Montana may be "the last best place" but this is the last place
Montana residents will need to look for the best health insurance available
in Big Sky Country.
Health insurance plans can vary widely from one insurance company to the
next - so we make it easy for you to compare different rates, benefits,
and coverages between different providers. Our broker website can help
you select the best individual or group health insurance that offers coverage
that meets your needs.
Look through our site and find an abundance of useful information and important resources that can help you make one of the most important decisions you'll make for yourself, your family or your employees.
Get your Individual, Family, or Group Health Insurance Quotes Today because rates are like gas prices, they are not going down!
From the traditional "medically underwritten" individual / family
and group health insurance options listed above, to the related links on
the left, you will find information about “guaranteed issue plans” and
State / Federal assisted programs for low income individuals and special
programs for children.
You will also find answers to your specific questions, from pre-existing
conditions, your options when leaving a group health insurance plan to
financial rating organizations and much more.
Take some time and explore the balance of this site. It will be worth your
while!
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Quote Montana, Health Insurance for Single Parents, Health Insurance for
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Choices.
Checkup on Health Insurance Choices
This link takes you to a site provided by the Agency for Health Care Policy
and Research (AHCPR), a Public Health Service agency in the Department
of Health and Human Services (HHS). Below you will find a list of some
of the information contained on the site. Click on the link above and explore
it thoroughly.
Thinking About Health Insurance Choices
Why Do You Need Health Insurance?
Where Do People Get Health Insurance Coverage?
Group Health Insurance
Individual Health Insurance
Health Maintenance Organizations (HMOs)
Questions to Ask About an HMO
Preferred Provider Organizations (PPOs)
Questions to Ask About a PPO
Checklist: What's Most Important to You?
Worksheet: What Is Your Best Health Insurance Buy?
Understanding Health Insurance Terms
AHCPR Publication No. 93-0018, December 1992. Agency for Health Care Policy
and Research, Rockville, MD.
A Consumer's Guide to Getting and keeping Health Insurance in Montana
This links you to a site which is put together by Georgetown University
and contains a lot of useful information that consumers need to know. The
contents are:
- A summary of your protections
- Your protections under group health plans.
- Your protections when buying individual health insurance.
- Your protections as a small employer or self employed person.
It's a great resource.
HIPAA - Guaranteed Issue Plan
The Health Insurance Portability and Accountability Act of 1996 created the opportunity for individuals leaving employer sponsored plans (group health insurance plans) to qualify for guaranteed issue individual health insurance. They must meet certain qualifications. To qualify for a HIPAA plan, you must:- have completed a minimum of 18 months of continuous health coverage, most recently under an employer sponsored group health plan.
- have elected and exhausted continuation of coverage under COBRA, if available
- have lost coverage within the last 63 days
- not be eligible for Medic-aid or Medicare, or have any other health coverage
- Additional requirement apply. Ask your broker if you qualify for a HIPAA plan and if a HIPAA plan is right for you.
Options When Leaving a Group Plan
Be sure to ask about all of your options when leaving a group health insurance plan. If you understand all of them you will be able to choose the best health insurance for the future. Some choices are guaranteed issue regardless of health history and others are not. Prices, benefits and coverage will vary widely. A good broker can walk you through the options. The options may include: Federal COBRA (groups with 20 or more employees), individual conversion plan, extension of benefits if totally disabled, HIPAA guaranteed issue plan, or medically underwritten individual and family health insurance.
We offer Montana residents a full range of CHOICES
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Notice to Consumers - Terms of Use
The 1-Montana-Health-Insurance.com web site is designed as a health insurance directory to help the consumer find quotes and information on health insurance options in Montana. A local broker may be the best source of this information. With a click of the mouse you will be linked to the web site of a broker specializing in health insurance in Montana.
1-Montana-Health-Insurance.com is provided by Online Resource Center and does not sell health insurance and is not affiliated with the broker you will be linked to. By using this web site, you acknowledge that 1-Montana-Health-Insurance.com and or Online Resource Center is not responsible for the actions of the broker that you will be linked to and does not have any control over the accuracy of the information contained on their web site.
The purchase of health insurance can be confusing and it is the consumer's responsibility to ask questions and make sure that they are receiving clear, complete, accurate and appropriate information. Do not cancel any existing health insurance until you are approved for the coverage you apply for and that you know the rates and benefits that have been approved before canceling the existing coverage.
The balance of the information on this web site is also provided as a service to you the consumer. We have attempted to provide information that will help you in your search for health insurance. We do not warrant, nor guarantee that it is current, complete nor accurate.