Medicare Advantage
Humana Medicare Advantage in Montana for 2027: 17 Plans, County by County
HELENA — For the 2027 plan year, Humana is one of three carriers offering Medicare Advantage plans somewhere in Montana, with 17 plans listed statewide in the federal CMS Landscape files. Whether any one of those plans is sold in your county is a separate question, and the answer depends on where you live. This explainer, from an independent Medicare education site that is not the government and not affiliated with any insurance carrier, walks through what the 2027 files show for Humana in Montana and how to check your own address before the December 7, 2026 deadline.
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Key takeaways
- Humana lists 17 Medicare Advantage plans statewide in Montana for 2027, but each plan is sold county by county, so your address determines what you can actually choose.
- Of Humana's 17 Montana plans, 14 include drug coverage and 3 are Dual Eligible Special Needs Plans (D-SNPs) for people with both Medicare and Medicaid.
- The Annual Enrollment Period for 2027 runs October 15 through December 7, 2026, and the choice you make takes effect January 1, 2027.
- Plan details — premiums, copays, networks, drug lists and star ratings — are not in this article; confirm them on Medicare.gov or by calling 1-800-MEDICARE.
| Fact | Figure | Source |
|---|---|---|
| Part B standard monthly premium (2026) | $202.90 | Medicare.gov |
| Part D out-of-pocket cap (2026) | $2,100 | CMS |
| Part D out-of-pocket cap (2027) | $2,400 | CMS |
| Annual Enrollment Period (for 2027 coverage) | October 15 – December 7, 2026 | Medicare.gov |
| Medicare Advantage Open Enrollment Period | January 1 – March 31 | Medicare.gov |
Area counts are for the county as a whole and are not a recommendation of any plan. Program figures are set nationally.
What is Humana offering across Montana for 2027?
Humana lists 17 Medicare Advantage plans in Montana for the 2027 plan year, according to the CMS Medicare Advantage Landscape Source File. The mix is 3 HMO plans, 13 PPO plans and 1 PFFS (Private Fee-for-Service) plan. Fourteen of the 17 include Part D prescription drug coverage; the remaining three are offered without drug coverage.
Three of the 17 are Special Needs Plans, all of them D-SNPs designed for people who qualify for both Medicare and Medicaid. Humana lists no Chronic Condition SNPs (C-SNPs) and no Institutional SNPs (I-SNPs) in Montana for 2027.
For context from the same CMS file, Montana has 23 Medicare Advantage plans statewide across all carriers for 2027, offered by Humana and two other carriers. The full carrier-by-carrier breakdown appears in the tables on this page.
Which Humana plans reach the most Montana counties in 2027?
The Humana plans with the broadest county footprints in Montana for 2027 each appear in 38 counties, according to the CMS Landscape file. Those include Humana Dual QMB Only (PPO D-SNP), HumanaChoice SNP-DE H7617-036 (PPO D-SNP), HumanaChoice H5216-048 (PPO), and two separate contract listings of Humana USAA Honor Giveback (PPO).
Other Humana plans in Montana have narrower reach. Humana Gold Plus SNP-DE H6622-008 (HMO D-SNP) is listed in 37 counties and HumanaChoice H5216-457 (PPO) in 30 counties, while Humana Gold Plus H6622-007 (HMO) appears in 24. A third USAA Honor Giveback (PPO) listing and HumanaChoice H5525-054 (PPO) are each shown in 19 counties, Humana Gold Choice H8145-006 (PFFS) in 11, HumanaChoice H5216-089 (PPO) in 8, and several renamed plans — Humana Essentials Plus Giveback (PPO), Humana Full Access (PPO), Humana Total Complete (HMO), Humana Value Choice (PPO) and a second HumanaChoice H5216-457 (PPO) listing — in 6 counties. The complete reach-by-plan list is in the tables above.
What is new or not returning from Humana in Montana for 2027?
Humana has 0 new Medicare Advantage plans in Montana for 2027 and 0 plans that are not returning, based on the CMS Landscape Source Files comparing 2026 and 2027. Several existing plans do carry new names for 2027 — for example, Humana Dual QMB Only (PPO D-SNP) was previously HumanaChoice SNP-DE H7617-037 (PPO D-SNP), and Humana Essentials Plus Giveback (PPO), Humana Full Access (PPO), Humana Total Complete (HMO) and Humana Value Choice (PPO) were listed under longer H-contract names in 2026. A renamed plan is still the same CMS contract, but members will see the new name on 2027 materials.
How do I check whether a Humana plan is offered in my Montana county and covers my doctors and prescriptions?
To confirm whether any of Humana's 17 Montana plans is available at your address for 2027, use the Medicare Plan Finder at medicare.gov or call 1-800-MEDICARE (TTY 1-877-486-2048), available 24 hours a day, seven days a week. A plan listed statewide in the CMS file may not be sold in your specific county.
When you look a plan up, three checks matter: whether the plan is offered in your ZIP code, whether your doctors, clinics and preferred hospitals are in the plan's network for 2027, and whether your prescriptions are on the plan's 2027 formulary at a pharmacy you can reach. Each plan's Evidence of Coverage and provider and pharmacy directories — available from Humana directly — are the authoritative source for benefits, costs and coverage rules.
What should Montana Medicare beneficiaries do before December 7, 2026?
The Annual Enrollment Period for 2027 runs October 15 through December 7, 2026, and any choice you make during that window takes effect January 1, 2027. If you want to keep your current coverage and it is being renewed, you don't have to do anything; if you want to switch, add drug coverage, or move between Original Medicare and Medicare Advantage, December 7, 2026 is the date to work backward from.
