We are here to provide you, our customer, with everything you need to make an educated decision relative to your new Health Insurance Policy. Unlike every other company you will get no high pressure sales pitch here. Our promise to you is that we will provide you with the top 5 Health Insurance Carriers in Montana and allow you to make an unpressured decision. Only speak to a broker if you want to! Your new health insurance policy is only 3 minutes away!
It is important to understand the Montana health insurance regulations before applying. Montana does not require insurance companies to accept your application if you have an existing medical condition. These companies are actually able to accept, decline or rate up your policy. Unfortunately for the client, there are no limits on the monthly premiums that health carriers can charge, in Montana, for a health plan or on increases at the time of renewal. No Montana Insurance Company can cancel you after getting sick. Montana does mandate that all insurance companies have a Generic policy that is more affordable because it has lower plan benefits.
Like
many other Montana residents, you might find yourself on COBRA and not
know
what to do.COBRA
stands for
Consolidated Omnibus Budget Reconciliation Act of 1985.In short this allows Montana Residents to
continue getting their Montana Group Health Insurance even if they are
not
employed by their employer anymore.Montana COBRA Health Insurance is similar to most other
states in the
fact it only lasts for 18 months, in most instances.
It
is important to understand that most Montana residents that are on
paying for a
MT COBRA Health Insurance Plan are paying a lot of money!There are many options
that are available to
MT residents.Obviously
what you need
depends on your situation but here are most of your options; Montana
individual insurance, Montana
group insurance, Montana
self employed insurance, Montana
student insurance, or Montana
short term insurance policies are all available. Through the
years we have
found that we can save most clients between 20-50% from what they are
paying
for a comparable MT COBRA Plan.To
get
a quote just click
here!
Montana
Student
Health Insurance
Many
students are in college and find themselves paying a lot for Montana
Student
Health Insurance.This
does not have to
be the case.There
are certain
requirements Montana has for it’s student health insurance
policies, but for
the most case MT Student Health Insurance is very affordable.To get a quote just click
here!
Montana
Short Term
Health Insurance
Short
Term Health Insurance can be very useful if you are in-between jobs,
just
graduated college, or just started a job that has a 3+ month waiting
period
before you are eligible for benefits. Montana Short Term Health
Insurance is
very affordable and very easy to apply for.For a quote just click
here!
QuicklyQuoteMe Recommends
We understand health insurance premiums continue to skyrocket! If you are a relatively healthy individual, or family, we recommend taking a high deductible plan and paying for the smaller medical expenses out of your pocket. In the short term it might seem like not a great idea, but over the long term most people find themselves saving money year after year.
Still have questions? Please fill out our contact form and a licensed Montana Health Insurance Professional will contact you.
Not ready to buy but want to stay in contact with us? Input your email address below and we will send you our contact information automatically so you will always be able to come back with questions or to sign up for a policy.
Top Rated Montana Health Insurance Companies
Blue Cross Blue Shield of Montana – Blue Cross Blue Shield was founded in 1946. Currently BCBSMT insures thousands of residents of Montana, through their wide range of products; medical, life, and disability. BCBSMT also runs the state’s high risk pool. Every BCBS is an independent corporation and BCBSMT is just one of 48.
Assurant – All policies are underwritten by Time Insurance. Assurant has been selling medical insurance since 1892. In 1973 Assurant developed the first short term medical insurance policy and from then on the individual and short term markets have been their focus. When you buy and Assurant policy you are buying stability and experience!
Celtic – Celtic originally started out as a Group Health Insurance Provider in early 1978. Slowly they began focusing more and more on the individual health market, and currently today they exclusively provide individuals medical insurance.
Celtic is known as a conservative company, with high ratings, and great customer service. They have had an Excellent (A-) rating from AM Best since 1986. With a conservative outlook, a focus on a specific medical market (individual health) and strong customer service, it is no wonder why Celtic is a strong player in Montana!
