What Benefits Can Medicare Advantage Plans Include in 2025?
If you’re looking at Medicare Advantage plans for 2025, you may be wondering what kinds of benefits these plans actually include. Medicare Advantage (also known as Part C) is offered by private insurance companies approved by Medicare, and in many cases, the plans come with extra perks beyond what Original Medicare covers.
Here’s a closer look at what you might expect to see when comparing Medicare Advantage options in Montana for 2025.
The Core Coverage: What Every Plan Must Include
Every Medicare Advantage plan is required to cover at least the same benefits as Original Medicare, including:
Hospital care (Part A) – inpatient stays, skilled nursing, and hospice care.
Medical care (Part B) – doctor visits, outpatient services, preventive screenings, lab tests, and durable medical equipment.
Most plans also bundle in prescription drug coverage (Part D), so you don’t need a separate drug plan.
Extra Benefits That Attract Members
One of the biggest draws of Medicare Advantage plans is the added coverage options. While not every plan offers the same extras, here are the most common benefits people in Montana may see in 2025:
Dental Coverage – cleanings, exams, X-rays, and in some cases, more extensive services.
Vision Benefits – eye exams, glasses, and contact lenses.
Hearing Care – routine exams and discounts or coverage for hearing aids.
Over-the-Counter Allowance (OTC) – a monthly or quarterly credit to buy common health products like vitamins, bandages, or cold medicine.
Grocery or Meal Cards – some plans provide prepaid cards to help pay for healthy groceries.
Transportation Services – rides to doctor visits or pharmacies.
Fitness Programs – memberships to gyms or wellness programs like SilverSneakers®.
Telehealth Access – 24/7 nurse hotlines or virtual doctor visits.
2025 Trends in Montana Medicare Advantage
Carriers are competing harder than ever to stand out in rural states like Montana. That means we’re seeing more plans promote:
Expanded dental networks.
Larger OTC and grocery card allowances.
Telehealth services for seniors who live farther from providers.
It’s important to remember that benefits vary by county and plan, so a neighbor in Billings might have different plan options than someone in Bozeman or Helena.
How to Compare Plans in Your Area
The easiest way to find out which benefits are available is to compare plans by zip code. At Golden Valley Medicare, we specialize in helping Montana residents review their options for 2025 — at no cost. We’ll help you understand:
Which extra benefits are offered near you.
Whether your doctors and pharmacies are included.
What the costs and copays look like.
Bottom Line
Medicare Advantage plans in 2025 continue to offer more than just hospital and doctor coverage. From dental and vision care to grocery and fitness benefits, there may be extras that fit your lifestyle and save you money.
Want to see which plans are available in your county? Schedule a free consultation with Golden Valley Medicare today.