What is the cheapest Medigap Plan G in Montana?

The lowest Medigap Plan G premium in Montana is about $138/month, across 28 carriers that offer Plan G in the state (the median is about $183/month). Because Plan G is standardized by the federal government, every carrier's Plan G covers exactly the same benefits — so the smart move is to buy the lowest-priced Plan G from a financially strong carrier. Your exact premium depends on your age, ZIP code, sex, and tobacco use.

Lowest Plan G rates in Montana

Data: carrier rate filings via The Pocket Protector. Retrieved 2026-07-30. Rates shown are the lowest available for each carrier and vary by age, ZIP, sex, and tobacco use. See exact quotes for your ZIP with our free tool below.

What the lowest Plan G rates in Montana look like in plain terms

The lowest-priced Plan G carriers in Montana are USAA Life Insurance Company at $138 per month, Bankers Life (Underwritten by Washington National Insurance Company) at $142 per month, and AFLAC at $152 per month. Each figure is the lowest premium that carrier currently files in Montana; your own premium depends on your age, ZIP code, sex, and tobacco use.

Across the 28 carriers selling Plan G in Montana, the lowest premium is $138 per month and the median is $183 per month. That is a gap of $45 a month — about $540 a year — between the cheapest Plan G in Montana and a middle-of-the-road one, for coverage that is identical by federal law. Comparing carriers in Montana is the only thing that closes that gap.

What Plan G covers in Montana

Medigap Plan G is standardized: a Plan G sold in Montana covers exactly what a Plan G sold anywhere else does, whatever the carrier charges. It works alongside Original Medicare (Parts A and B) and cannot be paired with a Medicare Advantage plan. In 2026 a Plan G in Montana pays:

• Your Part A hospital deductible — $1,736 per benefit period in 2026, which can apply more than once in a year
• Part A hospital coinsurance, plus 365 additional days after Medicare's end
• The 20% Part B coinsurance that Original Medicare leaves you to pay
• Skilled nursing facility coinsurance — $217 per day for days 21–100 in 2026
• Part B excess charges, if a provider bills above the Medicare-approved amount
• The first three pints of blood, and Part A hospice coinsurance
• Foreign travel emergency care at 80%, up to the policy limits

Plan G does not cover the annual Part B deductible — $283 in 2026 — which you pay yourself before Plan G begins. That single deductible is the only benefit difference between Plan G and the discontinued Plan F. Plan G also does not cover prescription drugs, so most people in Montana add a separate Part D plan.

A Plan G premium in Montana is on top of your Part B premium, which is $202.90/month in 2026 for most people and is paid to Medicare, not to the Medigap carrier. Budget for both.

Why Plan G premiums differ so much between carriers in Montana

Because the benefits are fixed by law, carriers in Montana compete only on price, service, and how steeply they raise rates later. What you are quoted in Montana moves with your age, your ZIP code, your sex, and whether you use tobacco. Carriers also choose how a premium rises over time: community-rated (everyone pays the same regardless of age), issue-age (fixed to your age when you bought it), or attained-age (rises as you get older). Attained-age policies in Montana often quote lowest at 65 and cost the most later, so the cheapest first-year premium is not always the cheapest over ten years — ask each carrier in Montana which method it uses and what its rate-increase history looks like.

When you can buy Plan G in Montana

Your Medigap open enrollment period runs six months from the first day of the month you are both 65 or older and enrolled in Part B. Inside that window a carrier in Montana must sell you any Plan G it offers at its standard rate — no health questions, no refusal for a pre-existing condition. It is the one stretch where the lowest premium in Montana is available to everyone, and it does not repeat.

After that window, most applications in Montana go through medical underwriting and a carrier can decline you, except where a federal guaranteed-issue right applies — losing employer coverage, for instance, or a Medicare Advantage plan leaving your area. Some states add their own protections on top of the federal ones; our Montana guide below covers what applies locally.

How to get your exact Plan G quote in Montana

Use our free Medigap comparison tool to see exact rates for your ZIP and age, or call 866-764-3312 to talk to a licensed advisor. Ready to enroll? Start here — it's free and there are no sales calls.

Common questions about Plan G in Montana

How much does Medigap Plan G cost in Montana?

The lowest Medigap Plan G premium in Montana is about $138 per month, across 28 carriers that offer Plan G in the state; the median is about $183 per month. Your exact premium depends on your age, ZIP code, sex, and tobacco use.

Which carrier has the cheapest Medigap Plan G in Montana?

As of 2026-07-30, USAA Life Insurance Company has the lowest published Plan G premium in Montana, from about $138 per month. Because Plan G is federally standardized, buying the lowest-priced Plan G from a financially strong carrier is the cost-efficient choice. Your own rate varies by age, ZIP, sex, and tobacco use.

Does the cheapest Plan G cover the same benefits as more expensive plans in Montana?

Yes. Plan G is standardized by the federal government, so every carrier's Plan G covers exactly the same benefits in Montana. The difference between a $138 plan and a more expensive one is price and the carrier's financial strength and service — not coverage.