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Best Medicare Supplement Plans in Montana 2021

If you’re a Medicare beneficiary in Montana, you should learn about the best Medicare Supplement plans in Montana, called Medigap policies. Original Medicare insurance never covers more than 80 percent of the cost of a medical visit or procedure. The remainder is your responsibility, including:

  • Deductibles
  • Copayments
  • Coinsurance

This is true unless you learn about and compare Medicare Supplement insurance plans in Montana and choose one that best meets your needs.

To obtain the best Medicare Supplement rates, you must already be enrolled in Medicare Part A and Medicare Part B. Medicare Part A covers up to 80 percent of approved inpatient costs when you are hospitalized. Part B covers up to 80 percent of the following approved elements:

  • Doctor visits
  • Medical equipment
  • Home health care
  • Lab tests
  • Rehabilitation
  • Outpatient procedures
  • X-rays
  • Ambulances
  • Blood
  • Mental health services

What are the Top 5 Medicare Supplement Plans in Montana

1. Best full coverage: Plan F

Plan F has been the most popular of the Medicare Supplement insurance plans in Montana, but it’s only offered to those who became eligible for Medicare before January 1, 2020. The advantage Plan F has over other Medigap plans is that it covers Medicare Part B deductible payments. Plan F comes with the highest premiums when comparing Medigap policies.

2. Best comprehensive coverage: Plan G

For Montana Medicare beneficiaries who became eligible for Medicare after Jan. 1, 2020, Plan G offers the most similar benefits to Plan F. Like Plan F, Plan G covers copays, coinsurance and deductibles. However, it does not cover the Medicare Plan B deductible. In 2021, you will be charged $203 for your Part B deductible.

3. Best value: Plan N

 With Medicare Plan N, you pay lower premiums but more out-of-pocket costs. With Plan N you will get coverage for:

  • Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up
  • 100 percent of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to a $50 copayment for emergency room visits that don’t result in inpatient admission.
  • First three pints of blood
  • Part A hospice care coinsurance or copayment
  • Skilled nursing facility care coinsurance
  • Part A deductible
  • 80 percent of foreign travel exchange up to plan limits

Plan N does not cover the Part B deductible or Part B excess charges.

4. Best deductible plan: High Deductible Plan F

For those eligible for Medicare before Jan. 1, 2020, Plan F offers the most comprehensive coverage of all Medigap plans. With a high deductible plan, Medicare pays its share of healthcare costs, then you will pay expenses up to your deducible amount. As of January 1, 2021, the annual deductible for the high deductible Plan F is $2,370.

5. Best for lowest premiums: High Deductible Plan G

For those eligible for Medicare after Jan 1, 2021, high deductible Plan G offers coverage similar to high deductible Plan F. The difference is that Plan G does not cover the Medicare Part B deductible.

Under high deductible Plan G, you must reach a deductible of $2,370 in 2021 before the plan pays your Medicare out-of-pocket.

What is the Best Supplemental Insurance to go with Medicare?

1. What is the most popular Medicare Supplement plan in Montana for 2021?

While Plan F is the most popular Medicare Supplement plan in Montana in 2021, it’s only offered for those who became eligible for Medicare before January 1, 2020.

For those newer to Medicare, the most similar option is Plan G. Plan G does not cover the Medicare Part B deductible like Plan F does.

2. Which plan has the best benefits in Montana?

Because Plan F covers the Medicare Part B deductible, it’s considered the Medigap plan with the best benefits. However, Plan F has been discontinued. The last day for new enrollment was December 31, 2019.

Plan G is the most comprehensive health insurance plan available to those new to Medicare after Jan. 1, 2020.

3. How do I choose the best plan?

We understand that Medicare is confusing and complex. With 10 standardized Medicare Supplement insurance plans; Medicare Advantage plans; Medicare prescription drug plans and different deadlines, choosing what Medicare plan works for you becomes overwhelming.

Our licensed insurance agents will look at your budget and your needs and suggest different plan options. We will also guide you through the signup process, whether that’s now or later.

Medicare.gov also provides a wealth of information about the federal Medicare program and eligibility.

4. Which Medigap company offers the best rates in Montana?

Our Policy Guides will look at demographics and other factors that affect pricing and find free quotes for you in a few minutes.

What is the Average Cost for a Medicare Supplement Plan in Montana for 2021?

For the 59102 zip code in Billings, Montana, here are the averages for three Medicare supplement insurance plans for a 65-year-old, nonsmoking female:

  • Plan F: $175.64 (range $162.16 to $199.96)
  • Plan G: $139.70 (range $121.95 to 184.76)
  • Plan N: $113.66 (range $94.21 to $133.63)

Average: $143.00

Montana Medicare Supplement insurance plan pricing is based on factors like:

  • Community-rating – In this case, monthly premiums are the same for everyone who has the Medigap policy, regardless of age. Premiums may go up because of inflation and other factors.
  • Issue Age – The premium is based on your age when you buy the Medigap policy.
  • Attained age  – The premium is based on your current age and your premium goes up as you get older or due to inflation or other factors.

Common Montana Medicare Supplement Plan Questions

What Companies Sell Medigap Plans in Montana?

Many private insurers offer Medigap plans in Montana. Here are three of the most popular:

1. Cigna 

This well-established insurance provider has a long history of providing exceptional customer service. With a global customer base of 15 million, Cigna’s has been recognized as one of the highest-rated health insurance companies for customer satisfaction according to a J.D. Powers survey. In 2021, Cigna received a five-star rating from Medicare, which is the highest star rating possible.

