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Montana Health Insurance
Many Montanta residents look to individual healthcare insurance policies because they do not have access to group insurance. Individual policy holders feel that the cost of individual health insurance policies is much less important than the peace of mind that having insurance gives. When researching which individual healthcare policy is the right policy for you, it is important to know what a policy must legally offer and how the state of Montana might be able to help you in your search for coverage.
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Ensuring You Get Affordable MT Health Insurance
Montana's Individual Insurance Policy Regulations include:
- Insurance companies are not required to award policies to individuals regardless of the individuals' health status.
- Newborns are covered under their parents' individual policy for 31 days after birth.
- Insurance companies must offer a standard plan to all residents. Insurance companies can also other plans.
- Insurance companies can choose to exclude pre-existing conditions permanently or can choose to not cover a condition for twelve months after a policy is opened.
- Insurance companies can only cancel a policy for non-payment unless the policy was issued only for temporary coverage.
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Special Programs From The State of Montana
- The Montana Comprehensive Health Association Traditional Plan provides access to healthcare policies for those who cannot get individual polices. Pre-existing conditions, or medical conditions which occurred within a three year period prior to receiving coverage, will be excluded for one year with certain exceptions. Coverage includes hospitalization, office visits, and maternity. Members must pay deductions and copayments.
- The Montana Comprehensive Health Association Pilot Program has the same coverage as the Traditional Plan, but assists members with low incomes with premiums. Under this coverage, pre-existing conditions are excluded for four months.
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Affordable-Health-Insurance.com is an informational resource only and not an insurer or broker. The information on this site is provided for research purposes only, and is not necessarily affiliated with any specific carrier. We are not necessarily associated with any provider profiled on our site, and make no guarantees about the carrier affiliation of any broker that contacts you. Coverage options and policies may not be available in every state, and no guarantees of the same are made herein.
