WMI Mutual leads for Plan G at $129 monthly and Plan N at $107 monthly, while Nassau delivers Plan F coverage at $192 monthly for eligible beneficiaries who enrolled in Medicare before 2020. Your premiums depend on how old you are, which plan letter you select and which pricing method your insurer uses.
Best Medicare Supplement Plans in Montana (2026)
Updated: February 1, 2026
Advertising & Editorial Disclosure
Key Takeaways
Nassau provides Montana's cheapest Plan F rates while WMI Mutual offers the lowest Plan G and Plan N options.
Montana's Medicare Supplement premiums run $38 to $482 monthly depending on which plan you choose and how old you are.
Shop multiple carriers and review plan restrictions, benefits and availability to determine your best fit.
Best Medicare Supplement Plans in Montana
| WMI Mutual | A | $96 | $92 | Attained Age Pricing |
| Aetna | B | $181 | $62 | Attained Age Pricing |
| Mutual of Omaha | C | $182 | $104 | Attained Age Pricing |
| Transamerica | D | $156 | $20 | Issue Age Pricing |
| Nassau | F | $192 | $127 | Attained Age Pricing |
| WMI Mutual | G | $129 | $108 | Attained Age Pricing |
| Transamerica | K | $74 | $23 | Issue Age Pricing |
| Transamerica | L | $109 | $53 | Issue Age Pricing |
| Transamerica | M | $135 | $0 | Issue Age Pricing |
| WMI Mutual | N | $107 | $100 | Attained Age Pricing |
*Prices are for 65-year-olds.
WMI Mutual
MoneyGeek Rating
4.1/ 5
5/5Affordability
3.5/5Pricing Style
2.6/5Plan Availability
Average Plan G Rate
$129Plan Types
A, G, N
Nassau
MoneyGeek Rating
4.3/ 5
4.7/5Affordability
4/5Pricing Style
3.5/5Plan Availability
Average Plan G Rate
$159Plan Types
A, F, G, N
Aetna Medicare
MoneyGeek Rating
4.3/ 5
4.9/5Affordability
3.9/5Pricing Style
3.3/5Plan Availability
Average Plan G Rate
$194Plan Types
A, B, F, G, N
Mutual of Omaha
MoneyGeek Rating
4.1/ 5
4.4/5Affordability
4/5Pricing Style
3.3/5Plan Availability
Average Plan G Rate
$179Plan Types
A, C, F, G, N
Transamerica
MoneyGeek Rating
4.6/ 5
4.8/5Affordability
4.6/5Pricing Style
4.4/5Availability
Average Plan G Rate
$156Plan Types
A, B, C, D, F, G, K, L, M, N
Best Medicare Supplement Plan G in Montana
Plan G covers all Medicare out-of-pocket costs except the Part B deductible. This makes it a popular choice. WMI Mutual is cheapest for Plan G in Montana at $129 monthly (saves $108 below the state average). Old Surety and USAA follow at $137 and $138 monthly.
| WMI Mutual | $129 | $108 | $1,548 | $1,293 |
| Old Surety | $137 | $100 | $1,644 | $1,197 |
| USAA | $138 | $99 | $1,656 | $1,185 |
| Transamerica | $156 | $81 | $1,872 | $969 |
| Nassau | $159 | $78 | $1,908 | $933 |
| State Farm | $164 | $73 | $1,968 | $873 |
| Bankers Life | $164 | $73 | $1,968 | $873 |
Best Medicare Supplement Plan F in Montana
Plan F has the most comprehensive Medicare Supplement coverage. It eliminates all deductibles and copays. Montana seniors who became Medicare-eligible before 2020 can get Plan F from Nassau at $192 monthly (saves $127 below the state average or $1,522 yearly). AFLAC and Wisconsin Physicians Service have competitive alternatives at $209 and $218 monthly.
| Nassau | $192 | $127 | $2,304 | $1,522 |
| AFLAC | $209 | $110 | $2,508 | $1,318 |
| Wisconsin Physicians Service | $218 | $101 | $2,616 | $1,210 |
| Montana Health Co-Op | $220 | $99 | $2,640 | $1,186 |
| Ace Property and Casualty | $224 | $95 | $2,688 | $1,138 |
| USAA | $225 | $94 | $2,700 | $1,126 |
| State Farm | $227 | $92 | $2,724 | $1,102 |
Best Medicare Supplement Plan N in Montana
WMI Mutual is cheapest for Plan N in Montana at $107 monthly (saves $100 below the state average). Montana Health Co-Op and Nassau follow at $113 and $122 monthly. Plan N has cost-effective coverage with modest copays for doctor visits and emergency care. This works for healthy seniors who want lower premiums instead of first-dollar coverage.
| WMI Mutual | $107 | $100 | $1,284 | $1,197 |
| Montana Health Co-Op | $113 | $94 | $1,356 | $1,125 |
| Nassau | $122 | $85 | $1,464 | $1,017 |
| Ace Property and Casualty | $124 | $83 | $1,488 | $993 |
| State Farm | $125 | $82 | $1,500 | $981 |
| WoodmenLife | $125 | $82 | $1,500 | $981 |
| Transamerica | $127 | $80 | $1,524 | $957 |
Personalized Montana Medicare Supplement Plan Recommendations
Your best Medicare Supplement plan depends on how old you are and which standardized plan letter matches your health care needs throughout the year, since premiums vary by age while benefits remain identical across all insurers selling the same plan letter. The table below filters Montana rates by age and plan type to show what you'll pay.
Data filtered by:
A
Select
No
| WMI Mutual | A | No | 65 | $96 | $0 | Attained Age Pricing |
| United American | A | No | 65 | $109 | $0 | Attained Age Pricing |
| Mutual of Omaha | A | No | 65 | $125 | $0 | Attained Age Pricing |
| Old Surety | A | No | 65 | $130 | $0 | Issue Age Pricing |
| USAA | A | No | 65 | $131 | $0 | Attained Age Pricing |
| State Farm | A | No | 65 | $132 | $0 | Attained Age Pricing |
| Globe Life | A | No | 65 | $138 | $0 | Attained Age Pricing |
| Transamerica | A | No | 65 | $146 | $0 | Issue Age Pricing |
| Montana Health Co-Op | A | No | 65 | $148 | $0 | Attained Age Pricing |
| Wisconsin Physicians Service | A | No | 65 | $149 | $0 | Attained Age Pricing |
Medicare Supplement Plan Cost in Montana
Montana's Medicare Supplement insurance costs average $205 monthly for 65-year-olds, spanning from $97 monthly for Plan K through $319 monthly for Plan F across standardized coverage options.
Plan G, Plan F and Plan N average $237, $319 and $207 monthly for Montana's most popular choices. Your annual spending ranges from $1,164 through $3,828 based on which standardized plan letter you choose, how old you are and which insurer you select.
| A | $188 | $2,256 |
| B | $243 | $2,916 |
| C | $286 | $3,432 |
| D | $176 | $2,112 |
| F | $319 | $3,828 |
| G | $237 | $2,844 |
| K | $97 | $1,164 |
| L | $162 | $1,944 |
| M | $135 | $1,620 |
| N | $207 | $2,484 |
How to Choose the Best Medicare Supplement Plan
After choosing your plan type, you'll want to compare providers in Montana. Look for these key factors when evaluating Medicare Supplement companies.
- 1Assess Your Health Care Needs
How often do you see doctors? Do you travel frequently? More coverage costs more monthly but saves you money when you need care. If you have ongoing medical conditions requiring regular treatment, higher monthly premiums often cost less overall through lower out-of-pocket costs.
- 2Compare Plan Types
Plan G offers the most coverage for new Medicare beneficiaries. Plan N provides similar benefits with lower premiums plus modest copays ($20 for doctor visits, $50 for emergency room). Plan F, available only if you enrolled in Medicare before 2020, covers all out-of-pocket costs. Plans K and L cost less monthly but require you to pay a percentage of costs until you hit an annual limit. Plans A, C and D cover basics with varying benefit levels. Plans B and M fill specific gaps between basic and comprehensive coverage.
- 3Get Quotes From Multiple Providers
Get quotes from at least three companies to ensure competitive rates. Insurers charge different rates for identical coverage.
