Medicare Advantage Plans in Montana 2026
Last reviewed: June 2026 · Data sourced from CMS.gov
Montana has one of the lower Medicare Advantage penetration rates in the country. Billings, Missoula, and Great Falls have the most options, but even these markets offer far fewer plans than a typical metro area in a larger state. Many Montana counties have only one or two plans available.
Plan availability varies by county. Enter your ZIP code to see the exact plans, premiums, and coverage available where you live in Montana.
Rural Coverage Note
Parts of Montana have limited Medicare Advantage plan availability. If you live in a rural county, you may find fewer plans or smaller provider networks. Comparing your options alongside Medicare Supplement plans is worth doing before you decide.
What to Look for in a Montana Medicare Advantage Plan
- ✓ Whether your current doctors and specialists are in-network
- ✓ Drug formulary — does it cover your prescriptions at a reasonable cost?
- ✓ Monthly premium and annual out-of-pocket maximum
- ✓ Extra benefits: dental, vision, hearing, fitness programs
- ✓ Star rating — CMS rates plans from 1 to 5 stars based on quality and member experience
- ✓ HMO vs. PPO — HMOs require referrals and restrict out-of-network care; PPOs are more flexible
2026 Medicare Advantage Costs in Montana
| Cost | Typical Range |
|---|---|
| Monthly premium | $0 to $50 (many plans at $0) |
| Annual out-of-pocket maximum | Up to $9,350 in-network (2026 CMS limit) |
| Primary care visit copay | $0 to $20 typical |
| Specialist visit copay | $20 to $50 typical |
| Inpatient hospital stay | $250 to $350/day for first few days (varies by plan) |
| Part B premium (always required) | $202.90/month standard (2026) |
Medicare Advantage vs. Medigap in Montana
Montana's sparse population and rural character make Medigap a particularly practical choice. With relatively few MA plans and limited network depth outside Billings and Missoula, many Montana beneficiaries rely on Medigap for predictable access to any Medicare provider.