2026 Medigap Plans in Montana: Costs, Carriers, and Plan Options
Medicare Supplement plans in Montana, also known as Medigap, provide standardized coverage but vary significantly in price by carrier. Sample data across 10 insurers shows monthly premiums starting around $42 and exceeding $1,689 depending on plan type and pricing structure. Even when coverage is identical, differences in rating methods and discounts can lead to wide variation across insurers.
Medicare Supplements work alongside Original Medicare and are one of several Medicare coverage options available in Montana. Visit Medicare Options in Montana to compare other Medicare plan types and coverage choices.
Updated: .
Key Takeaways
- Medigap benefits are standardized by plan letter, but pricing varies across carriers.
- Plan G and Plan N are commonly selected options in Montana.
- Premiums can differ significantly even for identical coverage.
- Household discounts and pricing models influence monthly costs.
- Carrier strength (A.M. Best rating) may vary at similar price levels.
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What Medigap Costs Look Like in Montana
Sample pricing data shows that Medigap premiums in Montana typically range from about $42 to $1,689 per month, depending on the plan letter and carrier. Lower-cost options are often associated with higher cost-sharing plans like Plan K, while more comprehensive plans such as Plan G generally have higher premiums.
Comparing Plan G and Plan N
Plan G offers the most comprehensive coverage available to new Medicare beneficiaries, covering nearly all out-of-pocket costs except the Part B deductible. Plan N typically has lower premiums but includes copays for certain services, making it a common alternative for cost-conscious enrollees.
Sample Plan G Pricing in Montana
Plan G typically ranges from $113 to $1,078.
| Carrier | Plan | Low | High |
|---|---|---|---|
| AARP - UnitedHealthcare | G | $151 | $699 |
| Allstate | G | $113 | $709 |
| Cigna | G | $129 | $1,078 |
Sample Plan N Pricing in Montana
Plan N typically ranges from $86 to $756.
| Carrier | Plan | Low | High |
|---|---|---|---|
| AARP - UnitedHealthcare | N | $131 | $520 |
| Allstate | N | $86 | $537 |
| Cigna | N | $91 | $756 |
Sample Plan F Pricing in Montana
Plan F typically ranges from $86 to $756.
| Carrier | Plan | Low | High |
|---|---|---|---|
| AARP - UnitedHealthcare | F | $192 | $727 |
| Allstate | F | $140 | $876 |
| Cigna | F | $202 | $1,689 |
Carrier Differences in Medigap Pricing
Medigap plans provide the same core benefits across carriers, but premiums can vary. These differences are typically related to how insurers price their policies, offer discounts, and manage rate changes over time.
Factors That Influence Medigap Pricing in Montana
- Carrier-specific pricing strategies and rate structures
- Age-based pricing models, such as issue-age and attained-age
- Regional differences within Montana
- Availability of household discounts
- Tobacco use and associated rating adjustments
Bottom Line
Medigap plans in Montana are best compared by separating standardized plan benefits from carrier-specific pricing and discounts. Sample data can help establish realistic expectations, but actual premiums depend on individual rating factors and carrier selection.
MedicarePlans.com is an independent, non-government informational resource and is not affiliated with or endorsed by 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. Read our Data sources and methodology documentation for details.
- Medicare.gov, Find a Medigap policy that works for you — Last accessed May 4, 2026
- Medicare.gov, "What's Medicare Supplement Insurance (Medigap)?" — Last accessed May 5, 2026
- Medicare.gov, "Compare Medigap Plan Benefits" — Last accessed May 5, 2026
MedicarePlans.com is an independent, non-government informational resource and is not affiliated with or endorsed by 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. Read our Data sources and methodology documentation for details.
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.