by Russell Noga | Updated September 6th, 2023
If you’re retired in Montana, you probably have Original Medicare Parts A & B to assist you with managing your annual healthcare costs. You’re also aware that Medicare only covers 80% of your annual medical and hospital expenses.
It would help if you had a Medicare supplement plan (Medigap) to assist with settling the remaining 20% of out-of-pocket costs.
Plans F, G, & N are the most popular of the ten plans available. The cost of the plan varies depending on your location, age, gender, and other like variables.
This article gives insight into the best Medicare supplement plans Montana offers. We give you the average pricing from the top-rated insurers and information on the cheapest premiums for Plans F, G, and N.
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Our team can help you find the right Medigap plan for 2024 for your needs.
Contact our fully licensed agents at 1-888-891-0229 for a free consultation.
We work with all the leading insurers, and we’ll get you the best rates on any Medigap plan in Big Sky Country.
Or you can fill out the contact form, and our experts will call you back. Our site has an automated quoting tool to help you find the cheapest premium for any plan.
The Best Healthcare Insurers for Medicare Supplement Plans Montana
Private healthcare insurers offer Medigap policies in Montana and across the United States. They all have standardized benefits for their plans, but the rates charged for monthly premiums vary between insurers.
Our research shows the following providers offer the best deals on Medigap premiums.
- Aetna
- Americo
- Assured Life
- Bankers Fidelity
- Blue Cross Blue Shield of Montana
- Central States Health and Life Co. of Omaha
- Cigna
- Colonial Penn
Humana has the best deal on Plan G, Aetna is the best choice for the most affordable Plan F, and Cigna offers you the lowest premiums for Plan N.
- Best Plan G – Humana
- Best Plan F – Aetna
- Best Plan N – Cigna
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Medicare Supplement Plan F Montana – Aetna
31 insurers in Montana offer Plan F with the monthly average across all providers being $158.30. Aetna is the most affordable option with monthly premiums of $104, and Cigna is the most expensive at $158.30 monthly.
So, you can save $20.30 on your premium by going with Aetna over Cigna. Still, Cigna offers better perks, including discounted rates with health and wellness providers in its network and discounted gym memberships.
UnitedHealthcare is the most expensive insurer, with average monthly premiums of $284.40, saving you $168 monthly if you go with Aetna.
Here are the average monthly premiums for Plan F with the top-rated providers. (Rates based on a 65-year-old female nonsmoker).
- Aetna: $104
- Cigna: $116.40
- UnitedHealthcare: $284.40
What Does Plan F Cover?
Plan F offers the most comprehensive coverage, including the Part B deductible of $226.
However, Plan F isn’t available for seniors eligible for Medicare after January 1, 2020. You’ll have to go with Plan G if you want the most comprehensive coverage.
- Part A coinsurance and hospital costs up to an extra 365 days after Medicare benefits expire.
- Part B coinsurance or copayments.
- Blood (first 3 pints).
- Part A hospice care coinsurance or copayments.
- Skilled nursing facility care coinsurance.
- Part A deductible.
- Part B deductible.
- Part B excess charges.
- 80% of foreign travel exchange (up to plan limits).
Medicare Supplement Plan N Montana – Cigna
30 insurers in Montana offer Plan N, with the market average being $125.60 across all providers.
The best option for Plan N is Cigna, charging monthly premiums of $83.33. Humana is the most expensive provider, with premiums averaging $131.10 per month, saving you $47.80 if you go with Cigna.
The Cigna Healthy Rewards program offers you a 25% discount on health and wellness products and services for its partner network. You get discounts on gym memberships, hearing and vision care, LASIK treatments, hearing aids, and physiotherapy.
Here are the average premium costs from the top-rated providers in the state for a 65-year-old female nonsmoker.
- Cigna: $83
- Aetna: $89
- State Farm: $92
- Humana: $131
What Does Plan N Cover?
Plan N offers you low premiums, but you’ll have to make copayments at the doctor ($20) and the hospital ($50, waived if admitted).
- Part A coinsurance and hospital costs up to an additional year after Medicare benefits expire.
