Overall, we found that Humana has the best Medicare Supplement plans in Montana, with rates that are 10% below average for the most popular plan in the nation (Plan G). However, you should also consider State Farm and Aetna for affordable plans since pricing differs widely by plan letter.
Best Medicare Supplement Plans in Montana
Updated: May 27, 2025
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Key Takeaways
Humana offers the best and cheapest Medicare Supplement plans in Montana for the most popular plan, Plan G, which costs around $109 per month.
Monthly costs for Medicare Supplement plans in Montana can range from $65 to $182, depending on which plan you choose.
To find the plan you need, check plan availability, restrictions and benefits, and compare quotes from multiple companies.
Who Are the Best Cheap Medicare Supplement Plan Companies in Montana?
| Humana | $109 | $1,310 |
| State Farm | $119 | $1,433 |
| Aetna | $121 | $1,456 |
| Cigna | $123 | $1,480 |
| UnitedHealthcare | $130 | $1,562 |
*Pricing shown is for Medicare Supplement Plan G for 65-year-olds.
Compare Personalized Best Cheap Medicare Supplement Companies in Montana
We've highlighted the top companies for popular plans in Montana. However, everyone's insurance needs differ. Below, you'll find a filterable table to help you discover the best and most affordable company tailored to your needs.
Data filtered by:Results filtered by:
Select
Plan Letter:A
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Age:65
| Aetna | $121 | $1,450 |
| Cigna | $126 | $1,516 |
| Humana | $133 | $1,596 |
| State Farm | $96 | $1,150 |
| UnitedHealthcare | $93 | $1,120 |
Montana Medicare Supplement Plan Cost
The typical Medicare Supplement plan, Plan G, costs around $121 monthly or $1,448 per year on average in Montana. However, your rates can vary widely, ranging from $65 to $182 monthly depending on the provider and plan you select.
| A | $114 | $159 |
| B | $135 | $198 |
| C | $182 | $274 |
| D | $119 | $181 |
| F | $104 | $174 |
| G | $121 | $172 |
| K | $65 | $100 |
| L | $105 | $163 |
| N | $102 | $149 |
Montana Medicare Supplement Coverage Guide
With many plan options to choose from and multiple considerations to make, it can be especially hard to decide what Medicare Supplement plan is best and which company to choose. We've created a comprehensive guide detailing what coverages are available, how to choose which plan you need and how to find the best cheap company for you.
Montana Medicare Supplement Plan Comparison Chart
All Medicare Supplement plans, regardless of your state, have standardized coverages. Below, we've summarized what each plan letter for Medicare Supplement, or Medigap, covers.
Plan Letter | Co-Insurance and Copayment Coverage | Deductibles and Other Coverages |
|---|---|---|
A |
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B |
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C |
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D |
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F |
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G |
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K |
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L |
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M |
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N |
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How to Decide Which Medicare Supplement Plan You Need
Deciding on a Medicare Supplement plan depends on your eligibility, financial situation and personal factors like age, health and lifestyle. Consider these aspects to find the right coverage.
Eligibility
New enrollees can access all plans except C and F. Those eligible for Medicare before 2020 have the option to select from all 10 available plans.
Age, condition and lifestyle
Determine your coverage needs by considering your age, pre-existing conditions and lifestyle. Evaluate the likelihood of using different coverage options based on these factors. Consult with a medical professional and a Medigap or Medicare Supplement specialist to guide your decision.
Financial status
Regardless of your risk factors and coverage needs, your ability to afford coverage is important. Seek plans that align with your risk profile and remain within your budget.
How to Find the Best Montana Medicare Supplement Company
Once you've decided what plan is right for you, it's time to compare companies. Below, we detail the key factors to consider when choosing a Medicare Supplement provider in Montana to help you choose a reliable and affordable provider.
- 1
Customer Satisfaction and Complaints
Medicare Supplement consumers should look at customer satisfaction ratings to find the best providers. Resources like J.D. Power and the NAIC can quickly clarify which companies excel in this area.
- 2
Plan Pricing
To secure the best rate, compare plans by focusing on cost and customer service. Look at multiple providers to find the most affordable option that meets your needs.
- 3
Added Benefits
Some insurers offer extra incentives, like discounts on services and products, that can add value to your policy. These perks can sometimes make a more comprehensive plan more cost-effective.
Best Medigap Plans in Montana: Bottom Line
Our top three picks for the best Medicare Supplement insurance provider in Montana are Humana, State Farm and Aetna. However, to find the right plan for you, we recommend shopping around and comparing company reputations, benefits and pricing.
Medicare Supplement Plans in Montana: FAQ
Here are our team's expert answers about Medicare Supplement plans for Montana residents.
What is the best Medicare Supplement provider in Montana?
For the most popular Medigap plan in Montana, the best health insurance provider is Humana. The provider offers pricing that is 9.5% lower than the state average, making it the most affordable company in Montana.
What is the cost of Medicare Supplement plans in Montana?
Depending on your plan selection, pricing for Medicare Supplement plans in Montana can range from $783 to $3,286 per year. For the most popular plan in Montana, Plan G, average costs can range from $1,448 to $2,069 per year.
How We Decided the Best Medicare Supplement Companies in Montana
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. We used Medicare Supplement Plan G, which is the most popular plan nationwide, to determine the best and most affordable provider.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.