Where to Get Low Cost Montana Health Insurance

Looking for health insurance in Montana? Here's how to get low cost health insurance in Montana with a reliable health insurance company.

State Sponsored Health Insurance

In 1985 Montana created the Montana Comprehensive Health Association program to help Montana residents who cannot get private health insurance due to a pre-existing medical condition. In order to qualify for the MCHA program you must:

* Be a Montana resident

* Have been rejected by two insurance companies or have been offered a restrictive health insurance rider

* Have a particular type of illness as specified by the MCHA program

* Not be eligible for private health insurance, Medicare, or Medicaid

For more information on the MCHA program, visit the MCHA website at: mthealth.org.


Private Health Insurance

There are two types of private health insurance plans available to individuals, families, businesses, and groups in Montana:

* FFS (fee-for-service) plans, also known as indemnity plans, provide health care coverage that allows you to use your own doctor and hospital. Basic FFS plans cover doctor visits, hospital fees, and prescription drugs. These are the most expensive health insurance plans.

* Managed health care plans (HMOs, PPOs, and POSs) assign you to a network of doctors, specialists, and hospitals that you must use for your medical care. These plans cover doctor visits, hospital fees, prescription drugs, and may even include
preventive care options such as health education classes and discounted health club memberships.


Where to Get Low Cost Health Insurance

The best place to get low cost health insurance in Montana is at an insurance comparison website where you can get quotes from a number of companies on one site. The best comparison websites feature an online chat service where you can get answers to all your health insurance questions from an insurance expert, and an Article section where you can get money-saving tips and information (see link below).

Visit http://www.LowerRateQuotes.com/health-insurance.html or click on the following link to get low cost Montana health insurance quotes from top-rated companies and see how much you can save.


The author, Brian Stevens, is a former insurance agent and financial consultant who has written a number of articles on how to get low cost Montana health insurance.