Best Medicare Advantage Plans in Montana for 2027
Every general-audience Medicare Advantage plan with drug coverage in Montana, ranked by what it could cost you in a bad year: 12 months of premiums, less any Part B giveback, plus the plan's in-network out-of-pocket maximum. Pick your county to see only the plans sold there.
Montana plans, ranked
Showing all 14 plans.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | HumanaChoice H5216-457 (PPO)Humana · PPO30 of 47 counties · drug deductible $500Dental up to $1,000/yr · eyewear $100/yr | $28 | $5,000 | $5,336 | 4★ |
| 2 | HumanaChoice H5216-089 (PPO)Humana · PPO8 of 47 counties · drug deductible $450Dental · eyewear $100/yr | $15 | $5,200 | $5,380 | 4★ |
| 3 | Humana Gold Plus H6622-007 (HMO)Humana · HMO24 of 47 counties · drug deductible $700Dental · eyewear $100/yr | $21 | $5,850 | $6,102 | 4★ |
| 4 | Humana Total Complete (HMO)Humana · HMO6 of 47 counties · drug deductible $700Dental up to $1,250/yr · eyewear $250/yr | $0 | $6,200 | $6,200 | 4★ |
| 5 | Humana Value Choice (PPO)Humana · PPO6 of 47 counties · drug deductible $500Dental up to $1,250/yr · eyewear $200/yr | $0 | $6,550 | $6,550 | 4.5★ |
| 6 | HumanaChoice H5216-457 (PPO)Humana · PPO6 of 47 counties · drug deductible $500Dental up to $5,000/yr · eyewear $250/yr | $0 | $6,550 | $6,550 | 4★ |
| 7 | Humana Full Access (PPO)Humana · PPO6 of 47 counties · drug deductible $700Dental up to $1,500/yr · eyewear $100/yr | $45 | $6,700 | $7,240 | 4.5★ |
| 8 | Humana Essentials Plus Giveback (PPO)Humana · PPO6 of 47 counties · drug deductible $700Part B giveback $47/mo · Dental up to $1,000/yr · eyewear $100/yr | $0−$47 Part B giveback | $8,400 | $7,836 | 4.5★ |
| 9 | HumanaChoice H5525-054 (PPO)Humana · PPO19 of 47 counties · drug deductible $700Dental · eyewear $100/yr | $70 | $7,150 | $7,990 | 4★ |
| 10 | HumanaChoice H5216-048 (PPO)Humana · PPO38 of 47 counties · drug deductible $700Dental · eyewear $100/yr | $97 | $7,000 | $8,164 | 4★ |
| 11 | Humana Gold Choice H8145-006 (PFFS)Humana · PFFS11 of 47 counties · drug deductible $700Dental up to $3,000/yr · eyewear $100/yr | $60 | $7,800 | $8,520 | 4★ |
| 12 | UHC MedicareDirect PF-0001 (PFFS)UnitedHealthcare · PFFS9 of 47 counties · drug deductible $685Dental up to $500/yr · eyewear $100/yr | $155 | $6,700 | $8,560 | 2.5★ |
| 13 | True West Rx 1 (PPO)Range Health · PPO3 of 47 counties · drug deductible $700Preventive dental up to $500/yr · eyewear $50/yr | $99.80 | $8,000 | $9,198 | Too new to rate |
| 14 | True West Rx 2 (PPO)Range Health · PPO6 of 47 counties · drug deductible $700Preventive dental up to $500/yr · eyewear $50/yr | $169 | $8,000 | $10,028 | Too new to rate |
Worst-case year = 12 × (monthly plan premium − any Part B giveback) + in-network maximum out-of-pocket, for covered Part A and B services. A giveback lowers the Part B premium you’d otherwise pay ($202.90 a month in 2026), so it counts as money back; a plan with a large giveback can show a worst-case year below $0. The Part B premium itself is the same for everyone, and drug costs are capped separately at $2,400 for 2027. Out-of-network care in PPO plans has a higher limit. Ties go to the lower premium. Other extras (dental, eyewear, hearing aids, over-the-counter allowance) are the yearly maximums each plan filed with CMS; they don’t change the order. Methodology
Before you enroll, check two things this ranking can’t: whether your doctors are in the plan’s network, and how it covers your drugs. Both are in the official Medicare Plan Finder. Star ratings are CMS’s 2027 quality scores (1 to 5) for the company contract behind each plan; they’re shown for context and don’t change the cost order.
