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Montana · 2027 plan year

Medicare Advantage PPO plans in Montana

There are 17 Medicare Advantage PPO plans in Montana from 3 carriers, averaging 4.21 out of 5 stars across the 14 plans CMS has rated. 47% of those with a published premium charge $0 a month (8 of 17); beyond the premium, what separates them is network, drug coverage and how much you could owe in a bad year.

17
PPO plans
3
Carriers
38
Counties covered
4.2
Avg stars (14 of 17 rated)
$7,000
Median out-of-pocket max

Across the 17 PPO plans in Montana that publish one, the in-network out-of-pocket maximum has a median of $7,000 and tops out at $9,850 — the ceiling on what you pay in a year for covered in-network care. The mean is $7,500, 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.

Humana files 76% of Montana's PPO plans.

13 of the 17 PPO plans in Montana come from a single carrier. Plan counts can make a market look wider than it is — these are counted by the carrier's consumer brand, so plans filed through different legal entities of the same company are grouped together rather than appearing as separate competitors.

Most PPO plans in Montana rate 4 stars or better.

14 of 17 plans here carry an overall rating of at least 4 stars. Where ratings cluster this high they stop being a useful way to sort plans — network, drug coverage and out-of-pocket limits will separate these more than the star count will.

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

PlanStarsOut-of-pocket maxPremium / mo
Humana Value Choice (PPO)Humana4.5★$6,550$0
Humana Full Access (PPO)Humana4.5★$6,700$45
Humana Essentials Plus Giveback (PPO)Humana4.5★$8,400$0
Humana Dual QMB Only (PPO D-SNP)Humana · Dual-Eligible SNP4.5★$9,850$0
HumanaChoice SNP-DE H7617-036 (PPO D-SNP)Humana · Dual-Eligible SNP4.5★$9,850$0

Showing 5 of 17. See all MontanaMedicare Advantage plans →

Who sells here

PPO plans by carrier

CarrierPlansAvg starsSNPs
HumanaHumana Inc.134.22
Range HealthGemstone Holdings, Inc.3——
UnitedHealthcareUnitedHealth Group, Inc.14.51
Other plan types in Montana

How PPO compares

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

All MontanaMedicare Advantage plans →

Nearby on quality

States with similar PPO star ratings

New Hampshire
4.25★ average
14 PPO plans
Pennsylvania
4.20★ average
137 PPO plans
New Jersey
4.20★ average
39 PPO plans
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, 47% 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 $7,000 across these plans.
What are the star ratings for Montana PPO plans?
The 14 rated PPO plans in Montana average 4.21 out of 5 stars, with 14 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 17 PPO plans from 3 carriers, 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. 3 of them are Special Needs Plans with extra eligibility rules (see below).
Do Montana PPO plans include prescription drug coverage?
13 of the 17 PPO 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?
3 of the 17 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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