Medicare Supplement Insurance (Medigap) helps Montana seniors and eligible disabled residents pay for healthcare costs not fully covered by Original Medicare, including deductibles, copayments, and coinsurance. Residents of Montana may choose from up to 10 standardized Medigap plans: A, B, C, D, F, G, K, L, M, and N.
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Important: Plan F and Plan C are not available to beneficiaries who became eligible for Medicare on or after January 1, 2020.
Most Popular Medigap Plans in Montana
| Popularity Ranking | Plan | Total Enrollees |
|---|---|---|
| 1 | G | 40,828 |
| 2 | F | 40,541 |
| 3 | N | 6,342 |
Did you know? Montana is almost perfectly split between Plan G and Plan F — with only a few hundred enrollees separating them. This makes Montana one of the closest “tipping point” states in the nationwide shift from Plan F to Plan G.
How Medigap Pricing Works in Montana
Premiums for Medigap coverage may rise differently depending on how insurers price their plans. In Montana, policies may follow one of three rating methods:
- Attained-age rated – Premiums increase as you age.
- Issue-age rated – Premiums are based on your age when you purchase the policy and may rise with inflation, not age.
- Community rated – Everyone pays the same premium, regardless of age.
Under-65 Eligibility in Montana
Montana law requires insurers to offer all Medigap plans to beneficiaries under 65 who qualify due to disability or end-stage renal disease (ESRD). However, insurers may charge higher premiums to these beneficiaries than they charge to those who are 65 and older.
Choosing a Medigap Plan in Montana
Plan G has just edged out Plan F as the leading Medigap plan in Montana, but the race remains extremely close. Plan N is also gaining ground as a budget-friendly option. All Medigap policies are accepted nationwide by providers who take Medicare, ensuring Montanans have dependable coverage whether they receive care in Billings, Missoula, Bozeman, or across the U.S.
To explore premiums and compare plan options in your ZIP code, visit our Medigap rate comparison page.