The Best Montana Medicare Supplement Plans (2024)

In Montana, Medigap plans cost an average of $110 per month for 65-year-olds and $167 per month for 75-year-olds. Plan G, which has a monthly average cost of $118.80, and Plan F, which costs $158.30 per month on average, are the two most popular plans in the state due to their comprehensive coverage. However, Plan F is only available to individuals who qualified for Medicare before 2020.

Plan N stands as the next most popular plan in Montana. Costing an average of $101.70 per month, this plan has all the same coverages that Plan G and F do but does not cover excess charges.

While there are other Medigap plans on the market, MoneyGeek’s methodology focused on these three plans and examined their average premiums and benefits. If you’d like to learn more about the different types of plans and their coverages, you can review how to find the best Medicare Supplement plan type.

In Montana, the best provider for Plan G is State Farm. Their plans cost $119.42 per month on average for a 65-year-old.

Note that MoneyGeek’s rankings only account for companies that provide quotes online. You may be able to find other providers in your area who provide better plans or quotes that need to be contacted via phone or email.

Medigap plan providers in Montana charge an average of $144 per month for Plan G, but rates can vary based on your insurer. For example, Humana is the cheapest provider for the same plan, with premiums averaging $109.20 per month, while UnitedHealthcare is the most expensive, charging $130.20 per month on average. This means you could save an average of $21 a month by comparing companies.

Aside from your provider, rates can also change depending on how old you are when you buy, your current age, discounts and medical underwriting factors.

In Montana, seniors can choose from 32 Plan G providers — but not all of them provide quotes online. While this can make the search for the best provider tedious, MoneyGeek collected the contact information and pricing method of all Plan G providers in Montana to help you save time.

All Medicare Supplement plans in Montana are standardized, which means all providers must offer certain coverages. For Plan G, this means including coverage for hospice coinsurance, skilled nursing facility coinsurance and more. Plan G does not cover Part B deductibles and only covers 80% of foreign travel medical expenses incurred.

Providers are also able to offer additional features, such as State Farm’s foreign travel emergency coverage.

Cigna is the best provider for Medigap Plan F in Montana, earning a MoneyGeek score of 90 out of 100. The company also offers a high-deductible version of the plan, which can help make premiums more affordable.

However, MoneyGeek’s rankings are limited as it only includes companies that provide quotes online. This means that there may be other providers in Montana that have better quotes or offers that were not factored into MoneyGeek’s rankings.

Keep in mind that Plan F is only available for those who were eligible for Medicare before January 1, 2020.

It costs seniors in Montana an average of $158.30 per month for Plan F, but actual rates depend on your provider. For example, Cigna has the most affordable premiums at an average of $116.40 per month for 75-year-olds, while UnitedHealthcare has the most expensive at an average of $284.40 per month. This is a difference of $168.

Providers also use other factors to calculate your premiums, which can change your rate. Your age when you first purchased a plan, your age now, discounts and medical underwriting factors are all taken into account.

There are 31 providers of Medigap Plan F in Montana, but only four of them provide quotes online. This means that other providers need to be contacted via call or email.

To help you save time, MoneyGeek gathered the contact information and pricing methods of all Plan F providers in Montana. This way, you can get quotes faster and determine which provider charges more depending on your age.

All Medigap plans in Montana are standardized, which means all providers offer the same basic benefits.

Out of all plans available, however, Plan F is one of the most comprehensive, covering almost all costs that Original Medicare doesn’t cover. Plan F only covers 80% of medical expenses incurred during foreign travel. Insurers are also able to offer additional benefits, such as Cigna’s Healthy Rewards program and foreign travel emergency coverage.

The best Medicare Supplement plan N provider in Montana is Cigna, which earned a MoneyGeek score of 90 out of 100.

Keep in mind that MoneyGeek only considered companies with online quotes when ranking the best Medigap Plan N providers in Montana. This means that you may be able to find better plans or offers from other regional providers in the state that need to be contacted differently.

In Montana, the average cost of Plan N is $125.60, but actual rates will depend on your provider. For instance, Cigna stands as the most affordable Plan N insurer in Montana, with rates averaging $83.30 per month. On the other hand, Humana’s policy is the most expensive, costing an average of $131.10 per month. This means you could save up to $47.80 by comparing companies.

Premiums are also calculated based on various factors, such as how old you are when you buy, your current age, discounts you qualify for and certain medical underwriting factors.

Montana has 30 Medigap Plan N providers, but only five of them can provide a quote online. The other companies can be to be contacted via phone or email.

It can be troublesome to look up each provider’s contact details, which is why MoneyGeek did it for you. Below is a list of all Plan N providers in Montana along with their contact details and pricing methods.

Across all Medigap plan providers, Plan N must be standardized and include certain benefits such as coinsurance and deductibles for Part A. Part B deductibles and excess charges, however, are not covered.

While all providers have to offer the same basic benefits, they can also add extra features. Cigna, for instance, gives policyholders access to their Healthy Rewards program, where they can get discounts on a variety of health and wellness services.

Beyond the most popular Medigap plans available, seniors in Montana can purchase other types of Medigap plans such as Plans A, B, C, D, K and L. These plans come with less coverage, but may be suitable for seniors who have specific needs.

MoneyGeek evaluated the best provider for each plan type based on our criteria where online quotes are available. The best companies include UnitedHealthcare, Aetna, Humana, State Farm and Cigna.

Note that if you become eligible for Medicare after January 1, 2020, you cannot purchase Plan C in Montana or any other state.

Finding the best Medigap plan in Montana will depend entirely on your needs — and this can change from year-to-year. To help you make an easier decision when you need to, MoneyGeek collected pricing data to create a Medicare Supplement plan comparison chart for Montana residents.

Medigap plans vary in their level of coverage, while some are only available depending on when you were eligible for Medicare. For instance, Plan F and Plan C cannot be purchased by new enrollees and have been replaced by Plan G and Plan D. Use the chart below to compare Medicare Supplement plans in Montana and find what suits your needs best.

The cost of Medigap plans in Montana depends on your plan type and chosen provider. Case in point, the most affordable provider for Plans K and L is UnitedHealthcare, while for Plan B it is Aetna. For Plan G and C, Humana is the cheapest, and for Plan D it is State Farm. Lastly, for Plan N and F, Cigna is the most affordable insurer.

Beyond your plan type, providers also have certain pricing methods.

• Attained-Age: This pricing method is the most common among Montana providers. Using this pricing strategy, Medigap plan providers calculate your premiums according to your current age, which is your "attained" age. Over time, your rates will rise as you get older.
• Issue-Age: Under issue-age pricing, insurers calculate your premium based on your current age when you sign up for your plan. Next to attained-age pricing, issue-age is the next most popular.
• Community-Rated: Community-rated plans are where providers charge customers the same premium regardless of their age. While this pricing type is uncommon in Montana, providers offer this nevertheless.

To understand Medigap plans in Montana better, take a look at the most commonly asked questions below.

MoneyGeek collected data from the biggest Medicare Supplement/Medigap providers in Montana for 65-year-olds and 75-year-olds. Plans were only rated as one of the best if we could obtain an accurate quote from the provider online.

MoneyGeek’s scoring system weighted affordability 75% and benefits 25%. A Medigap provider received 5% for every benefit, up to a maximum of 25%.