Every Choice Health Insurance offers one truly great health insurance carrier in Montana for individual coverage, which is PacificSource Health Plans. In the Montana health insurance market, there are very few health insurance companies available, with only PacificSource as our only recommendation. There are other health insurance companies but they are not reputable and often times will try to play tricks with coinsurance or other similar tactics to hide the fact that they cannot compete.
On & Off Exchange Plans in Montana
Under Obamacare, Montana health insurance companies must also guarantee issue of coverage to all applicants, therefore individual insurance is available to more residents – yet only during Open Enrollment. The Open enrollment period for Individual and Family health plans runs from November to January each year. It is the sole time of year when those who do not have access to coverage through work, