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: March 16, 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
Your doctor visit frequency and travel habits should affect your plan choice. A richer plan means a higher monthly bill, but if you have ongoing medical conditions, the lower out-of-pocket costs can make a higher premium the cheaper option overall.
- 2Compare Plan Types
New Medicare beneficiaries get the broadest coverage from Plan G. Plan N covers nearly as much at a lower monthly rate, with $20 copays for doctor visits and $50 for emergency room visits. Plan F eliminates all out-of-pocket costs but is only open to people who enrolled in Medicare before 2020. Plans K and L cut your monthly cost in exchange for a percentage share of expenses up to an annual cap. Plans A, C and D sit at different points on the basic-to-comprehensive spectrum. Plans B and M target the gaps between those two ends.
- 3Get Quotes From Multiple Providers
Pull quotes from at least three companies before deciding because insurers price identical coverage very differently, and the spread can be substantial.
- 4Check Pricing Style
Pricing structure affects your costs over time more than the starting premium does. Issue Age locks your rate at enrollment. Attained Age pricing climbs as you get older. Community-Rated pricing charges everyone in your area the same amount. Issue Age and Community-Rated plans tend to cost less over a 10- to 20-year horizon.
- 5Check Company Ratings
Look up AM Best ratings for financial stability before committing to a plan. A low premium from an insurer with slow claims processing or poor service reviews costs you more in time and frustration than the monthly savings are worth.
- 6Enroll During Open Enrollment
The six-month window that opens when you turn 65 and enroll in Medicare Part B is your best shot at coverage. Insurers must accept you regardless of health conditions during this period. Miss it and you could pay higher premiums or get denied outright.
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.
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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.