Montana Health Insurance
As a resident of Montana, you have plenty of Montana health insurance options to choose from. There are multiple insurance companies in Montana that provide a range of plans for a variety of health needs.
Here you'll be able to get helpful information for finding health insurance in Montana. See some of the state's top health insurance companies and read about the important Montana health insurance laws and regulations you should be aware of as you look for your plan. You can also find information about financial assistance and public Montana health insurance programs.
Not resident of Montana? Find your state here.
If you would like to get free quotes and compare Montana health insurance plans now, start with our simple form on the left.
Resources on this page
Montana Health Insurance Laws and Regulations
Public Health Insurance Programs for Montana Residents
Montana Health Insurance High Risk Pools
Montana Health Insurance Companies
Contact Info for the Montana Department of Insurance and Department of Health and Senior Services
Montana Health Insurance Laws and Regulations
Montana health insurance law requires these medical services to be covered by all individual health plans:
- Mammograms
- Diabetes care
- Vaccinations for children
Montana health insurance companies are also required to set coverage limits and maximums for mental health conditions equal to physical conditions, also known as mental health parity.
Residents also have access to a uniform Montana health insurance plan that is designed to be more affordable. The plan offers basic coverage including a 50 percent coinsurance rate for medical care and a $1,000 annual deductible.
Montana health insurance companies can also look at an applicant's health history and status before accepting them into coverage.
For residents who are denied coverage because of a pre-existing health conditions, they can receive insurance coverage through the state's high-risk pool, the Montana Comprehensive Health Association (MCHA). To learn more about MCHA, visit them online.
Montana Public Health Insurance Programs
Here are the public Montana health insurance programs that help low-income residents get coverage:
- Medicaid
The Montana Medicaid program provides free health insurance for some low-income residents and disabled citizens. For more information on Medicaid in Montana, visit their website.
- Montana Children's Health Insurance Plan (CHIP)
The CHIP program in Montana offers health insurance coverage for children who do not qualify for Medicaid. To find out more about the Montana health insurance program for children visit http://chip.mt.gov/.
- Montana Breast and Cervical Health Program (MBCHP)
Low-income women can receive free breast and cervical cancer screening through this program and get full health care coverage from Medicaid if diagnosed with either cancer. To learn more about this Montana health insurance program for women, visit their website. - Montana Medicare
Seniors can find Montana health insurance through Medicare Advantage, Supplement and Original Medicare.
To find an index of the Montana health insurance programs, visit the Department of Public Health & Human Services.
Montana Health Insurance High Risk Pool
Residents in Montana with pre-existing conditions will be eligible for health insurance from a high risk pool established by the Patient Protection and Affordable Care Act.
The Montana Affordable Care Plan will run similar to regular Montana health insurance policies. The plans will require enrollees to pay affordable monthly premiums and out-of-pocket costs.
Enrollees in the Montana program will pay around the same amount that people without medical conditions pay for health insurance. The estimated premiums for Montana residents will range from $190 to $615 a month. The program has a $2,500 deductible which has to be met before health insurance benefits kick in. There is also an out-of-pocket limit set at $5,950 a year.
People with medical conditions will have health insurance coverage for prescription drugs, doctor and hospital visits, emergency services and more.
Individuals may apply for the Montana Affordable Care Plan if they are a United States citizen, have a pre-existing condition and have been without health insurance for six months.
For more information on the Montana health insurance high risk pools visit http://www.healthcare.gov/index.html.
The following list of companies offer health insurance plans in Montana:
Assurant Health Health Insurance
Assurant Health, headquartered in Milwaukee, has been offering quality insurance products and coverage to over 1 million members since 1982. Assurant is committed to providing health insurance plans that have broad coverage while providing valuable protection.
Blue Cross and Blue Shield of Montana Health Insurance
As a non-profit insurance company, BCBS of Montana provides a wide variety of health insurance plans with superior customer service.
Clear One Health Plans Health Insurance
Since 1995, Clear One Health Plans, Inc. has constantly and consistently developed affordable health insurance plans to meet the needs of customers, providers, and brokers. They cover a customer base of 259,000 poeple and employ 6,400 clients throughout the Northwest.
Great American Health Insurance
Great American Insurance Company, a part of Great American Financial Resources Inc,, is a leading provider of health insurance and other coverage solutions.
John Alden Health Insurance
John Alden Life Insurance has been selling health coverage throughout America since 1961. Today, they are part of Assurant. John Alden plans include individual health and small group coverage. They also sell Health Savings Account plans.
Standard Security Life Health Insurance
Started in 1978, IAC offers management services to large companies who self-insure.
Time Insurance Health Insurance
Today, Time Insurance is known as Assurant Health with insurance coverage for individuals, students, families, seniors, and businesses.
Time Short Term Health Insurance
Today, Time Short Term health insurance is offered through the Assurant name. Time short term health plans provide comprehensive coverage for a temporary period of time at affordable rates.
WorldIns ExpressMed Health Insurance
World Insurance offers several types of individual health insurance ranging from dental coverage to comprehensive major medical plans.
Montana Auditor's Office and Insurance Department and Department of Public Health and Human Services
Find the contact information for the Montana health insurance and public health departments at:
Montana State Auditor's Office/Insurance Department
840 Helena Ave.
Helena, MT 59601
Phone: (406) 444-2040
http://www.sao.state.mt.us/insurance/index.asp
Montana Department of Public Health & Human Services
111 North Sanders Street
Helena, MT 59604
Phone: (406) 444-2596
http://www.dphhs.mt.gov/
