Best Medicare Advantage Plans in Flathead County, MT for 2027
Every general-audience Medicare Advantage plan with drug coverage sold in Flathead County, ranked by what it could cost you in a bad year: 12 months of premiums, less any Part B giveback, plus the in-network out-of-pocket maximum.
Flathead County plans, ranked
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | HumanaChoice H5216-089 (PPO)Humana · PPO8 of 47 counties · drug deductible $450Dental · eyewear $100/yr | $15 | $5,200 | $5,380 | 4★ |
| 2 | Humana Gold Plus H6622-007 (HMO)Humana · HMO24 of 47 counties · drug deductible $700Dental · eyewear $100/yr | $21 | $5,850 | $6,102 | 4★ |
| 3 | 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★ |
| 4 | 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★ |
| 5 | 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★ |
| 6 | 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★ |
| 7 | 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★ |
| 8 | HumanaChoice H5216-048 (PPO)Humana · PPO38 of 47 counties · drug deductible $700Dental · eyewear $100/yr | $97 | $7,000 | $8,164 | 4★ |
| 9 | 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★ |
| 10 | 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 |
Worst-case year = 12 × (monthly plan premium − any Part B giveback) + in-network maximum out-of-pocket. The giveback is money back on the Part B premium ($202.90 a month in 2026), which is otherwise the same for everyone, so a large one can push the worst-case year below $0; drug costs are capped separately at $2,400 in 2027. Other extras are the yearly maximums each plan filed with CMS and don’t change the order. Methodology
What changed since 2026
- Plans with drug coverage: 21 in 2026, 13 in 2027.
- $0-premium plans: 12 in 2026, 6 in 2027.
- Median in-network out-of-pocket maximum: $6,500 in 2026, $6,750 in 2027.
- 8,703 people here were in a general-audience Advantage plan in October 2026; 2,546 of them are in a plan that ends or leaves the county for 2027 and must choose again.
From our 2026 vs. 2027 Medicare Advantage study (CMS landscape, enrollment and crosswalk files).
Before you enroll, check that your doctors are in the plan’s network and how it covers your drugs in the Medicare Plan Finder. Weighing Advantage against Original Medicare with a Medigap plan? Run the county calculator.
Also sold here without drug coverage: Humana USAA Honor Giveback (PPO), Humana USAA Honor Giveback (PPO), True West No Rx 3 (PPO).
Questions
How many Medicare Advantage plans are in Flathead County for 2027?
10 general-audience plans with drug coverage, 4 of them with a $0 monthly premium, compared with 21 plans and 12 $0-premium plans in 2026. Special Needs Plans aren't counted.
Which plan has the lowest worst-case cost in Flathead County?
HumanaChoice H5216-089 (PPO) from Humana: $15 a month with an in-network out-of-pocket maximum of $5,200, so at most about $5,380 for the year in premiums and in-network costs.
Do any Flathead County plans have a Part B giveback?
1 do. The largest is $47 a month off your Part B premium, from Humana Essentials Plus Giveback (PPO).
How many Flathead County plans have 4 or more stars?
9 of 10, based on CMS's 2027 ratings of the contract behind each plan.
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.
- County population: 2020 Census, via the USDA Rural-Urban Continuum Codes (2023).
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. · Advertiser disclosure
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