Health Insurance Carriers in Montana (MT)
Montana’s insurance laws are different than any other state’s. Because of that, we have taken the liberty of gathering together some of the details for your convenience. Check them out as well as the links below to get a better idea of what your health insurance options.
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Health Insurance Providers in Montana
Assurant Health (Formerly Fortis)
Celtic
Security Life
Group Health Insurance in Montana
- All eligible applicants for group insurance must be offered coverage and charged equally despite health problems.
- Problems with family may provide more opportunities for group coverage.
- Employers and HMOs may impose a waiting period before offering group coverage.
- Montana allows for pregnancy disability if the insured group has more than one employee.
- Medical records may be reviewed for pre-existing conditions by providers for the six months prior to joining group coverage. An exclusion period of up to 12 months may be applied.
- If coverage has been maintained with no lapse of more than 63 days, providers are required to offer credit toward any exclusion period.
Small Business Health Insurance in Montana
- Small businesses with up to 50 employees may not be denied small group health insurance or be cancelled, though higher premiums may be charged, within limits.
- For groups of more than 50 employees, there are no limits on premium costs.
- Providers must offer two types of plans: standard (which have required benefits) and basic.
- Contact the Montana Insurance Division for regulations on associations offering group health insurance.
Montana Insurance Division
840 Helena Avenue
Helena, MT 59601
(406) 444-2040
www.discoveringmontana.com/sao
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Self-Employed Health Insurance in Montana
The self-employed may not buy group coverage.
Individual Health Insurance in Montana
- Providers may deny coverage to applicants with health problems.
- The Montana Comprehensive Health Program assists those denied coverage as well as HIPAA eligible individuals.
- Low coverage, standardized plan must be offered to every resident, though providers may also offer plans with more benefits.
- Pre-existing conditions that occurred within the three years prior to individual coverage may affect the policy.
- Providers may require exclusion periods for up to 12 months and attach elimination riders to the policy.
- There are no limits on premium costs due to health problems.
Montana Health Care Programs
Montana Comprehensive Health Association assists those who have been denied health insurance and the HIPAA eligible. Medicaid and Children’s Health Insurance Plan are available to residents with low incomes.
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