Understanding Medicare Costs in 2025: Premiums, Deductibles, and Copays
When it comes to Medicare, one of the biggest concerns for Montana seniors is cost. Between premiums, deductibles, copays, and coinsurance, it can be tough to know what you’ll actually pay. And with new changes coming in 2025, it’s more important than ever to review your coverage during Annual Enrollment (Oct 15 – Dec 7, 2025).
Breaking Down the Costs
1. Monthly Premiums
This is the amount you pay every month just to keep your plan active. Premiums vary depending on whether you’re on Original Medicare, a Medicare Advantage plan, or have a separate Prescription Drug Plan (Part D).
2. Deductibles
Before your plan starts paying, you may have to cover a certain amount out of pocket — called the deductible. For 2025, many plans are adjusting their deductible levels, especially for Part D prescription coverage.
3. Copays and Coinsurance
Even after your deductible, you’ll still share costs with your plan. Copays are flat fees (like $10 for a doctor’s visit), while coinsurance is a percentage of the bill. These can add up quickly if you see doctors often or need regular prescriptions.
4. Prescription Drug Costs
One of the biggest changes in 2025 is the new $2,000 annual out-of-pocket cap for Part D. This protects seniors from runaway prescription costs — but which plan you choose will still affect how much you pay month to month.
Why Costs Vary So Much
The same plan can look very different depending on:
Your prescriptions
Your doctors and specialists
Whether you live in Billings, Bozeman, Missoula, or rural Montana
Which pharmacies you prefer
That’s why two people in the same county can pay very different amounts for coverage.
How Golden Valley Medicare Makes Costs Clear
At Golden Valley Medicare, we:
Run your prescriptions through every available Part D and Advantage plan to find the lowest-cost option.
Compare premiums, deductibles, and copays side by side.
Show you your real total costs, not just the monthly premium.
Help you balance affordability with flexibility and benefits.
📅 Annual Enrollment runs Oct 15 – Dec 7, 2025. Don’t wait until the deadline.
👉 Schedule your free Medicare plan review with Golden Valley Medicare today and see exactly what your Medicare costs could be in 2025.