There are 29,989 Great Falls, Montana, Medicare beneficiaries with Part A and B Medicare. Of these policyholders, 6,260 of these enrollees have a Medicare Advantage plan, while the other 23,729 take advantage of Fee-for-Service benefits.

Supplemental Medicare plans help Great Falls residents save on medical expenses.

Great Falls, Montana Supplemental Medicare Plans

Three supplemental Medicare options are available in Great Falls, Montana: Medicare Advantage, Part D plans, and Medigap. Of all participants, 52.65% are female, and 47.35% are male. The average enrollee age is 72.

The following quotes represent the costs a 70-year-old male in Great Falls would pay.

Average Medicare Advantage Plans in Great Falls, Montana

Despite only 6,260 individuals enrolling in a Medicare Advantage plan, highly affordable options and comprehensive plans are available with additional benefits. In Cascade County, where Great Falls is, there are 14 Medicare Advantage plans available.

Montana beneficiaries select BCBS of Montana’s Local PPO plan for its zero-dollar premium and $4,400 maximum out-of-pocket limits (MOOP).

Humana offers multiple zero-dollar premium policies with four stars and up to $6,700 or $4,400 MOOP.

Another Blue Cross Blue Shield of Montana Local PPO option has a $40 premium and a $4,200 maximum out-of-pocket cost. The plan is popular for its four-star performance and reputable carrier.

PLAN PREMIUM MOOP Plan Type Star Rating
BCBS of Montana $0 $4,400 LOCAL PPO 4
Humana $0 $6,700 LOCAL PPO 4
Humana $0 $4,400 LOCAL PPO 4
Humana $36.00 $5,000 HMO 4
BCBS of Montana $40.00 $4,200 LOCAL PPO 4

Cheapest Medicare Supplement Plans in Great Falls, Montana

Medigap plans are Great Falls, Montana, Medicare Supplement plans that cover costs that Original Medicare Parts A and B won’t cover.

Medigap Plan HDF is a policy with a low premium of $39 to a high premium of $77.15 per month. Patients who want a low-cost option can choose this plan to get full coverage benefits at a more affordable monthly cost than Plan F.

Medigap Plan G is another suitable option offering many benefits. Patients spend $115.95 to $402.08 monthly and get coverage for everything except the Part B deductible.

Montanans can also choose Medigap Plan HDG as the high-deductible alternative to Plan G. They’ll enjoy the same benefits that Plan G has but pay considerably lower premiums each month. Premiums start at $38.83 and go up to $92.29.

LETTER PLAN LOWEST PREMIUM HIGHEST PREMIUM
PLAN A $106.00 $354.47
PLAN B $140.94 $352.00
PLAN C $154.67 $421.00
PLAN D $150.81 $258.49
PLAN F $152.00 $423.25
PLAN HDF $39.00 $77.15
PLAN G $115.95 $402.08
PLAN HDG $38.83 $92.29
PLAN K $62.25 $129.00
PLAN L $76.83 $252.62
PLAN M $145.17 $258.98
PLAN N $97.17 $391.39

Affordable Medicare Part D in Great Falls, Montana

Medicare Part D gives Great Falls residents coverage for high-cost prescription medications. Some plans also include Durable Medical Equipment (DME). Prescription drug coverage comes with some Medicare Advantage plans but no Medigap plans.

A plan from Wellcare costs $10.60 each month and has a $480 deductible. This plan has a three-star rating and provides affordable copays for medications.

Humana’s plan costs $22.70 per month and has an impressive four-star rating. This plan also has a typical $480 deductible.

UnitedHealthcare provides a more expensive option for drug coverage at $29.30 per month. However, the plan has a four-star rating and a lower deductible of $310.

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 Great Falls, Montana

Special Needs Plans (SNPs) are Medicare Advantage plans for Great Falls beneficiaries with special needs or chronic, disabling conditions. Unfortunately, these plans aren’t available in every part of the state.

Humana’s HMO Special Needs Plan has no monthly premium and has a low MOOP of $3,450. This plan is available to dual-eligible beneficiaries with both Medicare and Medicaid enrollment.

PLAN PREMIUM MOOP Plan Type Eligibility
Humana $0 $3,450 HMO Dual

FAQs

How much does a Medigap policy cost in Great Falls, Montana?

Depending on your gender, age, and tobacco use history, your Great Falls, Montana, Medicare supplement premiums could be anywhere from $97.17 with Plan N to $423.25 with Plan F.

Is Plan G available in Great Falls, Montana?

Medigap Plan G is available from several carriers in Great Falls, Montana. How much you’ll pay depends on the part of the state you live in and several other factors.

Can I change my Medigap policy at any time in Great Falls, Montana?

You can change your Medigap policy during the Medigap Open Enrollment Period that starts after you turn 65. However, you must be a Part B enrollee to be eligible.

You can change plans later, but you could face a coverage denial. The good news is that you can’t get a coverage denial for pre-existing conditions or other carrier concerns during the Open Enrollment window.

What is the least expensive Medicare Supplement plan in Great Falls, Montana?

The least expensive Great Falls, Montana, Medicare Supplement plan is Plan N. Beneficiaries get excellent coverage at a low rate with this policy. For the cheapest premiums of all Medigap plans, consider Plan K.

Other affordable options include the high-deductible options for Plan F and Plan G.

Are Medigap premiums based on income in Great Falls, Montana?

Carriers do not base Medigap premiums on income. Instead, there are issue-age-rated plans that depend on your age when you first purchase the policy.

There are also attained-age-rated plans that go up in cost with your age and community-rated options that have no relation to age, giving everyone the same price.

How to Sign Up for Supplemental Medicare in Great Falls

Enrolling in a Great Falls, Montana, Medicare supplement plan is challenging if you don’t know the available options. You can get inside information on the top Medigap and Medicare Advantage plans by contacting Medigap.com. We can help you compare the top policies and available carriers for free.

No matter your policy requirements, we make it easy to find the best one and explain the enrollment process. The Medigap.com team is ready to assist with all your questions and help you sign up for supplemental Medicare.

Call us today, or take a moment to complete our easy and convenient online rate form to be connected with the best rates in your area.

Written By:
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Lindsay Malzone, Lindsay Malzone is the Medicare editor for Medigap.com. She's been contributing to many well-known publications 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.
Reviewed By:
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Rodolfo Marrero, Rodolfo Marrero is one of the co-founders at Medigap.com. He has been helping consumers find the right coverage since the site was founded in 2013. Rodolfo is a licensed insurance agent that works hand-in-hand with the team to ensure the accuracy of the content.