Best Medicare Part D Plans in Montana for 2027
Every stand-alone Part D drug plan in Montana, ranked by a year of premiums plus the deductible. For use with Original Medicare; Medicare Advantage plans usually include drug coverage.
Montana drug plans, ranked
| # | Plan | Premium / month | Deductible | Premiums + deductible | Worst case | Stars |
|---|---|---|---|---|---|---|
| 1 | Wellcare Value Script (PDP)WellcareEnhanced benefit | $5.30 | $700 | $764 | $2,464 | 3★ |
| 2 | AARP Medicare Rx Saver from UHC (PDP)UnitedHealthcareBasic benefit · $0 premium with full Extra Help | $10.30 | $700 | $824 | $2,524 | 3★ |
| 3 | Wellcare Classic (PDP)WellcareBasic benefit · $0 premium with full Extra Help | $16.30 | $700 | $896 | $2,596 | 3★ |
| 4 | Humana Basic Rx Plan (PDP)HumanaBasic benefit · $0 premium with full Extra Help | $18.30 | $700 | $920 | $2,620 | 4.5★ |
| 5 | Humana Value Rx Plan (PDP)HumanaEnhanced benefit | $33.30 | $687 | $1,087 | $2,800 | 4.5★ |
| 6 | Humana Premier Rx Plan (PDP)HumanaEnhanced benefit | $123 | $350 | $1,826 | $3,876 | 4.5★ |
| 7 | HealthSpring Assurance Rx (PDP)Blue Cross and Blue Shield of IL, NM, OK, TXBasic benefit | $117.10 | $700 | $2,105 | $3,805 | 2.5★ |
| 8 | MedicareBlue Rx Standard (PDP)MedicareBlue RxBasic benefit | $179.10 | $700 | $2,849 | $4,549 | 3★ |
| 9 | AARP Medicare Rx Preferred from UHC (PDP)UnitedHealthcareEnhanced benefit | $222.90 | $300 | $2,975 | $5,075 | 3★ |
Premiums + deductible = 12 × monthly premium + annual deductible: roughly your cost in a year with modest prescriptions, before copays. Worst case = 12 × premium + the $2,400 out-of-pocket cap. Higher-income enrollees also pay an IRMAA surcharge. Methodology
Your drugs decide the real winner. Plans cover different drugs at different tiers and pharmacies. Enter your prescriptions in the Medicare Plan Finder to see each plan’s estimated cost for you. If your income is limited, check whether you qualify for Extra Help.
Questions
How many Part D plans are available in Montana for 2027?
CMS lists 9 stand-alone Part D prescription drug plans in Montana for 2027. Each is available statewide.
What is the cheapest Part D plan in Montana?
By premiums plus deductible, Wellcare Value Script (PDP) from Wellcare: $5.30 a month with a $700 deductible, about $764 for the year before other cost sharing. The cheapest plan for you depends on your drugs.
What is the most I can pay for drugs in 2027?
Out-of-pocket costs for covered Part D drugs are capped at $2,400 in 2027, in every plan. Premiums are on top of that cap.
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, CY 2027 Part D standard benefit parameters — cms.gov PDF.
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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