Information about Health Insurance in Montana

Purchasing health insurance in Montana can be a relatively pleasant experience. Laws regulating Montana health insurance are a bit more consumer friendly than in other states. It is best to have a basic familiarity with laws regulating health insurance in Montana to protect yourself as a consumer.

Employees cannot be denied coverage under a Montana health insurance group plan. Exclusions from a Montana health insurance group plan can be applied for a period of 12 months. The exclusion period can be extended to 18 months if the employee enrolled in the Montana health insurance group plan late. Exclusions may only be applied to pre-existing conditions that were diagnosed within six months prior to the initiation of the Montana health insurance group plan. Pregnancy cannot be considered a pre-existing condition for Montana health insurance group plans.

Montana Health Insurance | Individual

Providers of Montana health insurance individual plans are free to deny coverage to anyone for any reason. However, if you have been denied coverage for Montana health insurance, you can obtain Montana health insurance coverage through the Montana Comprehensive Health Association (MCHA). All Montana health insurance providers must offer a standardized plan along with any other Montana health insurance individual plan they offer. This standard Montana health insurance individual plan has fewer covered expenses, a 50% coinsurance, and $1,000 deductible. Exclusions can be applied to Montana health insurance individual policies for a period of 12 months. Pre-existing conditions for Montana health insurance individual plans are those for which a diagnosis was given within three years prior to the beginning of the Montana health insurance individual plan. Pregnancy can be considered a pre-existing condition for individual Montana health insurance.

Small Group Montana Health Insurance

Employers seeking small group Montana health insurance cannot be denied the ability to purchase a policy. Premiums and rates for small group Montana health insurance can be affected by the health of group members. Providers of small group Montana health insurance are required to provide a basic plan and a standard plan. The basic plan is the same as the MCHA individual Montana health insurance. The standard plan for small group Montana health insurance involves a deductible that cannot exceed $500 and coinsurance that cannot exceed 50%. Self-employed individuals are not eligible for small group Montana health insurance policies.