MONTANA HEALTH INSURANCE
The Montana Comprehensive Health Association (MCHA) is a program that offers policies of individual health insurance to eligible Montana residents who are considered uninsurable due to medical conditions. The MCHA also is the coverage available to persons who are leaving group coverage. The MCHA is sometimes referred to as Montana’s “high-risk” pool. The MCHA provides coverage of “last resort” and is not intended to duplicate coverage from any other source, public or private. The MCHA plans are administered by Blue Cross Blue Shield of Montana and currently provide coverage for about 3,000 Montanans.
The MCHA is committed to providing access to quality health insurance coverage for uninsurable Montanans. In fulfilling this vision, the MCHA believes in:
Quality health insurance plans
Accessibility for qualifying Montanans
Effective programs to manage health care claims and expenses
Collaborative industry involvement
MONTANA MEDICAL INSURANCE STATISTICS
Consider the following statistics about health care coverage in Montana:
Total Montana Residents – 954,316
Montana uninsured residents – 15.92%
Total Montana HMO enrollment – 56,633
Avg annual employee premium in MT employer-sponsored plan (after employer contrib): $583
Avg MT hospital cost per inpatient day (before insurance) – $975
MONTANA HEALTH PLANS
AN INDIVIDUAL AND FAMILY HEALTH PLAN IN MONTANA
A new Montana private health insurance plan may be right for you if:
You are self employed
Your employer does not offer a group plan
You are enrolled in a group plan, but it does not cover spouses or dependents
You are enrolled in a health plan, but the premiums are too high
You are enrolled in a health plan, but your benefits needs have changed
AFFORDABLE MT INDIVIDUAL & FAMILY MEDICAL INSURANCE
If both you and your spouse or domestic partner are looking for a new health insurance plan, we recommend that you look up health insurance quotes both together and separately to find the plan that is most affordable for you. Depending on the health insurance company, Montana individual and family health insurance rates for couples can be based on the age of the youngest person on the policy. Some couples with an age difference of several years may find they save money by applying for the same plan rather than individually. Couples that are only a few years apart might be able to reduce their total costs by applying for separate health insurance plans. If you decide to apply for a health insurance
plan as a couple, make sure the plan you choose covers the benefits both of you need.
HEALTH INSURANCE COVERAGE FOR MONTANA STUDENTS
When you’re healthy and rarely visit the doctor it’s easy to forget how important health insurance is until you actually need to use it. Minor injuries and emergency room visits can cost a lot to a college student on a budget. But one important point that most students forget is that they have more options than the average person when it comes to getting health coverage.
COVERAGE OPTIONS FOR MONTANA STUDENTS
Stay on Parent’s Plan - if you are a fulltime student, you may be eligible to remain on your parent’s plan. It is easier since your parents will be handling the bills, but if you go to school out-of-state, your coverage levels may not be as robust as they would be in your home state. Also, your parent’s health insurance could be more expensive than other coverage options.
School Sponsored Plan - Some colleges offer their own health plan. Some common concerns with these plans is that they may not cover services off-campus or you can lose eligibility if you are a part-time student. Check to see if your school offers a health plan for its students.
Student Health Plan - These plans are for full-time students typically between 17-29 years old. The major advantage with this plan is that the coverage will travel with you wherever you go in the US. However, it may require you to pay your premium in a single lump-sum amount and it is not available in every state.
Individual and Family Plans - You can also purchase an individual and family health plan. Individual and family health insurance is a type of health insurance coverage that is made available to individuals and families and offers a range of coverage benefits depending on the actual plan you select.