2. Aetna

Aetna Medicare Supplement plans allow the customers to access great doctors while lowering patient costs. Medicare recipients consider the company to be among the 10 best Medicare Supplemental insurance companies for the health plans that are available in the marketplace. In 2021, Aetna has an overall weighted average of 4.0 out of 5.0 stars from Medicare.

3. Mutual of Omaha

Mutual of Omaha was one of the very first companies to offer Medicare supplement plans. The insurance company has been recognized as an innovative provider in the Medigap plan market for over five decades. Mutual of Omaha has an outstanding reputation for offering competitive rates and a fast, electronic application process. In 2021, Mutual of Omaha received 2.5 stars out of a 5-star rating.

When Can I Apply for a Montana Medicare Supplement Plan?

You are eligible to apply for a Montana Medicare Supplement plan the month you turn 65 and also have enrolled in Medicare Part B. If you buy a Medigap when you’re first eligible, the price does not change based on your health history.

After the initial enrollment period, you can still buy a Medigap policy. The difference is that insurers can take preexisting conditions, into account in their medical underwriting, so the policy will likely be more expensive.

The Medicare supplement plan deadline is different from the open enrollment period that applies to Medicare Advantage (Plan C) plans. Our licensed insurance agents at Policy Guide can explain all the important Medicare deadlines to you.

Which is better, Medigap Plan G or Plan N?

In Montana, when comparing Plan G and Plan N for the 59102 Billings zip code, the average monthly deductible for Plan N is about $6 less than Plan G. The plans are similar, but Plan G is slightly more comprehensive.

Here’s how Plan N and Plan G are the same:

  • Part A deductible
  • Part A coinsurance
  • Skilled nursing facility coinsurance
  • Foreign travel emergency
  • Hospital costs
  • First three pints of blood

Here’s how Plan G and Plan N differ:

  • Plan N has copayments ($20 for office visits, $50 for ER visits)
  • Plan G pays all Part B coinsurance.
  • Plan N doesn’t cover Part B excess charges. Plan G does. However, if your health care provider participates in Medicare, he or she cannot bill you for excess charges

What is Medicare Supplement Insurance?

Medicare Supplement plans in Montana defray healthcare expenses for Medicare beneficiaries by covering out-of-pocket costs, such as copayments, coinsurance and deductibles

Medicare Parts A and B cover basic health insurance expenses for beneficiaries. Private insurance companies offer Medicare Supplement insurance in Montana.

Like 46 other states, Montana offers 10 standardized Medicare Supplement insurance plan options. Plans are identified by one of 10 letters: A, B, C, D, F, G, K, L, M and N.

Please note, Medicare Supplement insurance plans, also known as Medigap, are different from Medicare Advantage plans (Plan C). They also do not offer prescription drug coverage (Medicare Part D).

Our experienced, licensed insurance agents at Policy Guide can help you sort through all the different parts of the federal Medicare program to find supplement insurance that works for you.

Some additional facts about Medicare coverage:

  • Primarily for people 65 years and older, some exceptions apply
  • Medicare Part A is referred to as hospital coverage, including inpatient hospital care, skilled nursing facility care and hospice care.
  • Medicare Part B centers on coverage for outpatient medical appointments, screenings, lab work and medically necessary supplies, for example.

Is Plan G the Best Medigap Plan in Montana?

How Much Does it Cost?

The average cost for Plan G for a 65-year-old, nonsmoking female is $139.70 in the Billings, Montana 59102 zip code

What is the Plan G Deductible in 2021?

You will not have to pay a deductible for Plan G. But you will pay the Part B deductible, which is $203 in 2021.

What does Medigap Plan G Cover in Montana?

Related Topics

Plan G by State

Ready To Learn More?

My Medigap Plans is a rapidly growing resource for Medicare beneficiaries. We specialize in educating consumers on their options and guiding them through the process of plan selection. We work closely with some of the nations top rated carriers such as Aetna, Cigna and Mutual of Omaha. Compare our list of the 10 Best Medicare Supplement Insurance Companies or take a deeper look at the plans by reviewing our Medicare Supplement Plans Comparison Chart. Learn more or about Medicare Part D Prescription Drug plans, or request a Medicare Supplement Plan Quote.

Montana Enrollment Resources

State Links

  • The Montana State Health Insurance Assistance Program (SHIP) is free for any Montana Medicare beneficiary and their caregivers. Funded by CMS, it provides information about Medicare Supplement insurance plans in Montana, such as deductibles and rates.
  • Medicare.gov is the official website for the federal Medicare program and is a great resource for learning more about Medicare coverage, Montana Medicare Supplement plans and more.

Montana Enrollment Statistics

This information may help you to obtain Medicare insurance company supplemental benefits. The five largest counties in Montana and their most recent populations are:

  • Yellowstone (156,332)
  • Missoula (114,231)
  • Gallatin (100,733)
  • Flathead (96,147)
  • Cascade (81,816)

Over 169,000 Montanans were enrolled in Medicare Part A and/or Part B in 2016, according to Centers for Medicare and Medicaid Services (CMS). In 2015, America’s Health Insurance Plans (AHIP) data indicate that 68,890 Montanans had a form of Medigap coverage.

This means that just over 40 percent of beneficiaries have found that signing up for one of these Medicare plans is the best way to enhance their Medicare benefits through the Medicare program.

A lot of Montana residents also sign up for Medicare Part D prescription drug plans. This helps with reducing out of pocket costs for medicine, which isn’t covered by Plan A or any of the Supplement plans.

Key Take Aways
  • In Montana, Medicare Supplement Plan G is the most popular plan for 2021.
  • There are 10 Medicare Supplement Plans in Montana to choose from.
  • Medicare Supplement plans do not use a network, go wherever Original Medicare is excepted.
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