If you’re looking for health insurance in Montana, we advise you to get informed about state regulations that could affect the type of plans available to you, and what options you have if you have health problems or are switching jobs. Once you know what you are looking for, search the rest of our website and let us help you compare quotes for the carriers and policies that suit you best.
Individual Health Insurance in Montana (MT)
As in other states, acquiring health coverage for an individual in Montana is relatively easy if you choose a group policy, such as an HMO, PPO, POS, or HSA. If you prefer to acquire an individual health plan, however, there are more things you must consider:
- Carriers can deny coverage to you if you have health problems
- Providers must offer low coverage, standardized plans must be offered to every resident.
- Your policy may be affected if you have had any preexisting conditions within the past three years
- If you have a preexisting condition, health insurance companies may give you an exclusion period (for up to 12 months) and attach elimination riders to the policy.
Montana Family Medical Coverage Regulations (MT)
Your options for family medical insurance in Montana include group plans and individual plans. HMOs and POSs, for example can provide for the health needs of your entire family. Or, if one or more family members have a specific health condition that needs to be covered, an individual health plan can be customized to your needs. When choosing a policy, keep the following Montana laws in mind:
- Montana law states that if you are eligible for group insurance, you cannot be denied, even if you have a health problem.
- Special family situations, such as marriage, the birth or adoption of a child, or loss of coverage, can give you a 30-day enrollment opportunity for group coverage.
- If your family is covered under your company’s group policy, be aware that there may be waiting periods for new employees, and other restrictions.
Pre-Existing Conditions and Montana (MT) Health Insurance
Having a pre-existing condition, such as diabetes or cancer, can make it much more difficult for you to acquire health insurance in Montana. The state does, however, provide you with a few options.
The Montana Comprehensive Health Association (MCHA)
- MCHA description – Established to make health insurance benefits available to individuals regardless of their health conditions.
- MCHA eligibility – Must be a resident of Montana and who has been rejected or offered a restrictive rider due to health issues by two or more health insurance companies within the last six months. People with a certain specified major illnesses you may also be eligible.
Montana Comprehensive Health Association Portability Plan
- Portability Plan Description – The Portability Plan guarantees Montana residents health insurance coverage that covers all preexisting conditions.
- MCHA Portability Plan Eligibility – Montana residents who are leaving their current health insurance providers and have at least 18 months of creditable coverage with no more than 63 consecutive days without coverage.
Both of these programs have restrictions, so contact the Department of Insurance to find out if you qualify.
Changing Your Medical Plan in Montana (MT)
Whether you are a new Montana resident, have recently left your job, or simply want to switch to a different health insurance carrier, switching medical plans can be a hassle. Below, we outline state laws that will affect your new coverage:
- When changing jobs, your employee health benefits do not leave with you. However, COBRA may help you retain them while you are transitioning.
- If you have just started a new job, be aware that your employee health insurance may not start coverage right away.
- Montana does not require that employers provide health coverage for their employees, so you may have to seek out your own.
- Individual health insurers in Montana have the right to decline you due to preexisting conditions