Best Medicare Supplement Plans in Montana (2026)

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Updated: June 10, 2026

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Key Takeaways
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Nassau provides Montana's cheapest Plan F rates while WMI Mutual offers the lowest Plan G and Plan N options.

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Montana's Medicare Supplement premiums run $38 to $482 monthly depending on which plan you choose and how old you are.

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Shop multiple carriers and review plan restrictions, benefits and availability to determine your best fit.

Best Medicare Supplement Plans in Montana

WMI Mutual leads for Plan G at $129 monthly and Plan N at $107 monthly. Nassau's Plan F costs $192 monthly for beneficiaries who enrolled in Medicare before 2020. The cheapest and most expensive Plan G in Montana differ by $35 monthly, $420 per year for identical coverage.

WMI Mutual's Plan G at $129 monthly saves $108 below the state average. Residents who want all 10 plan types should compare Transamerica's Plan G at $156 monthly. Pre-2020 enrollees can also access Plan F from Nassau at $192 monthly.

WMI Mutual A$96$92Attained Age Pricing
AetnaB$181$62Attained Age Pricing
Mutual of OmahaC$182$104Attained Age Pricing
TransamericaD$156$20Issue Age Pricing
Nassau F$192$127Attained Age Pricing
WMI Mutual G$129$108Attained Age Pricing
TransamericaK$74$23Issue Age Pricing
TransamericaL$109$53Issue Age Pricing
TransamericaM$135$0Issue Age Pricing
WMI Mutual N$107$100Attained Age Pricing

*Prices are for 65-year-olds.

WMI Mutual

WMI Mutual

MoneyGeek Rating
4.1/ 5
5/5Affordability
3.5/5Pricing Style
2.6/5Plan Availability

  • Average Plan G Rate

    $129

  • Plan Types

    A, G, N
Nassau

Nassau

MoneyGeek Rating
4.3/ 5
4.7/5Affordability
4/5Pricing Style
3.5/5Plan Availability

  • Average Plan G Rate

    $159

  • Plan Types

    A, F, G, N
Aetna Medicare

Aetna Medicare

MoneyGeek Rating
4.3/ 5
4.9/5Affordability
3.9/5Pricing Style
3.3/5Plan Availability

  • Average Plan G Rate

    $194

  • Plan Types

    A, B, F, G, N
Mutual of Omaha

Mutual of Omaha

MoneyGeek Rating
4.1/ 5
4.4/5Affordability
4/5Pricing Style
3.3/5Plan Availability

  • Average Plan G Rate

    $179

  • Plan Types

    A, C, F, G, N
Transamerica

Transamerica

MoneyGeek Rating
4.6/ 5
4.8/5Affordability
4.6/5Pricing Style
4.4/5Availability

  • Average Plan G Rate

    $156

  • Plan Types

    A, B, C, D, F, G, K, L, M, N

Best Medicare Supplement Plan G in Montana

WMI Mutual is Montana's cheapest Plan G carrier at $129 monthly, saving $108 below the state average. Old Surety and USAA follow at $137 and $138 monthly. Plan G covers all Medicare out-of-pocket costs except the Part B deductible.

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

WMI Mutual at $129 and Bankers Life at $164 provide identical Plan G benefits. That $35 monthly difference is entirely about carrier pricing, not coverage.

Best Medicare Supplement Plan F in Montana

Nassau's Plan F rate of $192 monthly is the lowest in Montana for beneficiaries who enrolled in Medicare before 2020, saving $127 below the state average or $1,522 yearly. Plan F eliminates all deductibles and copays. AFLAC and Wisconsin Physicians Service follow 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

Nassau's Plan F rate of $192 monthly is $17 below AFLAC, the next cheapest Montana option at $209. Montana Medicare beneficiaries who enrolled before 2020 get the lowest available Plan F rate from Nassau.

Best Medicare Supplement Plan N in Montana

WMI Mutual is Montana's cheapest Plan N carrier at $107 monthly, saving $100 below the state average. Montana Health Co-Op and Nassau follow at $113 and $122 monthly.

Plan N covers most Medicare costs with $20 copays for doctor visits and $50 for emergency room visits. Montana seniors who are in good health and visit doctors infrequently pay less with Plan N than with Plan G.

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

WMI Mutual, Montana Health Co-Op and Nassau all price within $15 monthly of each other. WMI Mutual's $107 monthly rate is lowest, but Montana Health Co-Op is a strong local alternative worth comparing before you decide.

