The Best Montana Medicare Supplement Plans (2022)

Original Medicare policies can be supported by the 10 types of Medicare Supplement, also called Medigap, plans in Montana. Within the state, State Farm and Cigna rank as the best providers for the most popular plans. It is important to note that Medigap plans cannot be bought in tandem with any Medicare Advantage Plans in Montana or elsewhere, as the latter is meant to replace your entire Original Medicare policy.

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Last Updated: 6/23/2022
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In Montana, Medigap plans cost an average of $110 per month for 65-year-olds and $167 per month for 75-year-olds. Plan G, which has a monthly average cost of $118.80, and Plan F, which costs $158.30 per month on average, are the two most popular plans in the state due to their comprehensive coverage. However, Plan F is only available to individuals who qualified for Medicare before 2020.

Plan N stands as the next most popular plan in Montana. Costing an average of $101.70 per month, this plan has all the same coverages that Plan G and F do but does not cover excess charges.

While there are other Medigap plans on the market, MoneyGeek’s methodology focused on these three plans and examined their average premiums and benefits. If you’d like to learn more about the different types of plans and their coverages, you can review how to find the best Medicare Supplement plan type.

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Best Medicare Supplement Plans in Montana

Best Medicare Supplement Plan G in Montana

In Montana, the best provider for Plan G is State Farm. Their plans cost $119.42 per month on average for a 65-year-old.

Note that MoneyGeek’s rankings only account for companies that provide quotes online. You may be able to find other providers in your area who provide better plans or quotes that need to be contacted via phone or email.

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MoneyGeek Top Pick
State Farm
  • MoneyGeek Score: 80 out of 100
  • Average Monthly Rate: $119.42

State Farm is ranked as the best Medigap Plan G provider in Montana, charging an average of $119.42 per month. This is $24.58 less than the state average cost of $144 for the same plan.

Aside from offering your standard Plan G coverages, such as Part A and Part B coinsurance and deductibles, blood transfusions, hospice coinsurance and more, State Farm offers policyholders foreign travel emergency coverage. This can pay for the medical care you may need in a foreign country.

MORE ABOUT PLAN G IN MONTANA

Navigate to learn more about Medigap Plan G in Montana, including how much it costs on average, what providers are available and what it covers.

The Cost of Medicare Supplement Plan G in Montana

Medigap plan providers in Montana charge an average of $144 per month for Plan G, but rates can vary based on your insurer. For example, Humana is the cheapest provider for the same plan, with premiums averaging $109.20 per month, while UnitedHealthcare is the most expensive, charging $130.20 per month on average. This means you could save an average of $21 a month by comparing companies.

Aside from your provider, rates can also change depending on how old you are when you buy, your current age, discounts and medical underwriting factors.

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65

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  • Company
    Sample Monthly Rate
  • Humana
    $109
  • State Farm
    $119
  • Aetna
    $121
  • Cigna
    $123
  • UnitedHealthcare
    $130

Providers Offering Plan G in Montana

In Montana, seniors can choose from 32 Plan G providers — but not all of them provide quotes online. While this can make the search for the best provider tedious, MoneyGeek collected the contact information and pricing method of all Plan G providers in Montana to help you save time.

Providers Offering Plan G in Montana

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  • Company
    Contact Number
    Pricing Style
  • Aetna
    800-358-8749
    Attained Age
  • Americo
    888-220-7074
    Attained Age
  • Assured Life
    877-223-3666
    Attained Age
  • Bankers Fidelity
    1-866-458-7504
    Attained Age
  • Blue Cross Blue Shield of Montana
    1-800-447-7828
    Attained Age
  • Central States Health and Life Co. of Omaha
    800-826-6587
    Attained Age
  • Cigna
    1-855-891-9368
    Attained Age
  • Colonial Penn
    1-877-877-8052
    Attained Age

What Does Plan G Cover?

All Medicare Supplement plans in Montana are standardized, which means all providers must offer certain coverages. For Plan G, this means including coverage for hospice coinsurance, skilled nursing facility coinsurance and more. Plan G does not cover Part B deductibles and only covers 80% of foreign travel medical expenses incurred.

Providers are also able to offer additional features, such as State Farm’s foreign travel emergency coverage.

Required Benefits of Plan G in Montana
  • Medigap Benefit
    Does Plan G Cover?
  • Part A co-insurance and hospital costs up to an additional 365 days after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    No
  • Part B excess charge
    Yes
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plan F in Montana

Cigna is the best provider for Medigap Plan F in Montana, earning a MoneyGeek score of 90 out of 100. The company also offers a high-deductible version of the plan, which can help make premiums more affordable.

However, MoneyGeek’s rankings are limited as it only includes companies that provide quotes online. This means that there may be other providers in Montana that have better quotes or offers that were not factored into MoneyGeek’s rankings.

Keep in mind that Plan F is only available for those who were eligible for Medicare before January 1, 2020.

