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Montana Health Insurance
Nowadays health insurance is generally available in two broad categories
individual and group. Individual insurance is mostly for those who
are self-employed, or are employed by a company that has no health
insurance to offer, or for those who keep a family and need individual
insurance for family members. When one opts for an individual plan,
he/she must pay an annual premium as well as a deductible for each
insured dependent, up to a base amount. When one buys a group policy,
he/she needs to pay an annual premium, co-payments payable at each
medical service, and a deductible payable before insurance starts
paying for his/her valid medical bills.
Montana allows health insurers to deny applications for individual
coverage from those who have health problems. However, the Montana
Comprehensive Health Program will help those who have been denied
individual coverage and also includes HIPAA eligible individuals.
In Montana, a low coverage standardized plan is offered to all residents,
although insurance companies are free to offer plans with more benefits.
Pre-existing conditions can be considered those within the last
three years before individual health coverage. Insurance companies
can impose exclusion periods not exceeding one year and they are
allowed to attach elimination riders to the policy. There are no
restrictions on premium costs due to health problems of the applicant.
According to regulations in Montana, you cannot be denied group
insurance or charged more due to a health problem if you have necessary
qualifications for having one. If you have any special problems
within your family, you can get a chance for additional enrollment
for group coverage. If you change job, new employers and HMOs can
ask for a waiting period before offering group coverage. Montana
allows for pregnancy disability if the insured group has one or
more employees. Insurers can check for pre-existing conditions for
the prior six months before joining group coverage, and they are
allowed an exclusion period of one year for the condition. If you
have had continuous coverage without any lapse of over 63 days,
you are entitled to receive credit toward the exclusion period.
In Montana, small businesses with two to 50 employees cannot be
denied small group health insurance, nor can their insurance be
cancelled. However, you may have to cough up higher premiums within
certain limits. If the group consists of more than 50 people, there
are no limitations on premium costs. In Montana insurers have to
offer two types of plans: standard (which have required benefits)
and basic. Self-employed persons cannot buy group health insurance
policies in Montana.
Montana has a plan for those who have been denied health insurance
and for HIPAA eligible people. Medicaid is available to eligible
Montana residents with low incomes, as is the Children’s Health
You should do a proper research before you begin the process of
choosing the right health insurance quotes for you. However, it
makes lot of sense to appoint professional health insurance agents
and brokers who can be of great help in this regard with their experience
Among the health insurance providers in Montana are Assurant Health
Celtic and Security Life.