- Blood (first 3 pints).
- Part A hospice care coinsurance or copayments.
- Skilled nursing facility care coinsurance.
- Part A deductible.
- 80% of foreign travel exchange (up to plan limits).
Plan N doesn’t cover Part B excess charges when visiting doctors who charge more than Medicare-approved rates (Medicare Assignment rates). It also doesn’t cover the Part B deductible.
What Do Plans G & N Not Cover?
No Medigap plan offers coverage for stays at long-term nursing facilities, private duty nursing, or physiotherapy. You also don’t get options for coverage for vision, hearing, and dental.
However, some insurers offer these services as additional benefits. You get discounted rates or coverage for an additional fee.
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What are the Best Alternate Medicare Supplement Plans in Montana?
You have options for less comprehensive Medigap plans in Montana.
Aetna is the lowest cost provider of Plan B, Humana is best for Plan C, and State Farm is the lowest cost insurer for Plan D.
Here are the average premiums for a 65-year-old female nonsmoker.
- Plan B – Aetna: $123.56
- Plan C – Humana: $265.03
- Plan D – State Farm: 119.08
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Frequently Asked Questions
What are the top-rated Medicare Supplement plans in Montana?
The top-rated Medicare Supplement plans in Montana include Plan F, Plan G, and Plan N.
What does Medicare Supplement Plan F cover?
Medicare Supplement Plan F covers deductibles, copayments, and coinsurance associated with Medicare Part A and B. It also covers excess charges and provides coverage for skilled nursing facility care.
What are the benefits of Medicare Supplement Plan G?
Medicare Supplement Plan G offers similar coverage to Plan F, except it doesn’t cover the Medicare Part B deductible. It provides comprehensive coverage for hospital stays, doctor visits, and other medical services.
How does Medicare Supplement Plan N work?
Medicare Supplement Plan N covers most of the same benefits as Plan G but requires you to pay a small copayment for doctor’s office visits and emergency room visits. It offers cost-sharing features that can help reduce premium costs.
Are the rates for Medicare Supplement plans fixed?
Yes, the rates for Medicare Supplement plans in Montana are determined by insurance companies. However, rates may vary based on factors such as age, gender, and health status.
Can I switch Medicare Supplement plans in Montana for 2024?
Yes, you can switch Medicare Supplement plans in 2024. However, it is important to note that you may be subject to medical underwriting, which could affect your eligibility and premium rates.
Are there any enrollment periods for Medicare Supplement plans in Montana for 2024?
Unlike Medicare Advantage or Part D plans, there are no specific enrollment periods for Medicare Supplement plans in Montana. You can generally apply for a Medicare Supplement plan at any time throughout the year.
Can I keep my Medicare Supplement plan if I move to a different state from Montana?
Yes, you can generally keep your Medicare Supplement plan if you move to a different state from Montana. However, it’s recommended to contact your insurance provider to ensure your coverage remains in effect and to check if there are any changes in premiums or plan options.
Are prescription drugs covered by Medicare Supplement plans in Montana?
No, Medicare Supplement plans do not cover prescription drugs. You would need to enroll in a separate Medicare Part D prescription drug plan to get coverage for medications.
How can I find the best Medicare Supplement plan in Montana for 2024?
To find the best Medicare Supplement plan in Montana just give us a call today at 1-888-891-0229.
Find the Right Medicare Plan for You
Finding the perfect Medicare plan doesn’t have to be stressful. Whether it’s a Medigap plan, or you have questions about Medicare Advantage or Medicare Part D, we can help.
Reach out today at 1-888-891-0229 and one of our knowledgeable, licensed insurance agents will be happy to assist you!
Russell Noga is the CEO and Medicare editor of Medisupps.com. His 15 years of experience in the Medicare insurance market includes being a licensed Medicare insurance broker in all 50 states. He is frequently featured as a featured as a keynote Medicare event speaker, has authored hundreds of Medicare content pages, and hosts the very popular Medisupps.com Medicare Youtube channel. His expertise includes Medicare, Medigap insurance, Medicare Advantage plans, and Medicare Part D.