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Health Insurance Information

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Montana Health Insurance

 

All health insurance policies in Montana are considered guaranteed renewable as long as your premiums are paid up to date.  So this means your health insurance can not be canceled because you become sick.

 

Montana mandates that health insurance companies cover newborns and adopted children for the first 31 days, on their parent’s policy.  But inversely pregnancy is, and can be considered a pre-existing condition, except on group health policies.  Pregnancy is a pre-existing condition but not on group health insurance.

 

It is mandated by Montana that all individual health insurance companies cover rental and/or purchase of durable medical equipment.

 

Montana Comprehensive Health Association provides health insurance to people who are uninsurable in Montana these people are uninsurable because of medical conditions.  Often MCHP is called Montana's High Risk Pool.  For many Montana Residents it is their last chance to get insurance.   You can visit the MCHP website here.

 

                               Request a Montana Health Insurance Quote

 

 

Montana Small Business Health Insurance

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In Montana, a group health plan, can not base your health insurance premiums on your health.  This is called non discrimination.  Small Business Health Insurance in

 Montana is also guaranteed issue, meaning that you can not be turn down for coverage.

 

Pre-existing exclusions are limited on the amount of time they can exclude coverage.  Also if you have current coverage, without lapses, that will be credited against your pre-existing period.  Pregnancy is not considered a pre-existing condition on a group health plan.

 

The only issues/symptoms that can be considered pre-existing, in Montana, are those that occurred within the last 6 months, called the look back period.

 

The maximum pre-existing waiting period is 12 months for an employee. If you are a late enrollee your maximum waiting period is 18 months.  Any pre-existing periods must be applied only after written notice.

 

Montana does limit the amount of variation between premiums of different group health plans.  Each Small Business Plan will have certain enrollment periods in which employees can sign on to get coverage.  For groups of 50+, Montana does not limit the premiums or rate increases.

 

A great benefit Montana provides for it's employees with 1+ employees is Pregnancy disability.  To get more information call (406) 444-3136

 

For additional information about Small Business Health Insurance in Montana click here.

 

                               Request a Montana Small Business Health Insurance Quote

 

 

Montana Individual Health Insurance

 

All Montana Health Insurance Policies have to cover disabled children on their parent’s policy into their adulthood.  In Montana, insurance companies are able to decide if they want to insure you or not.  They can either rate you up or just refuse coverage. 

 

Insurance companies in Montana do have to offer a generic individual policy.  This policy is designed to be more affordable because it has lower policy limits.  The mandated policy has a $1,000 deductible, 50% coinsurance, and a stop loss of $5,000.  It should be noted that there is a $1 million dollar cap on the policy also.

 

Along with the mandated policy, Montana's health insurance companies are free to offer other policies as well.

 

Montana allows health insurance companies to include pre-existing conditions and these are the two ways they can do it:

-         With an Elimination Rider which basically changes the policy to deny coverage of anything to do with the pre-existing condition.

-         With a Pre-Existing period, this can not be more than 12 months.

 

Relative to Pre-Existing Conditions, Insurance companies in Montana must give credit to prior credible coverage as long as there was not more than a 30 day lapse in coverage.

 

The rates that an individual pays for a Montana Health Insurance Plan are based on age, location, health history, family size, sex etc.  Sadly there is no limit on how much an insurance company can charge and individual for coverage.

 

The Children's Health Insurance Plan is a Montana state program designed to provide affordable health insurance to children residing in Montana. 

 

For additional information about Individual Health Insurance in Montana click here.

 

                              Request a Montana Individual Health Insurance Quote

 

 

Montana Self Employed Health Insurance

 

In Montana self employed people are not able to buy health insurance like any other small business.  So as a self employed person, you are able to buy individual policies and your rights are protected under the laws protecting individuals.

 

Another option for affordable Montana Self Employed Health Insurance is often associations or self employed groups.  Just keep in mind that not all of these groups or associations are regulated by the state.

 

One benefit for Self Employed people is that they are able to deduct 100% of their health insurance premiums from their taxes!

 

For additional information about Self Employed Health Insurance in Montana click here.

