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More than 240,000 people in Montana are signed up for Medicare.
Medicare is the government health care program for people age 65 and older. Medicare Advantage is a bundled alternative to Medicare that offers all the same benefits and usually some extras, such as cost savings on dental and vision coverage.
Medicare Advantage plans offer more benefits than Original Medicare, and they can be cheaper than paying for Medicare and a Medicare Supplement plan. However, they have less flexibility since you’ll need to get care from within the plan’s network of providers. Weigh your options to determine which plan best suits your needs.
What to know about Medicare in Montana
About 1 in 5 people in Montana are 65 and older, and the state offers a variety of Medicare and Medicare Advantage plans.
The average monthly premium in 2022 for a Medicare Advantage plan in Montana is $28.45. (It was $37.48 in 2021.)
There are 27 Medicare Advantage plans available in Montana in 2022. (There were 19 plans in 2021.)
All Medicare-eligible people in Montana have access to a $0-premium Medicare Advantage plan.
Medicare Advantage providers in Montana
Top-rated Medicare Advantage plans in Montana
Each year, the Centers for Medicare & Medicaid Services, or CMS, awards every Medicare Advantage plan a star rating on a scale of 1 to 5, with 5 being a top-rated plan. Below are providers with at least one plan that received top marks in Montana for the 2022 plan year. (Get more information about Medicare star ratings.)
4.5-star plan providers
There are no providers in Montana with plans rated 5 stars in 2022. The provider below offers plans in Montana that are rated 4.5 stars out of 5 by the CMS:
4-star plan providers
The providers below offer plans in Montana that are rated 4 stars out of 5 by the CMS:
Blue Cross and Blue Shield of Montana.
Medicare resources in Montana
Montana State Health Insurance Assistance Program, or SHIP: Offers free counseling for people with Medicare, their families or caregivers.
Montana State Auditor: Provides information and advocates for Montanans on retirement insurance.
Montana Department of Public Health and Human Services: Shares information on various health and assistance topics.
How to choose a Medicare Advantage plan
It’s crucial to ask a few questions as you’re shopping for the right plan. Here’s a quick checklist to help you consider your options:
How much are the plan’s costs? Do you understand what the plan’s premium, deductibles, copays and/or coinsurance will be? Can you afford them?
Is your doctor in-network? If you have a preferred doctor (or doctors) or hospital, make sure they participate in the plan’s network.
Are your prescriptions covered? If you’re on medication, understand how the plan covers it. What tier are your prescription drugs on, and are there any coverage rules that apply to them?
Is there dental coverage? Does the plan offer routine coverage for vision, dental and hearing needs?
Are there extras? Does the plan offer any additional perks, such as fitness memberships, transportation benefits or meal delivery?
You can use Medicare’s plan finding tool to compare plans in your area.
Medicare Advantage providers
Get more information below about some of the major Medicare Advantage providers. These insurers offer plans in most states. The plans you can choose from will depend on your ZIP code and county.
If you have additional questions about Medicare, visit Medicare.gov or call 800-MEDICARE (800-633-4227, TTY 877-486-2048).