
| Wellcare | $13.00 | $480 | 3 |
| Humana | $22.70 | $480 | 4 |
| $29.30 | $310 | 4 | |
| Cigna | $32.10 | $480 | 3 |
How To sign up for Medicare plans in Rutland
We can recommend the right supplemental Rutland, Vermont Medicare plans according to your circumstances.
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