Montana · 2026 plan year
Medicare Advantage PPO plans in Montana
There are 22 Medicare Advantage PPO plans in Montana from 3 carriers, averaging 3.68 out of 5 stars across the 22 plans CMS has rated. Nearly all charge no monthly plan premium, so what separates them is network, drug coverage and how much you could owe in a bad year.
22
PPO plans
3
Carriers
41
Counties covered
3.7
Average stars
Varies
Avg out-of-pocket max
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.
Montana PPO plans rank 40th of 51 on star rating.
Across the 22 rated plans here the average overall rating is 3.68 stars, 40th highest of the 51 states with PPO plans. Ratings apply to the contract, so every plan a carrier files under one contract shares the same score.
Not sure whether Medicare Advantage suits you at all? Medicare Advantage vs Original Medicare covers the trade in plain language.
Highest rated
Top-rated PPO plans in Montana
| Plan | Stars | Out-of-pocket max | Premium / mo |
|---|---|---|---|
| Humana Essentials Plus Giveback H7617-024 (PPO)Humana | 4.5★ | — | $0 |
| Humana Full Access H7617-026 (PPO)Humana | 4.5★ | — | $0 |
| Humana Value Choice H7617-030 (PPO)Humana | 4.5★ | — | $0 |
| HumanaChoice SNP-DE H7617-036 (PPO D-SNP)Humana · Dual-Eligible SNP | 4.5★ | — | $0 |
| HumanaChoice SNP-DE H7617-037 (PPO D-SNP)Humana · Dual-Eligible SNP | 4.5★ | — | $0 |
Showing 5 of 22. See all MontanaMedicare Advantage plans →
Who sells here
PPO plans by carrier
| Carrier | Plans | Avg stars | SNPs |
|---|---|---|---|
| HumanaHumana Inc. | 11 | 4.0 | 2 |
| Blue Cross and Blue Shield of MontanaHealth Care Service Corporation | 6 | 3.5 | — |
| UnitedHealthcareUnitedHealth Group, Inc. | 5 | 3.3 | 1 |
Other plan types in Montana
How PPO compares
Nearby on quality
States with similar PPO star ratings
Common questions
Montana Medicare Advantage PPO plans, answered
How much do Medicare Advantage PPO plans cost in Montana?
Of the Montana PPO plans with a published premium, 86% charge $0 a month. 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 plan's out-of-pocket maximum — check it on each plan, since CMS does not publish it uniformly for PPO plans.
What are the star ratings for Montana PPO plans?
The 22 rated PPO plans in Montana average 3.68 out of 5 stars, with 6 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 PPO plans are available in Montana?
There are 22 PPO plans from 3 carriers, sold across 41 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. 3 of them are Special Needs Plans with extra eligibility rules (see below).
Do Montana PPO plans include prescription drug coverage?
22 of the 22 PPO plans here bundle Part D drug coverage into the plan. That is the usual arrangement for Medicare Advantage and there is no separate drug premium for it — the plan premium covers 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?
3 of the 22 PPO 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.
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