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MoneyGeek Top Pick
Cigna Medicare
  • MoneyGeek Score: 90 out of 100
  • Average Monthly Rate: $178.60

Charging an average of $178.60 per month for their Plan F, Cigna’s premiums are $20.30 more expensive than the state average cost of $158.30 per month for the same plan. However, Cigna also offers a high-deductible version of the plan, which is where you must pay for any Medicare-covered costs (coinsurance, copayments, and deductibles) up to a deductible of $2,490. In exchange, you will have a lower premium averaging $54.21 per month.

Cigna also offers a number of additional benefits, such as a Healthy Rewards program, Health Information line and foreign travel emergency coverage. Their Healthy Rewards program offers discounts of up to 25% on a variety of health and wellness products and services.

MORE ABOUT PLAN F IN MONTANA

Navigate to learn more about Medigap Plan F in Montana, including how much it costs on average, what providers are available and what it covers.

The Cost of Medicare Supplement Plan F in Montana

It costs seniors in Montana an average of $158.30 per month for Plan F, but actual rates depend on your provider. For example, Cigna has the most affordable premiums at an average of $116.40 per month for 75-year-olds, while UnitedHealthcare has the most expensive at an average of $284.40 per month. This is a difference of $168.

Providers also use other factors to calculate your premiums, which can change your rate. Your age when you first purchased a plan, your age now, discounts and medical underwriting factors are all taken into account.

Sort by Age:

65

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  • Company
    Sample Monthly Rate
  • Aetna
    $104

Providers Offering Plan F in Montana

There are 31 providers of Medigap Plan F in Montana, but only four of them provide quotes online. This means that other providers need to be contacted via call or email.

To help you save time, MoneyGeek gathered the contact information and pricing methods of all Plan F providers in Montana. This way, you can get quotes faster and determine which provider charges more depending on your age.

Providers Offering Plan F in Montana

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  • Company
    Contact Number
    Pricing Style
  • Aetna
    800-358-8749
    Attained Age
  • Americo
    888-220-7074
    Attained Age
  • Assured Life
    877-223-3666
    Attained Age
  • Blue Cross Blue Shield of Montana
    1-800-447-7828
    Attained Age
  • Cigna
    1-855-891-9368
    Attained Age
  • Colonial Penn
    1-877-877-8052
    Attained Age
  • Everence
    (800) 348-7468
    Attained Age
  • Federal Life
    800-960-1390
    Attained Age

What Does Plan F Cover?

All Medigap plans in Montana are standardized, which means all providers offer the same basic benefits.

Out of all plans available, however, Plan F is one of the most comprehensive, covering almost all costs that Original Medicare doesn’t cover. Plan F only covers 80% of medical expenses incurred during foreign travel. Insurers are also able to offer additional benefits, such as Cigna’s Healthy Rewards program and foreign travel emergency coverage.

Required Benefits of Plan F in Montana
  • Medigap Benefit
    Does Plan F Cover?
  • Part A co-insurance and hospital costs up to an additional year after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    Yes
  • Part B excess charge
    Yes
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plan N in Montana

The best Medicare Supplement plan N provider in Montana is Cigna, which earned a MoneyGeek score of 90 out of 100.

Keep in mind that MoneyGeek only considered companies with online quotes when ranking the best Medigap Plan N providers in Montana. This means that you may be able to find better plans or offers from other regional providers in the state that need to be contacted differently.

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MoneyGeek Top Pick
Cigna Medicare
  • MoneyGeek Score: 90 out of 100
  • Average Monthly Rate: $83.33

Cigna charges an average of $83.33 per month for their Plan N, which is $42.27 cheaper than the state’s average for the same plan. Aside from being affordable, Cigna also offers policyholders a range of other benefits, such as access to their Healthy Rewards program and Health Information line and foreign travel emergency coverage.

Cigna’s Health Rewards program is meant to help you take control of your health by granting a 25% discount on a variety of health and wellness products or services. This includes, but is not limited to, discounts for fitness club memberships, vision and hearing care, LASIK vision correction, hearing aids and physical therapy.

MORE ABOUT PLAN N IN MONTANA

Navigate to learn more about Medigap Plan N in Montana, including how much it costs on average, what providers are available and what it covers.

The Cost of Medicare Supplement Plan N in Montana

In Montana, the average cost of Plan N is $125.60, but actual rates will depend on your provider. For instance, Cigna stands as the most affordable Plan N insurer in Montana, with rates averaging $83.30 per month. On the other hand, Humana’s policy is the most expensive, costing an average of $131.10 per month. This means you could save up to $47.80 by comparing companies.

Premiums are also calculated based on various factors, such as how old you are when you buy, your current age, discounts you qualify for and certain medical underwriting factors.

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65

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  • Company
    Sample Monthly Rate
  • Cigna
    $83
  • Aetna
    $89
  • State Farm
    $92
  • UnitedHealthcare
    $114
  • Humana
    $131

Providers Offering Plan N in Montana

Montana has 30 Medigap Plan N providers, but only five of them can provide a quote online. The other companies can be to be contacted via phone or email.

It can be troublesome to look up each provider’s contact details, which is why MoneyGeek did it for you. Below is a list of all Plan N providers in Montana along with their contact details and pricing methods.