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 ANo65$96$0Attained Age Pricing
United American ANo65$109$0Attained Age Pricing
Mutual of OmahaANo65$125$0Attained Age Pricing
Old Surety ANo65$130$0Issue Age Pricing
USAAANo65$131$0Attained Age Pricing
State FarmANo65$132$0Attained Age Pricing
Globe LifeANo65$138$0Attained Age Pricing
TransamericaANo65$146$0Issue Age Pricing
Montana Health Co-OpANo65$148$0Attained Age Pricing
Wisconsin Physicians Service ANo65$149$0Attained 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

The most useful comparison in this table is Plan G versus Plan N. The state average for Plan G runs $30 more per month than Plan N, $360 per year. At Montana's average Plan N premium, a beneficiary who visits the doctor fewer than 18 times per year saves money choosing Plan N over Plan G.

How to Choose the Best Medicare Supplement Plan

Choosing the right Medicare Supplement plan in Montana comes down to six factors. Work through them in order before comparing quotes.

  1. 1
    Assess Your Health Care Needs

    Your doctor visit frequency and travel habits should affect your plan choice. Plans with more coverage cost more each month. For people with ongoing medical conditions, the lower out-of-pocket costs often outweigh the higher premium over the course of a year.

  2. 2
    Compare Plan Types

    Plan G is the broadest coverage available to new Medicare enrollees. Plan N costs less each month, with $20 copays for doctor visits and $50 for emergency room visits.

    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.

  3. 3
    Get Quotes From Multiple Providers

    Get quotes from at least three companies before deciding. Insurers price identical Plan G coverage very differently: the cheapest Montana option is $129 monthly, the most expensive is $164, a $420 annual gap for the same benefits. In MoneyGeek's Montana rate analysis, no carrier leads across every plan type, so the cheapest option for Plan G is not the cheapest for Plan N or Plan F.

  4. 4
    Check Pricing Style

    Pricing structure affects your long-term costs more than the starting premium does. Issue Age locks your rate at enrollment. Attained Age pricing increases as you age. Community-Rated pricing charges everyone in your area the same amount. Most Montana carriers use Attained Age pricing. Of the five carriers reviewed here, only Transamerica uses Issue Age pricing, which is why it scores highest on MoneyGeek's pricing style dimension despite a higher starting Plan G rate.

  5. 5
    Check 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.

  6. 6
    Enroll 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. Missing the window means insurers can deny coverage or charge higher premiums based on your health history.

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.

Which Montana Medicare Supplement Plan Is Right for You?

For most Montana residents enrolling in Medicare at 65, WMI Mutual's Plan G at $129 monthly is the right starting point. It covers all Medicare costs except the Part B deductible, costs $108 less per month than the state average.

Montana residents who enrolled in Medicare before 2020 and qualify for Plan F should get a quote from Nassau first. At $192 monthly, Nassau's Plan F rate is $127 below the state average and $17 less than the next cheapest option. Plan F covers the Part B deductible Plan G does not. Among the 10 standardized Medicare Supplement plan types, Plan F is the most comprehensive.

Healthy Montana seniors who visit the doctor infrequently save more with Plan N. WMI Mutual's Plan N costs $107 monthly, $22 less than its own Plan G. The state average Plan N is $30 per month below Plan G. Montana seniors who see a doctor fewer than 18 times per year come out ahead with Plan N despite its copays.

Montana residents who want the broadest plan selection from one carrier should look at Transamerica. It carries all 10 standardized plan types and uses Issue Age pricing, which means your rate is set at enrollment rather than rising annually. Its Plan G at $156 monthly costs more than WMI Mutual's $129 but stays more predictable over a 10- to 20-year horizon.

Medicare Supplement Plans in Montana: FAQ

Montana residents frequently ask these questions about Medigap coverage.

When is Medicare Supplement open enrollment in Montana?

How do I know if Plan G or Plan N is the better choice for me?

Do you have to renew Medigap plans every year?

What's the difference between Medicare Supplement and Medicare Advantage?

What is the best Medicare Supplement plan for someone with ongoing health conditions?

Can you switch from Medicare Advantage to a Medicare Supplement plan in Montana?

Our Methodology

MoneyGeek collected Montana Medicare Supplement rate data in May 2026 for 65-year-olds and 75-year-olds across all carriers offering standardized plans in Montana. We used Medicare.gov's plan browsing tool to pull all rates. We evaluated carriers and 10 standardized plan types. 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, Licensed P&C Insurance Expert, MoneyGeek

Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.

He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.

Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.

Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). He began his career in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.

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