Medicare Advantage in Montana

Looking for Montana Medicare Advantage Plans? Enter your ZIP below to compare affordable or $0 premium plans in your area.

Montana state

Information about Medicare Advantage Plans in Montana

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18 percent of Medicare beneficiaries in Montana were enrolled in a Medicare Advantage (Medicare Part C) plan in 2019.1

There are 194 different Montana Medicare Advantage plans in 2019.1 Not every plan is available in each county, so it's important to find out which ones are offered where you live.

A licensed insurance agent can help you compare the availability, benefits and costs of Medicare Advantage plans in your area of Montana. Read below to learn more about Medicare in your state.

You can also learn more about other types of Medicare plans:

Average costs of Medicare Advantage in Montana

The average Medicare Advantage premium in Montana in 2019 was $95 per month.

That average was affected by the 84 available plans that feature $0 monthly premiums.

  • Average monthly premium cost in 2019 (weighted): $95
  • Average in-network out-of-pocket spending limit: $6,002
  • Average deductible in 2019 (weighted): $407.591

Individual plan premiums, deductibles and out-of-pocket costs may vary greatly depending on where you live and the plan you have.

You can view the 2019 average Montana Medicare Advantage plan monthly premiums by county listed below in this guide.

A licensed insurance agent can help you compare Medicare Advantage plan costs in your area.

Compare Montana Medicare Advantage plan costs

Compare Plans

Or call TTY Users: 711 24/7 to speak with a licensed insurance agent.

Medicare Eligibility & Enrollment

If you want to enroll in Medicare Advantage in Montana, you must first be enrolled in Medicare Part A and Part B, often referred to as Original Medicare.

To be eligible for Original Medicare at age 65, you must meet the following requirements:

  • You must be a U.S. citizen or permanent legal resident who has lived in the U.S. for five continuous years.

  • You or your spouse must have worked long enough to be eligible for Social Security or Railroad Retirement benefits.

  • You or your spouse must be government employees or retirees who have not paid into Social Security but have paid Medicare payroll taxes.

You may also be eligible for Medicare benefits under 65 if:

  • You have been receiving Social Security disability benefits or certain Railroad Retirement Board disability benefits for at least 24 months.

  • You have ALS (amyotrophic lateral sclerosis, or Lou Gehrig's disease).

  • You have End-Stage Renal Disease (ESRD), and you or your spouse have paid Social Security taxes for a certain length of time.

It’s important to note that if you have ESRD, you may not qualify for most Medicare Advantage plans. If you have ESRD, you may be able to enroll in a Montana Medicare Special Needs Plan (SNP) that is specifically designed to help meet your health care needs.

How to sign up for a Medicare Advantage Plan in Montana

The first time you may be able to enroll in a Montana Medicare Part C plan is during your Medicare Initial Enrollment Period (IEP).

Medicare Initial Enrollment Period graphic

Your Medicare IEP starts three months before your 65th birthday. It includes the month of your 65th birthday and then continues for another three months after your birthday.

Additional times at which you may sign up for a Medicare Advantage plan include:

Medicare Advantage Open Enrollment Period graphic

Medicare Advantage Open Enrollment Period: January 1 – March 31

If you're already enrolled in a Part C plan, from January 1 to March 31 every year, you may switch Medicare Advantage plans or drop your Medicare Advantage plan and return to Original Medicare.

If you return to Original Medicare during this period, you'll be able to join a Medicare standalone prescription drug plan (Medicare Part D).

Medicare AEP graphic

Medicare Annual Enrollment Period (AEP): October 15 – December 7

From October 15 to December 7 every year, you may enroll in a Medicare Advantage plan or switch from one Medicare Advantage plan to another.

You may also drop your existing Medicare Advantage plan and return to Original Medicare.

During AEP, you may also join, switch or drop a Medicare Part D plan. 

Medicare Special Enrollment Periods (SEP)

You may potentially be granted a Medicare Special Enrollment Period (SEP) at any time throughout the year for qualifying circumstances.

A licensed insurance agent can help you find out if you qualify for a Medicare Special Enrollment Period.

