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Montana Health Insurance (MT)Choose from the list below to learn more about specific health insurance providers in Montana. Read on to learn about health insurance regulations in your state. Or enter your zip code in the box to the right to request a health insurance quote. Get a quote for Montana health insurance now >> Health Insurance Providers in Montana (MT)Individual Health Insurance in Montana (MT)Individual health insurers are free to deny applications from those with health problems. The Montana Comprehensive Health Program will help those who have been denied individual health coverage and also includes HIPAA eligible individuals. Montana regulations provide a low coverage standardized plan be offered to all residents, although insurers can also offer ones with more benefits. Pre-existing conditions can be considered those within the last three years prior to individual coverage. Insurers are allowed to impose exclusion periods with a maximum 12 month time limit and they can also attach elimination riders to the policy. There are no limits placed on premium costs due to health problems of the applicant. Group Health Insurance in Montana (MT)Montana regulations provide that if you are eligible for group insurance, you cannot be denied coverage or charged more because of a health problem. Special problems within your family can give you the opportunity for additional enrollment for group coverage. New employers and HMOs can require a waiting period before group coverage begins. Montana allows for pregnancy disability if the insured group has one or more employees. Pre-existing conditions can be investigated by group insurers for the prior six months before joining group coverage; they are allowed a maximum exclusion period of 12 months for the condition. If you have had continuous coverage with no lapse of more than 63 days, the insurer is required to give credit toward the exclusion period. Get a quote for health insurance now.>> Small Business Health Insurance in Montana (MT)Small employers of two to 50 cannot be turned down for small group health insurance, nor can their insurance be cancelled. However, you can be charged higher premiums within certain limits. For larger groups of over 50, there are no limitations on premium costs. Montana requires insurance companies to offer two types of plans: standard (which have required benefits) and basic. A business with two or more employees is allowed to buy group health insurance through an alliance or purchasing pool listed by the state. Contact the Montana Insurance Division for regulations on associations. Montana Insurance Division Self-Employed Health Insurance in Montana (MT)The self-employed are not allowed to purchase group health insurance policies. Montana Programs (MT)Montana supports a high risk pool in the Montana Comprehensive Health Association for those who have been denied health insurance and for HIPAA eligible people. Medicaid is available to Montana residents with low incomes, as is the Children’s Health Insurance Plan. Get a quote for health insurance now.>>
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Key Facts... In 2005 $2 trillion was spent on health care services in the United States. On average, each person was responsible for a total annual health care bill of $6,700. Is your health insurance plan working for you and your family? Source: National Coalition on Health Care. Catlin, A, C. Cowan, S. Heffler, et al, "National Health Spending in 2005." Health Affairs 26:1 (2006). Health care costs in the United States rose an unprecedented 6.9% in 2005, more than double the rate of inflation. These costs are expected to rise at similar levels for the next decade. Protect your health and your wallet by investing in a health insurance plan that is right for you. Source: National Coalition on Health Care. Catlin, A, C. Cowan, S. Heffler, et al, "National Health Spending in 2005." Health Affairs 26:1 (2006). A 2003 study by The Henry J. Kaiser Family Foundation determined that over one third of uninsured adults reported having trouble paying their medical bills. Safeguard yourself and your family against future debt by finding a high quality health care plan. Source: The Henry J. Kaiser Family Foundation. Access to Care for the Uninsured: An Update. 29 September 2003. |
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