- 4Check Pricing Style
Issue Age gets locked at your enrollment age, Attained Age rises as you age and Community-Rated stays the same for everyone. Issue Age and Community-Rated plans save you money long-term.
- 5Check Company Ratings
Check AM Best ratings for financial stability and customer satisfaction scores for service quality. Cheaper premiums aren't worth it if your insurer delays claims or provides poor service.
- 6Enroll During Open Enrollment
You're guaranteed acceptance regardless of health conditions during the six-month window starting when you turn 65 and sign up for Medicare Part B. Wait longer, and insurers may charge more or deny coverage.
Montana Medicare Resources
Montana residents seeking help with Medicare have multiple resources available at no cost to guide them through coverage decisions.
- State Health Insurance Assistance Program (SHIP): Montana SHIP counselors meet with beneficiaries in their homes if transportation is unavailable. Call (800) 551-3191 to connect with local counselors through Area Agencies on Aging. Montana Office on Aging administers the program statewide. Counselors conduct public presentations on Medicare fraud, waste and abuse prevention. Services remain objective and confidential.
- Montana Commissioner of Securities and Insurance - Consumer Services: Submit complaints online, by mail, email or fax. Consumer Advocates answer questions at (800) 332-6148 or (406) 444-2040. Insurers respond within 21 days after receiving complaints. Review process can take up to 90 days. Mail to 840 Helena Avenue, Helena, MT 59601. Fax: (406) 444-1980. Email: ICS@mt.gov.
- Montana Area Agencies on Aging: Ten agencies serve Montana's 56 counties through local and satellite offices. Each agency operates as an Aging & Disability Resource Center. Agencies coordinate nutrition programs, transportation and caregiver support. Statewide contact: (800) 551-3191.
- Medicare.gov: Compare plans in your ZIP code with the Plan Finder tool to review coverage and costs.
Medicare Supplement Plans in Montana: FAQ
Below are answers to common questions about Medigap coverage in Montana.
When is Medicare Supplement open enrollment in Montana?
Medicare Supplement open enrollment begins when you turn 65 and enroll in Medicare Part B. This six-month window guarantees coverage regardless of health conditions. You can buy a Medicare Supplement plan anytime, but insurers can deny coverage or charge higher rates outside this period.
What are the most popular Medicare Supplement plans?
Plan G, Plan F and Plan N are the most popular Medicare Supplement plans. Plan G offers comprehensive coverage with predictable out-of-pocket costs. Plan F provides the most complete coverage but is available only to those eligible before 2020. Plan N offers lower premiums with modest copayments ($20 for doctor visits, $50 for emergency room). Learn more about Medicare coverage.
Do you have to renew Medigap plans every year?
No. Medicare Supplement plans automatically renew as long as you pay premiums on time. Your coverage continues indefinitely without annual enrollment periods, unlike Medicare Advantage plans that require yearly review during open enrollment.
What's the difference between Medicare Supplement and Medicare Advantage?
Medicare Supplement plans work with Original Medicare to cover out-of-pocket costs like deductibles and copayments. Medicare Advantage plans replace Original Medicare entirely, providing an all-in-one alternative with different networks, costs and coverage rules. Supplement plans offer more provider flexibility. Advantage plans often include extras like dental and vision coverage.
Our Methodology
MoneyGeek collected Montana Medicare Supplement data for 65-year-olds and 75-year-olds using Medicare.gov's plan browsing tool. Unless otherwise noted, this article references quotes for 65-year-olds.
We scored Montana Medigap companies across three categories to create a weighted score out of 5:
- Affordability (50%): Lower monthly premiums earn higher scores.
- Pricing style (20%): We scored pricing methods based on long-term stability and fairness: Community Pricing (1.0), Issue-Age Pricing (0.8) and Attained-Age Pricing (0.6). A community-rated plan with slightly higher costs can outscore a cheaper attained-age plan because community-rated premiums stay stable as you age.
- Plan availability (30%): Insurers offering more plan types score higher. We weighted popular plans (G, F and N) more heavily in scoring.
Related Pages
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.