Find a Montana Medicare Advantage plan

Compare Plans

Or call TTY Users: 711 24/7 to speak with a licensed insurance agent.

Top-rated Medicare Advantage Plans in Montana 2019

Each year, the Centers for Medicare & Medicaid Services (CMS) issues Star Ratings for all Medicare Advantage plans using a system of one to five stars.2

In order for a Medicare Advantage plan to be considered a top-rated plan, it must have four or more stars out of five stars.

There are 85 top-rated 2019 Medicare Advantage plans in Montana that are rated four stars or higher.

Medicare Star Ratings
Star Ratings

★★★★★

Excellent

★★★★

Above Average

★★★

Average

★★

Below Average

Poor

Medicare Advantage plans are rated in the following five categories:

  • Preventive care and health maintenance (screenings, tests, vaccines, etc.)
  • Management of chronic conditions
  • Member experiences and ratings of the plan
  • Member complaints, problems receiving services and member retention
  • Customer service

The information for the star ratings is gathered from information that is submitted to Medicare, Medicare’s regular monitoring activities and member surveys.

List of Medicare Advantage Plans Available in Montana in 2019

To view a list of plans offered in your area within Montana, use our plan comparison tool.

Find a Montana Medicare Advantage plan

Compare Plans

Or call TTY Users: 711 24/7 to speak with a licensed insurance agent.

Private insurance companies offer Medicare Advantage plans in Montana

Multiple insurance carriers may offer Medicare Advantage plans in Montana, depending on where you live.

Private insurance companies offer Medicare Advantage plans that may be unique to the plan area they serve.

Call to speak with a licensed insurance agent who can help you compare the Medicare Advantage plans that are sold by insurance companies in your area.

When you’re shopping for Medicare Advantage plans in Montana, you can compare plans from several different carriers by using some of the following information:

  • The Medicare Star Ratings can give you an idea of a plan’s overall quality.

  • Agencies like A.M. Best, Moody’s and Standard & Poor’s can provide information about an insurance company’s credit rating and financial standing.

  • Websites such as the Better Business Bureau and Consumer Reports can teach you about a company’s reputation among its customers.

  • You can read through Medicare Advantage plan reviews and testimonials from customers.

Montana Medicare Advantage plans by county

The chart below provides some more information about 2019 Montana Medicare Advantage plans by county.1

  • Yellowstone County was home to the highest number of top-rated 2019 MA plans (rated 4 stars or higher) in the state.
2019 MT Medicare Advantage by County
County Total of County MA Enrollees % of Medicare Beneficiaries Enrolled in MA Average Monthly Premium Number of Plans Available Number of $0 Premium Plans Available % Enrolled in a $0 Premium Plan
Beaverhead 258 10% $16 3 2 66.7%
Big Horn 226 11% $13 2 1 50.0%
Blaine Data not available 0% $0 1 1 100.0%
Broadwater 217 14% $19 4 2 50.0%
Carbon 635 21% $34 5 2 40.0%
Carter 23 6% $35 3 1 33.3%
Cascade 4647 25% $100 7 2 0.2%
Chouteau 210 16% $34 5 2 40.0%
Custer 139 5% $13 2 1 50.0%
Daniels 11 2% $35 3 1 33.3%
Dawson 86 4% $35 3 1 33.3%
Deer Lodge 360 12% $34 5 2 40.0%
Fallon 20 3% $35 3 1 33.3%
Fergus 633 19% $19 4 2 50.0%
Flathead 5776 23% $100 7 2 0.8%
Gallatin 3078 18% $100 3 1 1.6%
Garfield 13 4% $35 3 1 33.3%
Glacier 13 1% $0 1 1 100.0%
Golden Valley 62 19% $13 2 1 50.0%
Granite 118 11% $16 3 2 66.7%
Hill 23 1% $0 1 1 100.0%
Jefferson 488 15% $19 4 2 50.0%
Judith Basin 115 19% $37 4 2 50.0%
Lake 1398 18% $98 6 2 0.4%
Lewis and Clark 3216 20% $99 6 2 1.3%
Liberty 15 3% $16 3 2 66.7%
Lincoln 2097 27% $96 7 2 0.2%
Madison 210 8% $16 3 2 66.7%
McCone Data not available 0% $0 1 1 100.0%
Meagher 24 4% $16 3 2 66.7%
Mineral 217 13% $19 4 2 50.0%
Missoula 4359 18% $92 6 2 0.5%
Musselshell 208 14% $13 2 1 50.0%
Park 114 3% $0 1 1 100.0%
Petroleum 15 13% $35 3 1 33.3%
Phillips 55 5% $35 3 1 33.3%
Pondera 181 13% $34 5 2 40.0%
Powder River 36 8% $35 3 1 33.3%
Powell 168 10% $19 4 2 50.0%
Prairie 24 6% $35 3 1 33.3%
Ravalli 3108 23% $95 7 2 0.2%
Richland 12 1% $0 1 1 100.0%
Roosevelt 35 2% $35 3 1 33.3%
Rosebud 157 9% $41 3 1 33.3%
Sanders 694 16% $19 4 2 50.0%
Sheridan 56 6% $35 3 1 33.3%
Silver Bow 1236 15% $34 5 2 40.0%
Stillwater 512 20% $19 4 2 50.0%
Sweet Grass 141 14% $13 2 1 50.0%
Teton 465 28% $34 5 2 40.0%
Toole 19 2% $0 1 1 100.0%
Treasure 35 15% $13 2 1 50.0%
Valley 57 3% $20 2 1 50.0%
Wheatland 78 13% $13 2 1 50.0%
Wibaux Data not available 0% $0 1 1 100.0%
Yellowstone 7610 23% $87 8 3 1.5%

