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Montana health insurance
The state of Montana has a number of health insurance companies that can offer you health insurance that is suitable for your needs. Having a health insurance plan that looks after your health care costs in the event of your falling ill is just plain common sense. If you are a resident of Montana and are looking for a suitable health insurance plan, you have come to the right place. On this page, we provide you with all your options in health insurance, whether you get it form a private carrier or from the state.
Individual health insurance in Montana
Since the state provides a number of options in health insurance plans, it is very important for you to have an idea about what your needs are, the benefits offered by the plan and the costs you can afford. Depending on these three factors, you can choose between PPO, HMO or POS type of plans. The costs you need to consider when you are thinking about these plans include not only the monthly premiums, but also the deductibles, coinsurance and copayments.
Since medical underwriting is allowed in the state of Montana, the insurance carriers may refuse your application for an insurance based on your health status. However, your application cannot be turned down on health grounds if you are going through your employer.
The state of Montana offers a high risk pool for people who are unable to secure insurance from private carriers because of health, age or other specific factors. The program is administered under the name Montana Comprehensive Health Association (MCHA).
Insurance for small business and groups
Group health insurance can be got through employers, associations or unions. However, as in individual health insurance, medical underwriting is allowed here. The preexisting clause can extend up to six months prior to your application and the company may deny covers for those conditions up to 12months. The average premium you may expect to pay for a group insurance plan will vary, depending, among other factors, on the contributions your employer makes.
Coverage under COBRA
Laws under the Consolidated Omnibus Budget Reconciliation Act of 1985 apply in the state of Montana. According to this law, a company employing more than 20 people is obligated by law to continue covers for an employee who, for some reason, is no longer employed with the company. The covers also have to be extended to his family.
Montana Medicaid plans
Medicaid plans are also offered in the state of Montana. Under this state and federal sponsored program, health plans are offered to people who have a low income, are pregnant, disabled or residents of nursing homes. Some of the people receiving Medicare are also eligible for this program. Plans are offered to these individuals, always providing that they meet certain income requirements.
Montana also offers the Children’s Health Insurance Program (CHIP). Under this program, health insurance is provided to children below the age of 19, provided they meet certain income criteria. They must also be residents of Montana and have a social security number. Also, they may not be blind, disabled or receiving health insurance through an employer.
Easy Quotes from the Top Montana Health Insurance Carriers
Our service is the best way for you to secure the most suitable Montana health insurance quote for yourself. You will get quotes on health insurance from the top health insurance carriers. This includes- American Medical Security, American Family Insurance, Anthem Blue Cross Blue Shield, Assurant Health, Fairmont Specialty Group, Celtic, Midwest Security, Golden Rule, Security Life and UNICARE and many more.
An easy, fast and free way to find Montana Health Insurance
Our process is quick, easy and free. The only thing you have to do is to fill in a simple form with your information. The information will be kept confidential and will be used only to provide you with medical insurance quotes. As soon as you complete this form, you will receive instantaneous quotes from the top carriers. If you want, you can buy the plans online also. We will also put you in touch with licensed local agents in your area who will assist you in every way before you can purchase a plan.
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