Medicare Advantage

UnitedHealthcare Medicare Advantage in Montana for 2027: 3 Plans, County by County

HELENA, Mont. — For the 2027 plan year, UnitedHealthcare is offering three Medicare Advantage plans across Montana, according to the Centers for Medicare & Medicaid Services (CMS) Landscape Source Files for CY2027. That number counts each plan once statewide, even though Medicare Advantage is sold county by county — so a plan on the statewide list may or may not be available where you live.

This explainer is published by an independent Medicare education site. We are privately owned, we are not the government, and we are not UnitedHealthcare or any other insurance carrier. Our goal is to tell Montanans what the public CMS data says about the 2027 landscape so they can take the next step with confidence.

What is UnitedHealthcare offering across Montana for 2027?

UnitedHealthcare is offering 3 Medicare Advantage plans in Montana for the 2027 plan year, based on the CMS Landscape Source File for CY2027. Of those 3 plans, 1 is a PPO and 2 are PFFS (Private Fee-for-Service) plans. One of the three is a Special Needs Plan — specifically a D-SNP for people who have both Medicare and Medicaid. There are no Chronic-Condition SNPs (C-SNPs) and no Institutional SNPs (I-SNPs) from UnitedHealthcare in Montana for 2027. Two of the three plans include Part D prescription drug coverage built in; one does not. For context, CMS lists 23 Medicare Advantage plans in Montana for 2027 across all carriers combined, with two other carriers besides UnitedHealthcare in the state.

Which UnitedHealthcare plans have the widest county reach in Montana for 2027?

In Montana for 2027, the UnitedHealthcare plan with the widest county reach is a tie between the two PFFS plans — UHC MedicareDirect Patriot No Rx PF-MA01 and UHC MedicareDirect PF-0001 — each offered in 9 counties, according to the CMS Landscape file. The D-SNP, UHC Dual Complete MT-S001, is offered in 8 counties. "Widest reach" simply means the plan appears on the Landscape file in the most Montana counties; it is not a quality rating or a recommendation. The full plan-by-plan table on this page shows each plan's name, type, drug-coverage status, and county count exactly as filed with CMS. Even for the broadest plan, Montana has 56 counties, so no UnitedHealthcare plan is available statewide.

What is new or not returning from UnitedHealthcare in Montana for 2027?

For 2027, UnitedHealthcare is not introducing any new Medicare Advantage plans in Montana, and 4 of its 2026 plans are not returning for 2027, per the year-over-year comparison in the CMS Landscape Source Files for CY2026 and CY2027. If you are currently enrolled in a UnitedHealthcare plan in Montana, that does not automatically mean your plan is going away — but it does mean it is worth checking. Your plan is required to send you an Annual Notice of Change (ANOC) before the fall. Read it, and if your plan is among those not continuing into 2027, you will have a window to pick another plan during Annual Enrollment 2027.

How do I check whether a UnitedHealthcare plan is offered in my Montana county?

The authoritative way to check a 2027 Montana plan is the Medicare Plan Finder at Medicare.gov, or a call to 1-800-MEDICARE (TTY 1-877-486-2048), 24 hours a day, 7 days a week. Enter your ZIP code and county, and you will see every Medicare Advantage plan available there for 2027 — including any UnitedHealthcare plans — along with the current premium, deductible, copays, drug list (formulary), pharmacy network, provider network, and star rating. We intentionally do not quote any of those details here, because they vary by plan and county and change year to year. You can also look at the plan's own Evidence of Coverage and provider and pharmacy directories to confirm your doctors, hospitals, and prescriptions are covered the way you expect.

What should Montanans do before December 7, 2026?

Before December 7, 2026, Montanans on Medicare should review their current coverage and compare it to the 2027 options available in their county. Annual Enrollment 2027 runs October 15 through December 7, 2026, and any choice you make in that window takes effect January 1, 2027. A simple checklist: (1) read the Annual Notice of Change from your current plan; (2) make a list of your doctors, hospitals, and prescriptions; (3) use the Medicare Plan Finder at Medicare.gov to see what is offered in your county for 2027; (4) if you want to switch, enroll by December 7, 2026. If you do nothing and your current plan is continuing, in most cases you stay in it. If your plan is not returning, you will want to pick a replacement during Annual Enrollment so your coverage continues on January 1, 2027.

Where can Montanans get free help understanding 2027 Medicare Advantage choices?

Montanans can get free, official help with 2027 Medicare Advantage decisions directly from Medicare at Medicare.gov or by calling 1-800-MEDICARE (TTY 1-877-486-2048), any time of day. Medicare.gov's Plan Finder is the same tool licensed agents use to look up what is available in a given county, and 1-800-MEDICARE representatives can walk you through enrollment steps, confirm effective dates, and explain how Medicare Advantage, Original Medicare, and Part D fit together. If you also receive Social Security, the Social Security Administration at ssa.gov handles Medicare premium billing questions and Extra Help with prescription drug costs.