Montana Health Insurance
As a resident of Montana, you have plenty of Montana health insurance options to choose from. There are multiple insurance companies in Montana that provide a range of plans for a variety of health needs.
Here you'll be able to get helpful information for finding health insurance in Montana. See some of the state’s top health insurance companies and read about the important Montana health insurance laws and regulations you should be aware of as you look for your plan. You can also find information about financial assistance and public Montana health insurance programs.
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If you would like to get free quotes and compare Montana health insurance plans now, start with our simple form on the right.
Resources on this page
Montana Health Insurance Companies
Montana Health Insurance Laws and Regulations
Public Health Insurance Programs for Montana Residents
Contact Info for the Montana Department of Insurance and Department of Health and Senior Services
The following list of companies offer health insurance plans in Montana:
MEGA Life and Health Insurance Company
At The MEGA Life and Health Insurance Company, the focus is on personalizing a health plan that meets your needs.
Montana Health Insurance Laws and Regulations
Montana health insurance law requires these medical services to be covered by all individual health plans:
- Mammograms
- Diabetes care
- Vaccinations for children
Montana health insurance companies are also required to set coverage limits and maximums for mental health conditions equal to physical conditions, also known as mental health parity.
Residents also have access to a uniform Montana health insurance plan that is designed to be more affordable. The plan offers basic coverage including a 50 percent coinsurance rate for medical care and a $1,000 annual deductible.
Montana health insurance companies can also look at an applicant's health history and status before accepting them into coverage.
For residents who are denied coverage because of a pre-existing health conditions, they can receive insurance coverage through the state's high-risk pool, the Montana Comprehensive Health Association (MCHA). To learn more about MCHA, visit them online.
Montana Public Health Insurance Programs
Here are the public Montana health insurance programs that help low-income residents get coverage:
- Medicaid
The Montana Medicaid program provides free health insurance for some low-income residents and disabled citizens. For more information on Medicaid in Montana, visit their website.
- Montana Children's Health Insurance Plan (CHIP)
The CHIP program in Montana offers health insurance coverage for children who do not qualify for Medicaid. To find out more about the Montana health insurance program for children visit http://chip.mt.gov/.
- Montana Breast and Cervical Health Program (MBCHP)
Low-income women can receive free breast and cervical cancer screening through this program and get full health care coverage from Medicaid if diagnosed with either cancer. To learn more about this Montana health insurance program for women, visit their website.
To find an index of the Montana health insurance programs, visit the Department of Public Health & Human Services.
Montana Auditor's Office and Insurance Department and Department of Public Health and Human Services
Find the contact information for the Montana health insurance and public health departments at:
Montana State Auditor's Office/Insurance Department
840 Helena Ave.
Helena, MT 59601
Phone: (406) 444-2040
http://www.sao.state.mt.us/insurance/index.asp
Montana Department of Public Health & Human Services
111 North Sanders Street
Helena, MT 59604
Phone: (406) 444-2596
http://www.dphhs.mt.gov/
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