MT Medicare Advantage enrollees by plan type

The chart below illustrates the percentage of 2019 Montana Medicare Advantage enrollees that are enrolled in each primary type of Medicare Advantage plan.1

Plan type Percentage of Montana enrollees (2019)
Local PPO 96.75%
HMO 1.89%
Medicare MSA 1%
PFFS <1%
Other Plans <1%

The major types of Medicare Advantage plans include:

  • HMO
    Health Maintenance Organization (HMO) usually requires patients to use health care providers and pharmacies that are part of the plan’s network (except in the case of emergencies) while also typically requiring a referral from a primary care doctor in order to see a specialist.

  • PPO
    Medicare Advantage beneficiaries in a Preferred Provider Organization (PPO) are able to see providers outside of their plan’s network, often at a higher cost.

    Beneficiaries in this type of plan typically pay less out of pocket if they choose to receive medical services from providers within their plan’s network.

    PPO plans typically do not require patients to acquire a referral before visiting with a specialist.

  • PFFS
    A Private Fee-For-Service (PFFS) plan determines how much it will pay to health care providers and how much the patient will pay when care is received.

    With a PFFS plan, you can typically receive care from any doctor, hospital or health care provider that accepts your plan’s terms. Not all providers will accept these terms, however.

  • SNP
    A Special Needs Plan (SNP) is a type of Medicare Advantage plan limited to people with certain chronic conditions and other specific characteristics.

    Typically, you must receive care from health care providers and hospitals within your SNP network, except for in cases when you need emergency or urgent care and when someone who has End-Stage Renal Disease (ESRD) needs out-of-area kidney dialysis.

Not all of these types of plans may be available in your area. A licensed insurance agent can help you compare the types of 2019 Montana Medicare Advantage plans that are available where you live.

Local health insurance resources in Montana

  • Montana’s State Health Insurance Assistance Program provides free and confidential benefits counseling to the state’s Medicare beneficiaries, their families and their caregivers.

    The goal of this independent program is to educate, counsel, empower and advocate for Montana’s senior population and to help them make the best use of their Medicare insurance.

    The program may be contacted at 800-551-3191.

  • You can also explore more information about the insurance industry in Montana by visiting the state’s Commissioner of Securities and Insurance website.  

  • Montana Prescription Drug Assistance Programs
    The state of Montana has a number of programs designed to help with the cost of prescription drugs. There are programs for both Medicare beneficiaries and non-Medicare beneficiaries alike that can cover the cost of premiums and cost-sharing or even lower the cost of the drugs themselves.