A short checklist for Medicare Open Enrollment 2027: read the Annual Notice of Change your current plan sends in the fall; list your current prescriptions, dosages and pharmacies; list the doctors and facilities you want to keep; then compare plans on Medicare.gov using that list.
Where can Montanans get free Medicare help for 2027?
Two free, official resources are available to every Montana beneficiary. Medicare.gov hosts the Plan Finder, where you can enter your ZIP code and medications to see every Medicare Advantage and Part D plan available at your address for 2027. And 1-800-MEDICARE (TTY 1-877-486-2048) is staffed around the clock to answer coverage questions, help compare plans and process enrollments.
By the numbers
Medicare Part B premium, 2006–2026
The standard monthly Part B premium has climbed from $88.50 in 2006 to $202.90 in 2026. Hover any point for that year’s premium.
Source: CMS. Standard premium shown; in some hold-harmless years many existing enrollees paid less. Confirm at Medicare.gov.
2027 plan lineup
Humana Medicare Advantage plans in Montana for 2027
CMS lists 17 Humana Medicare Advantage plans across Montana for 2027, alphabetically by carrier, widest county reach first. 2 other carriers also offer plans there.
| Plan | Type | Drug coverage | Counties |
|---|---|---|---|
| Humana 17 plans | |||
| Humana Dual QMB Only (PPO D-SNP) | PPO D-SNP | Yes | 38 |
| Humana USAA Honor Giveback (PPO) | PPO | No | 38 |
| Humana USAA Honor Giveback (PPO) | PPO | No | 38 |
| HumanaChoice H5216-048 (PPO) | PPO | Yes | 38 |
| HumanaChoice SNP-DE H7617-036 (PPO D-SNP) | PPO D-SNP | Yes | 38 |
| Humana Gold Plus SNP-DE H6622-008 (HMO D-SNP) | HMO D-SNP | Yes | 37 |
| HumanaChoice H5216-457 (PPO) | PPO | Yes | 30 |
| Humana Gold Plus H6622-007 (HMO) | HMO | Yes | 24 |
| Humana USAA Honor Giveback (PPO) | PPO | No | 19 |
| HumanaChoice H5525-054 (PPO) | PPO | Yes | 19 |
| Humana Gold Choice H8145-006 (PFFS) | PFFS | Yes | 11 |
| HumanaChoice H5216-089 (PPO) | PPO | Yes | 8 |
| Humana Essentials Plus Giveback (PPO) | PPO | Yes | 6 |
| Humana Full Access (PPO) | PPO | Yes | 6 |
| Humana Total Complete (HMO) | HMO | Yes | 6 |
| Humana Value Choice (PPO) | PPO | Yes | 6 |
| HumanaChoice H5216-457 (PPO) | PPO | Yes | 6 |
Source: CMS Medicare Advantage Landscape Source Files, plan years 2026 and 2027. Plans are offered county by county; a plan listed for the state may not be offered in your county. No plan is ranked or recommended; premiums, benefits, networks and star ratings are not shown. Plan details come from the Medicare Plan Finder at medicare.gov or the plan itself.
The 2027 choices, by type
How Humana Medicare Advantage plans across Montana break down for 2027
HMO plans use a network and usually a primary-care doctor and referrals; HMO-POS plans add some out-of-network coverage; PPO plans also cover out-of-network care, at a higher share; PFFS plans pay any provider that accepts the plan’s terms. Special Needs Plans serve people with Medicare and Medicaid (D-SNP), certain chronic conditions (C-SNP) or living in an institution (I-SNP).
Source: CMS Medicare Advantage Landscape Source Files, plan years 2026 and 2027. Plans are offered county by county; a plan listed for the state may not be offered in your county. No plan is ranked or recommended; premiums, benefits, networks and star ratings are not shown. Plan details come from the Medicare Plan Finder at medicare.gov or the plan itself.
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Frequently asked questions
How many Humana Medicare Advantage plans are offered in Montana for 2027?
Does Humana offer Special Needs Plans in Montana for 2027?
Are any Humana plans leaving Montana for 2027?
When do I need to make a 2027 Medicare decision?
Watch
The Medicare Advantage changes for 2027 in every state, in 30 seconds
- CMS — MA Landscape Source File (plan-level availability by county)
- CMS — MA Landscape Source Files, current and coming plan year (year-over-year comparison)
- CMS — Medicare enrollment periods (medicare.gov)
For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
Sources and methodology
- Medicare.gov, Medicare costs (Part B premium)
- CMS, Medicare prescription drug coverage (Part D) program rules
- CMS, Medicare Advantage and Part D plan-year announcements
- Medicare.gov, enrollment periods and plan rules
- CMS, Medicare Advantage and Part D Landscape Source Files
Figures cited in this article
- CMS — Medicare Advantage Landscape Source File (CY2027): Humana's Montana plan count, plan types, SNP counts, drug coverage counts and county-level availability.
- CMS — Medicare Advantage Landscape Source Files (CY2026 and CY2027): the year-over-year comparison showing 0 new and 0 non-returning Humana plans, and the renamed plans.
- Medicare.gov — Medicare enrollment periods: the October 15 – December 7, 2026 Annual Enrollment dates and the January 1, 2027 effective date.
How we put this together: area counts come from the CMS files listed above for the county that contains this city, program figures come from CMS, Medicare.gov and the Social Security Administration, and no plan is ranked or recommended.
By The Medicare Desk · Published . For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
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This page was last updated: October 2026.