About Health Insurance in Montana
There is one top choice for health insurance in Montana, which is Clear Choice Health Plans. At East Coast Health Insurance, we connect you to plans from ClearOne, their individual insurance product, and help you to weigh out the greatest one for your budget and lifestyle. You also have a few state-run plans available, like the Montana Comprehensive Health Association if you cannot afford a health insurance plan from one of these companies.
- Total Population: 968,300
- Total Uninsured Population: 161,500 (16%)
- Typical Cost of Inpatient Hospital Visit Per Day: $1,190
- Average State Premium for Individual Health Insurance: $191
Information provided by Kaiser Family Foundation, 2010.
Choosing a Plan in Montana
East Coast Health Insurance simplifies the process of getting a quote for everyone. Start by entering your zip code above, or for extra assistance you can speak with one of our knowledgeable Montana staff to help get started over the phone at 888-803-5917.
Other Options in Montana
- Montana Comprehensive Health Association (MCHA), provided by Montana Blue Cross Blue Shield: 800-447-7282
- Medicaid plans (SCHIP): 800-421-6667
Montana Health Insurance Market & Laws
Health insurance regulations in Montana are in place for the benefit of both the insurer and the insured. Like most states, the guaranteed renewability provision allows you the right to renew your health insurance policy at the end of a term with the same company. Because of this law, your insurer must allow you to renew your existing policy if you have met your premiums and have not violated your policy.
Pre-existing conditions are defined in Montana as a condition you received treatment for or were diagnosed within 3 years prior to enrolling in health insurance. Exclusion periods, or time when the insurance company will not pay any expenses related to that condition, can last for up to 12 months.
It is also legal for insurers to attach an elimination rider to your plan for a pre-existing condition to permanently deny you coverage for that condition. Also, when you change insurance carriers, they are allowed to set their own exclusion period length, though it is limited by state law.
Also, if a health insurance plan covers dependents, it is required by law that newborns and adopted children be covered under their parents’ individual health insurance for the first 31 days after birth or adoption.
Insurance companies in Montana are permitted by law to deny you health insurance or increase your premiums based on your age and health. However, if they accept your application, they are required to offer you a state standardized policy as well as their own options. Standardized plans provide a more affordable option with federally regulated rates.
For individuals who live in Montana, health insurance is required to cover the following medical expenses by law:
- Treatment for diabetes
- Immunizations for children
- Breast cancer screenings
- Mental health care for the same cost as other medical conditions
More information on laws regarding Montana health insurance is available through the Montana Commissioner of Securities and Insurance site.
1. Kaiser Family Foundation, “Montana – State Health Facts”. www.statehealthfacts.org
2. Health Insurance In-Depth, “Montana Health Insurance”. http://www.healthinsuranceindepth.com/health-insurance-Montana.html