SimpliveraCoverage Companion
Montana · 2027 plan year

Medicare Advantage HMO plans in Montana

There are 3 Medicare Advantage HMO plans in Montana from 1 carrier, averaging 4.00 out of 5 stars across the 3 plans CMS has rated. 66% of those with a published premium charge $0 a month (2 of 3); beyond the premium, what separates them is network, drug coverage and how much you could owe in a bad year.

3
HMO plans
1
Carriers
38
Counties covered
4.0
Average stars
$6,200
Median out-of-pocket max

Across the 3 HMO plans in Montana that publish one, the in-network out-of-pocket maximum has a median of $6,200 and tops out at $9,850 — the ceiling on what you pay in a year for covered in-network care. The mean is $7,300, which sits above the median — the spread is not symmetric, so the median is the better guide.

A $0 plan premium is not a free plan. You still pay your Part B premium to Medicare, plus copays and coinsurance as you use care. Star ratings are published by CMS per contract, so every plan a carrier files under the same contract shares one rating — it describes the carrier’s performance, not this specific plan’s benefits. Estimate your real costs.

One insurer sells every Medicare Advantage HMO plan in Montana.

All 3 HMO plans here come from Humana. With the field this narrow, the decision is mostly about which plan design inside that network fits your care — so start by confirming your doctors and hospitals are in it.

Montana has one of the smallest Medicare Advantage HMO markets in the country.

There are 3 HMO plans here from 1 insurer, against an average of about 77 per state. Fewer options makes the comparison quicker, but it also means one plan's network or drug list can decide the whole choice.

Not sure whether Medicare Advantage suits you at all? Medicare Advantage vs Original Medicare covers the trade in plain language.

Highest rated

Top-rated HMO plans in Montana

PlanStarsOut-of-pocket maxPremium / mo
Humana Gold Plus H6622-007 (HMO)Humana4★$5,850$21
Humana Total Complete (HMO)Humana4★$6,200$0
Humana Gold Plus SNP-DE H6622-008 (HMO D-SNP)Humana · Dual-Eligible SNP4★$9,850$0

Showing 3 of 3. See all MontanaMedicare Advantage plans →

Who sells here

HMO plans by carrier

CarrierPlansAvg starsSNPs
HumanaHumana Inc.34.01
Other plan types in Montana

How HMO compares

HMO
4.0★ avg · 1 carriers
3 plans · you are here
PPO
4.2★ avg · 3 carriers
17 plans

All MontanaMedicare Advantage plans →

Nearby on quality

States with similar HMO star ratings

North Carolina
4.03★ average
122 HMO plans
New Hampshire
4.00★ average
6 HMO plans
Colorado
3.96★ average
81 HMO plans
Common questions

Montana Medicare Advantage HMO plans, answered

How much do Medicare Advantage HMO plans cost in Montana?
Of the Montana HMO plans with a published premium, 67% charge $0 a month. The monthly premium is what you pay the plan for its medical (Part C) and drug (Part D) coverage together. A $0 premium does not mean the plan is free: you still pay your Part B premium to Medicare, plus copays and coinsurance as you use care. The number that actually caps a bad year is the in-network out-of-pocket maximum, with a median of $6,200 across these plans.
What are the star ratings for Montana HMO plans?
The 3 rated HMO plans in Montana average 4.00 out of 5 stars, with 3 rating 4 or better. CMS rates a contract rather than an individual plan, so every plan a carrier files under the same contract shares one score. A contract that is too new or has too little data is not rated at all, which is different from rating badly.
How many Medicare Advantage HMO plans are available in Montana?
There are 3 HMO plans from 1 carrier, sold across 38 counties. Availability is set by county, so the plans you can actually join depend on where you live — the full list is rarely available in any one place. 1 of them are Special Needs Plans with extra eligibility rules (see below).
Do Montana HMO plans include prescription drug coverage?
3 of the 3 HMO plans here bundle Part D drug coverage into the plan. That is the usual arrangement for Medicare Advantage, and you pay one monthly premium to the plan — but that premium has a medical (Part C) part and a drug (Part D) part, and the drug part is often what makes it more than $0. Each plan's page shows both. If you join a Medicare Advantage plan without drug coverage, you generally cannot add a standalone Part D plan alongside it.
What is a Special Needs Plan, and are there any in Montana?
1 of the 3 HMO plans in Montana are Special Needs Plans. SNPs limit enrollment to people who also have Medicaid, live in a nursing home or similar institution, or have a qualifying chronic condition. They often carry richer benefits for that group, but if you do not meet the criteria you cannot join one — so the real number of plans open to you may be lower than the total.

A $0 premium is not the whole cost.
See what a year really looks like.

Simplivera models your actual annual costs across Montana Medicare Advantage plans.

Estimate my costs — it’s free →