2027 plan year · Montana
2027 Medicare Advantage plans in Cascade County, MT
17 plans from 3 insurers for 2027. 6 general plans have a $0 monthly premium. The lowest in-network out-of-pocket limit is $5,200.
- 13general plans
- 6$0-premium plans
- $5,200lowest out-of-pocket max
- 4.5 ★top star rating
- 4Special Needs Plans
2027 Medicare Advantage plans in Cascade County, MT
Sorted by Medicare star rating, then monthly premium and out-of-pocket limit. Premiums shown are the plan's own premium; you also keep paying your Part B premium.
| Plan | Monthly premium | Out-of-pocket max | Drug deductible | Star rating |
|---|---|---|---|---|
| Humana Value Choice (PPO) Humana · PPO · includes drug coverage | $0 | $6,550 | $500 | ★★★★★4.5 |
| Humana Essentials Plus Giveback (PPO) Humana · PPO · includes drug coverage | $0 | $8,400 | $700 | ★★★★★4.5 |
| Humana Full Access (PPO) Humana · PPO · includes drug coverage | $45 | $6,700 | $700 | ★★★★★4.5 |
| Humana Total Complete (HMO) Humana · HMO · includes drug coverage | $0 | $6,200 | $700 | ★★★★★4 |
| HumanaChoice H5216-457 (PPO) Humana · PPO · includes drug coverage | $0 | $6,550 | $500 | ★★★★★4 |
| Humana USAA Honor Giveback (PPO) Humana · PPO · no drug coverage | $0 | $6,750 | — | ★★★★★4 |
| Humana USAA Honor Giveback (PPO) Humana · PPO · no drug coverage | $0 | $9,150 | — | ★★★★★4 |
| HumanaChoice H5216-089 (PPO) Humana · PPO · includes drug coverage | $15 | $5,200 | $450 | ★★★★★4 |
| Humana Gold Plus H6622-007 (HMO) Humana · HMO · includes drug coverage | $21 | $5,850 | $700 | ★★★★★4 |
| Humana Gold Choice H8145-006 (PFFS) Humana · PFFS · includes drug coverage | $60 | $7,800 | $700 | ★★★★★4 |
| HumanaChoice H5216-048 (PPO) Humana · PPO · includes drug coverage | $97 | $7,000 | $700 | ★★★★★4 |
| True West Rx 1 (PPO) Range Health · PPO · includes drug coverage | $99.80 | $8,000 | $700 | Plan too new to be measured |
| True West No Rx 3 (PPO) Range Health · PPO · no drug coverage | $149 | $6,750 | — | Plan too new to be measured |
Special Needs Plans (SNPs)
Only for people who qualify: Dual-Eligible plans need both Medicare and Medicaid, Chronic Condition plans need a qualifying condition, and Institutional plans are for nursing home residents.
| Plan | Monthly premium | Out-of-pocket max | Drug deductible | Star rating |
|---|---|---|---|---|
| HumanaChoice SNP-DE H7617-036 (PPO D-SNP) Humana · PPO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $200 | ★★★★★4.5 |
| Humana Dual QMB Only (PPO D-SNP) Humana · PPO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $250 | ★★★★★4.5 |
| UHC Dual Complete MT-S001 (PPO D-SNP) UnitedHealthcare · PPO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $24.60 | $9,850 | $700 | ★★★★★4.5 |
| Humana Gold Plus SNP-DE H6622-008 (HMO D-SNP) Humana · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $700 | ★★★★★4 |
What changed from 2026 to 2027
- 2 plans are new here for 2027.
- 6 plans offered here in 2026 aren't listed for 2027 (for example Blue Cross Medicare Advantage Classic (PPO), Blue Cross Medicare Advantage Optimum (PPO), Blue Cross Medicare Advantage Choice Plus (PPO)). If yours is one of them, the plan should send you a notice explaining your options.
- Of the 15 plans offered both years, 5 raised the monthly premium and 4 lowered it.
Compared by plan ID. Plans that were renamed or merged into another plan may appear as new or ended.
Care quality in Cascade County
Medicare Advantage plans use networks. Before choosing, check that the hospitals and nursing homes you'd want are in the plan's network, and how they're rated.
Other coverage options
- Stand-alone Part D drug plans in Montana (for people with Original Medicare)
- Marketplace health plans in Cascade County (for people under 65 or not on Medicare)
- Medicare Advantage vs. Original Medicare
Frequently asked questions
How many Medicare Advantage plans are available in Cascade County, MT for 2027?
17 plans from 3 insurers: 13 general plans open to anyone with Medicare Parts A and B who lives here, plus 4 Special Needs Plans for people who qualify.
Are there $0-premium Medicare Advantage plans in Cascade County, MT?
Yes. 6 general plans have a $0 monthly plan premium for 2027. You still pay your Medicare Part B premium, and copays and coinsurance still apply.
What is the highest-rated Medicare Advantage plan in Cascade County, MT?
Humana Value Choice (PPO) from Humana has the top Medicare star rating here (4.5 stars). Star ratings are given to the insurer's contract, so several plans can share one.
Which plan has the lowest out-of-pocket maximum in Cascade County, MT?
HumanaChoice H5216-089 (PPO) caps in-network out-of-pocket costs at $5,200 for 2027.