Health insurance is necessary to protect your family’s health against unfortunate circumstances of sickness or injury. Before selecting health coverage, you should address your family’s medical needs and your budget. There are a regulations put in place to protect you. Being a Montana resident, you can choose from various health insurance alternatives. The Montana State Auditor’s Office supervises the regulations under which the Montana health insurers can sell private health insurance to individuals and families.
If you’re seeking coverage only for yourself, your best option will likely be to try and join group health plan, such as the one often offered through an employee benefits package, or through membership in an organization such as a church or a professional organization. You may be able to buy individual coverage directly from a Montana-licensed health carrier. Individual policies can be expensive, and carriers will evaluate an applicant’s health risk factors before making a decision to issue coverage. That means that if you have a serious medical condition, or are predisposed toward a certain condition, a carrier may decline to issue coverage.
When you first enroll in a group health plan in Montana, the employer or insurance company may ask if you have any pre-existing conditions. Or, if you make a claim during the first year of coverage, the plan may look back to see whether it was for such a condition. If so, it may try to exclude coverage for services related to that condition for a certain length of time. However, federal and state laws protect you by placing limits on these pre-existing condition exclusion periods under group health plans.
Family health insurance may be right for you and your family. Montana insurance companies offering family medical insurance are permitted to medically underwrite any application for health insurance. The insurance company may decline an application based on the health status of the applicant. If you have pre-existing conditions carriers may ensure you but restrict benefits for the treatment of the medical condition.
You should never have to go without health coverage not even for a short period of time. You may need this insurance if there is a gap in your coverage in Montana. Short term health insurance is used anywhere from 30 days to one year. For example, if you lost your job and have begun searching for new employment with health insurance benefits, affordable temporary health insurance can help bridge the gap. Short term health insurance coverage is also suitable for people who are recent college graduates or on strike.
Students in Montana should not go without health coverage during their time in school. Many colleges in Montana even offer student health coverage plans as an add-on to tuition. Even if you are offered health insurance through your college, it may pay-off to look into other options. You may want to consider a private provider because there is much more flexibility.One of the biggest advantages to obtaining a student plan through a private carrier is the ability to use off-campus medical facilities and doctors. Most health plans will allow dependent children to continue coverage until they reach age 25, and sometimes longer.