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%.
Medicare plans in Billings, Montana
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.
The charts and sections below we’ll examine four Medicare expansion options and their standard rates for female enrollees that just turned 65.
Medicare Advantage plans
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 in Billings, Montana, comes with the benefits of Original Medicare but includes coverage for dental, vision, and hearing services.
PacificSource has one of the area’s 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 has a similar MOOP to Humana’s at $4,200. It also has a $35 monthly premium.
The average cost of Medicare Advantage plans in Billings, Montana
| 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 | HMO-POS | 4 |
| UnitedHealthcare | $35.00 | $4,200 | LOCAL PPO | 4 |
Medicare Supplement plans
Medicare Supplement plans, which insurance companies commonly called “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 monthly.
The average cost of Medicare Supplement plans in Billings, Montana
| 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 |
Medicare Part D prescription drug plans
Billings, Montana, Medicare Part D plans offer 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.
The average cost of Medicare Part D plans in Billings, Montana
| 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 |
Special Needs plans
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 programs offer dual eligibility, but one 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.
The average cost of Medicare Special Needs plans in Billings, Montana
| PLAN | PREMIUM | MOOP | Plan Type | Eligibility |
| Humana | $0 | $3,450 | HMO | Dual |
| UnitedHealthcare | $0 | $7,550 | LOCAL PPO | Dual |
How to sign up for Medicare plans in Billings
Medigap.com makes finding your ideal Billings, Montana, Medicare supplemental plans easy. 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.
