Best Medicare Advantage Plans in Montana

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More than 240,000 Montana residents are enrolled in Medicare. Medicare is the government health insurance plan for those 65 and older. Medicare Advantage is a bundled alternative to Original Medicare that typically provides additional benefits, such as dental and vision coverage savings. Medicare Advantage plans offer more benefits than Original Medicare and can be less expensive. Let us help you find the best Medicare Advantage Plans in Montana.

Carefully consider your options to determine which plan meets your needs the best.

With Medicare Advantage, you can get all the same benefits as traditional Medicare, plus some extra help, like saving money on dental and vision coverage.

Medicare Advantage plans usually offer more benefits than Original Medicare while also being more affordable than Original Medicare plus a Medicare Supplement plan. But because you have to get your medical treatment from a provider who is part of the plan’s network, they give you less freedom. Think about all of your options so that you can figure out which strategy will help you the most.

Because private insurance companies sell Medicare Advantage Plans, there is a possibility that each plan’s premiums and additional benefits, if any, will be different from the others. Because of this, you should look into all your options before deciding on one.

This guide has all the information you need about Montana’s best Medicare Advantage Plans.

Medicare Advantage Plans in Montana

Compare the ratings of the several insurance companies that offer the best Medicare Advantage Plans in Montana.

Insurance company	Medicare rating	A.M. Best rating	BBB rating	NCQA rating	J.D. Power ranking
Blue Cross Blue Shield	3.8 stars	A – B++	A+	2.5 to 4.5 stars	Sixth and ninth out of 10
Cigna	4 stars	A-	Not rated	2.5 to 4.5 stars	Seventh out of 10
Humana	4 stars	A-	A+	1.5 to 4.5 stars	Third out of 10
United Healthcare	3.5 stars	A-	A-	4 stars	Fourth out of 10

Medicare Advantage providers in Montana

1. Blue Cross and Blue Shield of Montana
2. Exemplar Health
3. Pacific Source Medicare
4. United Healthcare
5. Humana
6. Lasso Healthcare

Top-rated Medicare Advantage plans in Montana

The Centers for Medicare & Medicaid Services, also known as CMS, evaluates each Medicare Advantage plan on an annual basis and assigns it a star rating between 1 and 5, with 5 representing the best possible plan. Here is a list of the Montana insurance companies with at least one highly rated plan for the 2022 plan year.

In 2022, Montana does not have any providers offering 5-star plans. In Montana, Humana is a provider that offers plans that have received 4.5 stars out of a possible 5.

4-star plan providers

The CMS gave the following 4 out of 5 stars for their plans in Montana:

1. Blue Cross and Blue Shield of Montana,
2. Humana
3. PacificSource, Medicare
4. United Healthcare

 Medicare resources in Montana

• SHIP: SHIP stands for the State Health Insurance Assistance Program in Montana. Free counseling is made available to people who have Medicare and their families and caregivers.

• The State Auditor of Montana:  It educates the people of Montana on their retirement options and advocates on their behalf.

• The Montana Department of Public Health and Human Services is responsible for information about other health and help topics.

How to Choose a Medicare Advantage Plan

While purchasing a plan, it’s important to ask a few questions. Here’s a short list to help you think about your choices:

• What does the plan cost? 
• Do you know what the plan’s premium, deductible, co-pays, and or coinsurance will be? 
• Do you have the money?
• Is your doctor part of the plan? (Make sure that your favorite doctor (or doctors) and hospitals are part of the plan’s network.)
• Are you paying for your prescriptions? (If you take medication, you should understand how your insurance will cover it.)
• What coverage rules apply to your prescription drugs, and where do they fall on the tier?
• Is there coverage for teeth? 
• Does the plan cover everyday needs for your eyes, teeth, and ears?
• What else is there? 
• You can compare plans in your area using Medicare’s tool to find plans.

Enrollment and Eligibility for Medicare Advantage Plans in Montana

You are eligible for Medicare if you are at least 65 years old or younger than 65 but have a disability that meets the requirements. A person must have at least one of the following problems to be considered disabled:

1. You’ve been getting disability payments from Social Security or the Railroad Board for 24 months.
2. You have Lou Gehrig’s disease, also called Amyotrophic Lateral Sclerosis (ALS).
3. You have kidney disease.

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