2026 Medicare Advantage Plans in Lincoln County, MT
Last update: . Enrollment data updated: May 2, 2026
For 2026, Lincoln County, MT includes 10 Medicare Advantage plans. Enrollment across these plans totals approximately 2,995, with 4 $0 premium options and 0% rated 4 stars or higher.
This page and its statistics exclude Medicare Advantage Special Needs Plans (SNPs). Special Needs Plans in Lincoln County, MT are summarized separately. Visit Medicare Options in Lincoln County, MT to see more options.
Medicare Advantage PPO Plans
Preferred Provider Organization (PPO) plans allow members to choose care from both in-network and out-of-network providers. Out-of-network care usually costs more, but PPOs offer greater flexibility in how members access care.
- Total PPO Plans
- 8
- Average Monthly Premium
- $44.13/mo
- Total PPO Enrollment
- 1,960
- $0 Premium PPO Plans
- 4
- Average MOOP
- $6,763
- Top PPO by Enrollment
- HumanaChoice H5216-457 (PPO) — 1,064 enrollees
- PPO Plans Without Drug Coverage
- 3
| Plan Name | CMS Stars* | Premium/Mo | MOOP | Rx Ded. | CMS ID |
|---|---|---|---|---|---|
| Blue Cross Medicare Advantage Classic | $74 | $6,500 | $450 | H0107-003-0 | |
| Blue Cross Medicare Advantage Optimum | $128 | $4,700 | $300 | H0107-004-0 | |
| Humana USAA Honor Giveback | $0 | $9,150 | N/A | H5216-427-5 | |
| Humana USAA Honor Giveback | $0 | $6,750 | N/A | H5216-278-3 | |
| Humana USAA Honor Giveback | $0 | $6,750 | N/A | H5525-031-0 | |
| HumanaChoice H5216-048 | $87 | $6,750 | $615 | H5216-048-0 | |
| HumanaChoice H5216-457 | $0 | $6,500 | $400 | H5216-457-2 | |
| HumanaChoice H5525-054 | $64 | $7,000 | $615 | H5525-054-0 |
- What is the average monthly premium for PPO plans in Lincoln?
- PPO plans in Lincoln cost $44.13 per month on average.
- Which PPO plan has the highest enrollment in Lincoln?
- The most popular PPO plan in Lincoln is HumanaChoice H5216-457 (PPO), with 1,064 enrollees.
- How many PPO plans in Lincoln do not include prescription drug coverage?
- 3 PPO plans in Lincoln do not include prescription drug coverage.
Medicare Advantage HMO Plans
Health Maintenance Organization (HMO) plans are built around a defined network of doctors and hospitals. Care is generally covered only within the network, except in emergencies, but this structure often results in lower premiums and out-of-pocket costs.
| Plan Name | CMS Stars* | Premium/Mo | MOOP | Rx Ded. | CMS ID |
|---|---|---|---|---|---|
| Humana Gold Plus H6622-007 | $18 | $5,700 | $615 | H6622-007-0 |
What is the total number of HMO plans offered in Lincoln?
There are 1 HMO plans in 2026, covering 781 enrollees.
How much do HMO plans cost in Lincoln?
The average HMO premium in Lincoln is $18.00 per month, with 0 plans offering $0 premiums.
What is the top HMO by enrollment in Lincoln?
Humana Gold Plus H6622-007 (HMO) is the top HMO in Lincoln, with 781 enrollees.
What is the number of HMO plans without Part D coverage in Lincoln?
0 HMO plans in Lincoln do not include prescription drug coverage.
Medicare Advantage PFFS Plans
Private Fee-for-Service (PFFS) plans allow members to visit any Medicare-approved provider that accepts the plan’s payment terms. This provides flexibility in choosing doctors and hospitals, but provider acceptance should be confirmed before receiving care.
- Total PFFS Plans 1
- Average Monthly Premium $37.00/mo
- Total PFFS Enrollment 254
- $0 Premium PFFS Plans 0
- Average MOOP $6,800
- Top PFFS by Enrollment Humana Gold Choice H8145-006 (PFFS) — 254 enrollees
- PFFS Plans Without Drug Coverage 0
| Plan Name | CMS Stars* | Premium/Mo | MOOP | Rx Ded. | CMS ID |
|---|---|---|---|---|---|
| Humana Gold Choice H8145-006 | $37 | $6,800 | $615 | H8145-006-0 |
What is the top PFFS plan in Lincoln?
Humana Gold Choice H8145-006 (PFFS) is the top PFFS in Lincoln, with 254 enrollees.
What is the number of PFFS plans without Part D coverage in Lincoln?
0 PFFS plans in Lincoln do not include prescription drug coverage.
CMS quality ratings for Medicare Advantage plans in Lincoln County, MT (2026) are summarized below.
| Rating Category | Number of Plans | Percent of Plans |
|---|---|---|
| 5 Stars | No 5-star plans available. | 0% |
| 4 Stars (includes 5 Stars) | 0 | 0% |
| 3 Stars | 10 | 100% |
| Below 3 Stars | 0 | 0% |
| Not Rated | 0 | 0% |
| Average Rating | 3.5 | |
* CMS assigns Medicare Advantage star ratings annually based on plan quality and performance measures.
- CMS.gov, Medicare Advantage Landscape Source Files — Last accessed May 2, 2026
- CMS.gov, Medicare Part C & D Performance Data — Last accessed May 2, 2026
- CMS.gov, Medicare Advantage & Part D Contract and Enrollment Data — Last accessed May 2, 2026
All plan counts, enrollment totals, averages, and percentage distributions are calculated at the county level using CMS data and include standard Medicare Advantage (MA/MAPD) plans only, based on a consistent aggregation methodology.
Data sources and methodology documentation .
- Medicare.gov, "Understanding Medicare Advantage Plans" — Last accessed 25 May, 2025
- Medicare.gov, "Compare Original Medicare & Medicare Advantage" — Last accessed 25 May, 2025
- NCOA.org, "5 Steps to Choosing the Right Medicare Plan for You" — Last accessed 25 May, 2025
MedicarePlans.com is an independent informational resource and has no affiliation with, or endorsement from, the U.S. Government or the federal Medicare program.
Data provenance is documented in accordance with the U.S. Core Data for Interoperability (USCDI) Provenance standard .
Page content independently curated and maintained by David W. Bynon, Editorial Steward, using a standardized, data-driven methodology for accurate, non-commercial Medicare plan interpretation and resolution.