Plans without drug coverage
These 5 plans don’t include Part D. They mainly suit people with drug coverage from elsewhere, such as the VA or TRICARE. Joining one generally means you can’t also join a stand-alone Part D plan, and going without creditable drug coverage can trigger a late enrollment penalty.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Humana USAA Honor Giveback (PPO)Humana · PPO38 of 47 countiesPart B giveback $113/mo · Dental up to $2,000/yr · eyewear $250/yr | $0−$113 Part B giveback | $6,750 | $5,394 | 4★ |
| 2 | UHC MedicareDirect Patriot No Rx PF-MA01 (PFFS)UnitedHealthcare · PFFS9 of 47 countiesPart B giveback $85/mo · Dental up to $500/yr · eyewear $100/yr · hearing aids $750/yr | $0−$85 Part B giveback | $6,700 | $5,680 | 2.5★ |
| 3 | Humana USAA Honor Giveback (PPO)Humana · PPO19 of 47 countiesPart B giveback $70/mo · Dental up to $1,750/yr · eyewear $250/yr | $0−$70 Part B giveback | $6,750 | $5,910 | 4★ |
| 4 | Humana USAA Honor Giveback (PPO)Humana · PPO38 of 47 countiesPart B giveback $108/mo · Dental up to $1,500/yr · eyewear $150/yr | $0−$108 Part B giveback | $9,150 | $7,854 | 4★ |
| 5 | True West No Rx 3 (PPO)Range Health · PPO9 of 47 countiesPreventive dental up to $500/yr · eyewear $50/yr | $149 | $6,750 | $8,538 | Too new to rate |
County pages
Flathead County · Gallatin County · Missoula County · Yellowstone County
Questions
How many Medicare Advantage plans are available in Montana for 2027?
CMS lists 14 general-audience Medicare Advantage plans with drug coverage in Montana for 2027, from 3 parent companies. Not every plan is sold in every county; use the county filter to see yours.
Are there $0 premium Medicare Advantage plans in Montana?
Yes. 4 of the 14 plans have a $0 monthly plan premium in 2027. You still pay the Part B premium ($202.90 a month in 2026).
Which Montana Medicare Advantage plan has the lowest worst-case cost?
HumanaChoice H5216-457 (PPO) from Humana: $28 a month with an in-network out-of-pocket maximum of $5,000, so at most about $5,336 in premiums and in-network costs for the year. It is offered in 30 of 47 counties.
Which Montana Medicare Advantage plans have 4 or more stars?
11 of the 14 plans belong to contracts CMS rated 4 stars or higher for 2027. Star ratings measure quality and member experience, not cost; the table shows each plan's rating next to its worst-case cost.
Which Montana Medicare Advantage plans have a Part B giveback?
1 of the 14 plans lower your Part B premium (a "giveback"), according to their 2027 benefit filings with CMS. The largest is $47 a month, from Humana Essentials Plus Giveback (PPO). A giveback plan isn't automatically cheaper: compare its worst-case year and its network.
What is the typical out-of-pocket maximum in Montana?
The median in-network out-of-pocket maximum among these plans is $6,700. CMS allows up to $9,850 in 2027.
Sources
- CMS, CY 2027 Medicare Advantage and Prescription Drug Plan Landscape (CY2027_Landscape_202609.csv), from cms.gov; extra benefits (Part B giveback, dental, eyewear, hearing aids, over-the-counter allowance) from the CMS CY 2027 Plan Benefit Package files, cms.gov, yearly amounts as each plan filed them; star ratings from the CMS 2027 Star Ratings Data Tables (October 8, 2026), cms.gov. Ratings are per contract, so plans under the same contract share one rating. General-audience plans only: Special Needs Plans, Cost plans and employer group plans are not ranked.
- CMS, 2026 Part B premium — cms.gov.
Educational information, not a recommendation to join any plan. We are not an insurance agent or broker, and we are not connected with or endorsed by the U.S. government or the federal Medicare program. Plan details can change; confirm with the plan or Medicare.gov. · Advertiser disclosure
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