 

                                 Request a Montana Self Employed Health Insurance Quote

 

 

Temporary Montana Health Insurance

 

Many situations may arise where you find yourself without health insurance, or about to be without health insurance.  These reasons could range from graduating college to being in-between jobs.  Instead of going without health insurance you should look into getting a Montana Temporary Health Insurance Policy.  These policies will be cheap, with high deductibles and low coverage, but getting a Montana Temporary Health Insurance Policy is much better than going with out health insurance. 

 

A temporary health insurance policy will cover you for a stated time period and that is it.  It is important to note that once that time period is up, you will have to renew your policy.   At this point the insurance company is free to refuse you because Temporary Health Insurance in Montana is not guaranteed renewable.

 

For additional information about Temporary Health Insurance in Montana click here.

 

                                Request a Montana Temporary Health Insurance Quote

 

 

What types of Montana Health Insurance are there?

 

HMO- Health Maintenance Organization.  This type of insurance is called managed care.  This means you have certain network of doctors and hospitals in Montana that you have to go to for care.  Most Montana HMO’s have office visit co-payments that range from $10 to $35, and hospital deductibles that range from $250 to $1,500.  Often the most affordable health insurance plans are HMO’s due to the fact they are managed care.

 

PPO-Preferred Provider Organization.  This type of insurance is also called managed care but it gives the consumer much more freedom; they allow you to visit any doctor or hospital in or out of network.  Most Montana PPO’s have an in network and an out of network charge.  If the in network co-insurance is 100% then the out of network co-insurance would be 80%.  If the in network co-insurance is 90% then the out of network co-insurance would be 70%   Typically Montana PPO’s offer co-payments for doctor visits as well as hospitalization. 

 

Indemnity Plan - In Montana, as health insurance rates continue to rise, many people are finding it more affordable to drop their health insurance and buy a Montana Major Medical Health Insurance Plan.  An Indemnity plan can also be called a major medical plan or catastrophic health insurance.  Whatever you call it, typically an Montana Indemnity Plan would cover more “major” claims.  An Indemnity plan has an annual deductible and will usually allow you to pick different co-insurance options.  Indemnity plans allow you access to any doctor or hospital, and for this reason they are typically very expensive.

 

Discount Medical Plans – In recent years many Discount Medical Plans have started to surface.  These plans have relatively inexpensive, but consumers must realize that this is not insurance.  All these companies do is to get their customers discounted rates (20-50% off) on certain procedures at certain physicians and hospitals. 

 

Federal Mandated Health Insurance Laws

 

HIPAA

Along with Montana Health Insurance Laws, there are Federal Laws that regulate Health Insurance companies.   HIPAA (Health Insurance Portability and Accountability Act of 1996). This act mandated federal standards for individual and group health insurance plans.  Some of the standards that it established were relative to guaranteed renew ability, crediting for prior health coverage and pre-existing condition waiting periods.

 

ERISA

Large corporations do not have health insurance policies.  Typically they are self funded, meaning the corporation pays for all of their employee’s medical bills instead of buying health insurance.  Most of these “self funded” companies are regulated by the federal government under ERISA (Employee Retirement Income Security Act)

 

COBRA

In Montana it is mandated, by the state, that all companies that offer a Montana Group Health Insurance Policy must also enable their employees to extend their health coverage temporarily; called Cobra.  A Montana Cobra Insurance is typically available for a time period under 18 months.   In Montana you are given 60 days to decide if you are going to take Montana Cobra Insurance or not.  Once you have passed on the opportunity to take Cobra, you are not eligible to receive it.

 

Cobra Insurance was introduced in 1985.  Cobra stands for Consolidated Omnibus Budget Reconciliation Act.  If you would like more information about your Cobra Insurance options please contact your companies HR department.

 

Often employees are surprised at the cost of a Montana Cobra Insurance.  The reason for this is that they are now responsible for 103% (100% of the premium plus a 3% administration fee) of a monthly health insurance premium when they probably only paid 20% while employed. 

 

Whether nor not to take Cobra is an important question, and you should realize there are alternatives to a Montana Cobra Insurance Policy.  One should realize what they plan to do in the future.  If you are looking for another job, and it will be a few months before you get a job, it might make sense to look for a Montana Temporary Health Insurance Plan.  If you are contemplating working at a consultant, it would be in your best interest to look into a Montana Self Employed Health Insurance Policy.   

 

 

                           Request a Health Insurance Quote from one of QuicklyQuoteMe’s Agents

 

 

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