Montana Health Insurance

Residents across Montana know the importance of good health insurance plans to protect their families and keep themselves healthy. Since keeping track of costs, benefits, requirements, and coverage options can be tricky and daunting to say the least, The Simple Dollar has put together a convenient health insurance resource resource designed specifically for Montana residents. This guide includes statistics that affect the cost of health insurance in the state, different types of coverage options, and government resources for assistance.

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Stats in Your State

To better understand the factors that affect health insurance, we’ve put together a number of statistics and visual aids to help you compare the price of health insurance across the region, as well as information about certain demographics who utilize state and government-sponsored healthcare.

Chip Medicaid

Although CHIP enrollment in Montana stayed remained static in 2009 and 2010, enrollment in Medicaid increased by over 14,000 policyholders between the years. This increase saw statewide enrollment increase from roughly 80,000 to 95,000 statewide through the two programs.

Individual Health Insurance Premiums

At $823 per month for a single-payer plan, Montana’s health insurance premiums for employer-based plans rank among the lowest in the country. Workers in Montana save more than $200 compared to the national average, and pay significantly less than workers in neighboring states in the Northern midwest.

Family Health Insurance Premiums

With premiums for family health plans at roughly $3,700, Montana’s family health premiums rank well below the national average and just second behind Utah in terms of the lowest-cost health insurance in the region. Of course, the employer foots the majority of the premium, with the employee taking care of a portion of his family’s monthly premium each month.

SAHIE Health Insurance Uninsured

The Census Bureau estimates that in 2010, roughly 170,000 Montana residents went without health insurance coverage, down from 176,000 in 2009. Regardless of the slight drop, it’s apparent that affordable health care options for Montana residents are a top priority in the future.

Rules in Your State

The unfair trade practices listed below are fairly straightforward, and apply to Montana insurers and their actions towards claimants and insured policyholders. Use the links below for the full content of the regulations and to better understand how insurance is regulated in Montana.

Unfair Insurance Trade Practices: Unfair trade practices are clearly defined and laid out for both consumers and insurers to see. These trade practices apply to the insurance industry in general.

Unfair Claims Settlement Practices Prohibited: Claims settlements can sometimes be stressful, trying, or aggravating. If you feel your insurer has been unusually difficult, discriminatory, or unfair, you should check through this list of prohibited practices and potentially consult with an attorney for further assistance.

Rules in Montana: Alcohol & Your Health Insurance

Thought Montana law allows insurers to deny benefits and treatment for accidents arising from alcohol or intoxication, Montana requires insurance providers to cover alcohol-related disorders and afford beneficiaries levels of treatment similar to other medical conditions.

Losses Due to Intoxication
Health Insurance Parity for Alcohol-Related Treatment
Montana law specifically permits insurers to deny benefits for losses arising from intoxication.
Health plans in Montana must cover treatment of alcohol-related disorders and provide the same levels of benefits for alcohol-related disorders as they do for medical and surgical conditions.
Health insurance plans that cover alcohol-related disorders may NOT be subject to higher deductibles or higher premiums; however, they may be subject to more restrictive financial limits on lifetime treatment for alcohol-related disorders than for medical and surgical coverage.

Representatives & Resources in Your State

For readers seeking to get in touch with their local government for either guidance on how insurance works or assistance with consumer advocacy, the links below are great starting points. You’ll find guides and brochures with the Department of Insurance, and other departments offer assistance to low-income families and persons with special needs.

Montana Department of Insurance
Commissioner of Securities and Insurance
840 Helena Ave
Helena, Montana 59601
Get Directions
(406) 444-2040
Contact Information
Complaint Resource
The complaint resource allows consumers to file a complaint against an insurer for unfair conduct.
Health Insurance Resource
This link provides numerous guides and answers to frequently asked questions about health insurance.

Montana Health Care Reform Information
The myriad changes scheduled for 2014 and 2015 in health care reform have many residents wondering how they will be affected. This link provides answers.

Montana Health Insurance Guide
This pamphlet by the Department of Insurance gives a good overview and primer on how to choose a good health insurance policy and the options available to Montana residents.

Montana Department of Health & Human Services
111 North Sanders, Room 301
Helena, MT 59620
Get Directions
(406) 444-5622
The Department of Health and Human Services offers assistance to families and individuals in need of emergency assistance for medical conditions, abuse, neglect, or persons with special needs.

Montana Healthy Kids: Montana Children’s Health Insurance Program
Healthy Montana Kids
PO Box 202951
Helena, MT 59620-2951
The Montana Healthy Kids program offers affordable healthcare options to children of low-income Montana families.