Providers Offering Plan N in Montana

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  • Company
    Contact Number
    Pricing Style
  • Aetna
    800-358-8749
    Attained Age
  • Americo
    888-220-7074
    Attained Age
  • Assured Life
    877-223-3666
    Attained Age
  • Blue Cross Blue Shield of Montana
    1-800-447-7828
    Attained Age
  • Central States Health and Life Co. of Omaha
    800-826-6587
    Attained Age
  • Cigna
    1-855-891-9368
    Attained Age
  • Colonial Penn
    1-877-877-8052
    Attained Age
  • Everence
    (800) 348-7468
    Attained Age

What Does Plan N Cover?

Across all Medigap plan providers, Plan N must be standardized and include certain benefits such as coinsurance and deductibles for Part A. Part B deductibles and excess charges, however, are not covered.

While all providers have to offer the same basic benefits, they can also add extra features. Cigna, for instance, gives policyholders access to their Healthy Rewards program, where they can get discounts on a variety of health and wellness services.

Required Benefits of Plan N in Montana
  • Medigap Benefit
    Does Plan N Cover?
  • Part A co-insurance and hospital costs up to an additional year after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    No
  • Part B excess charge
    No
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plans in Montana: Other Plan Types

Beyond the most popular Medigap plans available, seniors in Montana can purchase other types of Medigap plans such as Plans A, B, C, D, K and L. These plans come with less coverage, but may be suitable for seniors who have specific needs.

MoneyGeek evaluated the best provider for each plan type based on our criteria where online quotes are available. The best companies include UnitedHealthcare, Aetna, Humana, State Farm and Cigna.

Note that if you become eligible for Medicare after January 1, 2020, you cannot purchase Plan C in Montana or any other state.

The Best Medicare Supplement in Montana - Alternate Plans
  • Plan Type
    Best Plan
    Monthly Cost
  • A

    UnitedHealthcare

    $93.28

  • B

    Aetna

    $123.56

  • C

    Humana

    $265.03

  • D

    State Farm

    $119.08

  • F

    Cigna

    $178.60

  • G

    State Farm

    $119.42

  • K

    UnitedHealthcare

    $49.92

  • L

    UnitedHealthcare

    $99.04

  • N

    Cigna

    $83.33

How to Find the Best Medicare Supplement Plans in Montana

Finding the best Medigap plan in Montana will depend entirely on your needs — and this can change from year-to-year. To help you make an easier decision when you need to, MoneyGeek collected pricing data to create a Medicare Supplement plan comparison chart for Montana residents.

Montana Medicare Supplement Plans Comparison Chart

Medigap plans vary in their level of coverage, while some are only available depending on when you were eligible for Medicare. For instance, Plan F and Plan C cannot be purchased by new enrollees and have been replaced by Plan G and Plan D. Use the chart below to compare Medicare Supplement plans in Montana and find what suits your needs best.

Medicare Supplement Comparison Chart
Coverage
A
B
C
D
F
G
K
L
M
N

Part A co-insurance and hospital costs up to an additional 365 days after Medicare benefits are used up

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Part B co-insurance or copayment

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Blood (first 3 pints)

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Part A hospice care co-insurance or copayment

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Skilled nursing facility care co-insurance

No

No

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Part A deductible

No

Yes

Yes

Yes

Yes

Yes

50%

75%

50%

Yes

Part B deductible

No

No

Yes

No

Yes

No

No

No

No

No

Part B excess charge

No

No

No

No

Yes

Yes

No

No

No

No

Foreign travel exchange (up to plan limits)

No

No

80%

80%

80%

80%

No

No

80%

80%

The Cost of Medicare Supplement Plans in Montana

The cost of Medigap plans in Montana depends on your plan type and chosen provider. Case in point, the most affordable provider for Plans K and L is UnitedHealthcare, while for Plan B it is Aetna. For Plan G and C, Humana is the cheapest, and for Plan D it is State Farm. Lastly, for Plan N and F, Cigna is the most affordable insurer.

Beyond your plan type, providers also have certain pricing methods.

  • Attained-Age: This pricing method is the most common among Montana providers. Using this pricing strategy, Medigap plan providers calculate your premiums according to your current age, which is your "attained" age. Over time, your rates will rise as you get older.
  • Issue-Age: Under issue-age pricing, insurers calculate your premium based on your current age when you sign up for your plan. Next to attained-age pricing, issue-age is the next most popular.
  • Community-Rated: Community-rated plans are where providers charge customers the same premium regardless of their age. While this pricing type is uncommon in Montana, providers offer this nevertheless.
Average Cost of Medicare Supplement in Montana

Sort by Plan Letter:

A

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  • Company
    Sample Monthly Rate
  • UnitedHealthcare
    $93
  • State Farm
    $96
  • Aetna
    $121
  • Cigna
    $126
  • Humana
    $133

FAQs About Medicare Supplement Plans in Montana

To understand Medigap plans in Montana better, take a look at the most commonly asked questions below.

Methodology

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.

MoneyGeek’s scoring system weighted affordability 75% and benefits 25%. A Medigap provider received 5% for every benefit, up to a maximum of 25%.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.


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