There are 119,341 Billings, Montana, Medicare beneficiaries receiving Original Medicare benefits. Of those nearly 120,00 enrollees, 99,602 get their coverage from fee-for-service Original Medicare, while 19,739 get the same benefits and more through a Medicare Advantage plan.

Billings, Montana’s Medicare Advantage participation rate is 16.5%, compared to the national average of 42.1%.

Billings, Montana Supplemental Medicare Plans

Medicare Advantage is a form of supplemental Medicare available nationwide, but it’s far from the only option Billings, Montana, Medicare enrollees have to expand their health coverage.

In the charts and sections below, we’ll examine four Medicare expansion options and their standard rates for female enrollees that just turned 65.

Average Medicare Advantage Plans in Billings, Montana

Billings, Montana, has 18 Medicare Advantage plans, more than anywhere else in the state.

Medicare Advantage might not be as popular in Billings, Montana, but it’s one of the country’s go-to supplemental Medicare options. Medicare Advantage comes with the benefits of Original Medicare but includes coverage for dental, vision, and hearing services.

PacificSource has one of Billings’ cheapest HMO plans. It includes $0 monthly premiums and an affordable $3,500 maximum out-of-pocket cost (MOOP).

Humana’s local PPO plan is another high-quality option. It also includes cost-free premiums but has a $4,400 MOOP.

UnitedHealthcare’s Local PPO Medicare Advantage plan comes with a similarly priced MOOP as Humana’s at $4,200. It also has a $35 monthly premium.

PLAN PREMIUM MOOP Plan Type Star Rating
Humana $0 $4,400 LOCAL PPO 4
PacificSource $0 $3,500 HMO 4
BCBS of Montana $0 $4,400 LOCAL PPO 4
PacificSource $0 $5,200 HMOPOS 4
UnitedHealthcare $35.00 $4,200 LOCAL PPO 4

Cheapest Medicare Supplement Plans in Billings, Montana

Medicare Supplement plans, which insurance companies commonly call “Medigap” plans, offer insurance on essential hospital services not covered in Original Medicare. Each Medigap plan has federal standardization, so they have the same benefits no matter where you enroll.

However, that standardization doesn’t apply to pricing, meaning the rates you receive will vary at each provider depending on several criteria.

Plan F is a highly popular Billings, Montana, Medicare Supplement plan. However, it contains more coverage than other Medigap plans, making it the most expensive on average. Premiums for Plan F range anywhere from $134.92 to $373.25 per month.

Plan G is another go-to Medigap option in Billings, Montana. It offers slightly less coverage than Plan F but has more affordable average premiums, ranging from $111.27 to $355.92.

Plan N is an excellent choice for Billings, Montana, Medicare enrollees needing additional inpatient and outpatient coverage at a discounted rate. It has fewer benefits than Plans F and G, but the premiums cost as little as $87.72 and as much as $346.95 per month.

LETTER PLAN LOWEST PREMIUM HIGHEST PREMIUM
PLAN A $88.00 $289.42
PLAN B $132.08 $312.25
PLAN C $152.00 $373.00
PLAN D $116.63 $206.90
PLAN F $134.92 $373.25
PLAN HDF $29.00 $69.27
PLAN G $111.27 $355.92
PLAN HDG $29.00 $81.13
PLAN K $46.64 $112.00
PLAN L $70.33 $224.12
PLAN M $114.54 $207.78
PLAN N $87.72 $346.95

Affordable Medicare Part D in Billings, Montana

Medicare Part D offers coverage for prescription medications. It’s one of the most popular forms of Billings, Montana, Medicare since Medigap plans don’t provide medication coverage, and only a handful of Medicare Advantage plans include it.

Aetna’s Part D plan comes with an affordable $6.80 monthly premium. It also has a deductible of $480 and a three-star coverage rating.

UnitedHealthcare’s plan comes with a more expensive premium than Aetna’s at $29.30 per month but a favorable $310 deductible. Its four-star rating also makes it one of Billings’ most well-regarded options.

Another four-star option in Billings comes from Humana. Their Part D plan has $22.70 monthly premiums and $480 annual deductibles.

PLAN PREMIUM DEDUCTIBLE STAR RATING
Aetna $6.80 $480 3
Wellcare $10.60 $480 3
Clear Spring $16.60 $480 2
Humana $22.70 $480 4
UnitedHealthcare $29.30 $310 4

Medicare Special Needs Plans in Billings, Montana

Medicare Special Needs Plans are Medicare Advantage plans with insurance for beneficiaries with chronic conditions or disabilities. Unfortunately, these plans aren’t widely available, and Billings has only two options. Both plans offer dual eligibility, but one plan is an HMO option while the other is a local PPO policy.

The HMO coverage comes from Humana. Their plan has cost-free premiums and a $3,450 MOOP.

UnitedHealthcare has the local PPO plan. It also has $0 premiums but a slightly higher $7,550 MOOP.

PLAN PREMIUM MOOP Plan Type Eligibility
Humana $0 $3,450 HMO Dual
UnitedHealthcare $0 $7,550 LOCAL PPO Dual

FAQs

Can Medigap premiums be deducted from Social Security in Billings, Montana?

Billings, Montana, Medicare enrollees can sign up for automatic Social Security deductions to cover their Medigap plans. You can also sign up for automatic deductions for Medicare Advantage and Medicare Part D.

Is Plan G available in Billings, Montana?

Medigap Plan G is available in Billings, Montana, and is one of the city’s most popular Medicare Supplement options. The costs for Medigap Plan G range from $111.27 to $355.92 per month.

How much does a Medigap policy cost in Billings, Montana?

Medigap premiums vary depending on which one you choose and where you apply. However, the average premium rates across all plans in Billings, Montana, range from $75 to $366 per month.

What is the difference between Plan N and Plan G in Billings, Montana?

Plan N requires you to pay your Original Medicare Part B deductible and copays for emergency room visits out-of-pocket, while Plan G covers those costs.

However, the trade-off is that Plan G is slightly more expensive than Plan N in Billings, Montana.

How to change my Medicare plan in Billings, Montana?

All you have to do to change to a Medicare Advantage plan is contact your new provider during an enrollment period. Your previous provider will automatically unenroll you when you switch to a new plan.

How to Sign Up for Supplemental Medicare in Billings

Medigap.com makes it easy to find your ideal Billings, Montana, Medicare supplemental plans. We work with all providers in the city and compare their rates for free so that you can find perfect coverage in minutes.

Complete our online rate form or call our agents to receive the best rates in your area.

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by Lindsay Malzone, Lindsay Malzone is the Medicare expert for Medigap.com. She's been contributing to many well-known publications as an industry expert since 2017. Her passion is educating Medicare beneficiaries on all their supplemental Medicare options so they can make an informed decision on their healthcare coverage.