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Medicare Supplement Plans in Montana

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 Medicare Supplement plans are available 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 2022, you will be charged $233 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, 2022, the annual deductible for the high deductible Plan F is $2,490.

5. Best for lowest premiums: High Deductible Plan G

For those eligible for Medicare after Jan 1, 2020, 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 $2,490 in 2022 before the plan pays your Medicare out-of-pocket.

When Can I Apply for a 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.

How Much Do Medicare Supplement Plans in Montana Cost?

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:

65-Year Old Female Non-Tobacco
Plan Type Premium Range
Plan F$162.16 - $199.96
Plan G$121.95 - 184.76
Plan N$94.21 - $133.63

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 2022, 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 2022, 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 2022, Mutual of Omaha received 2.5 stars out of a 5-star rating.

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.

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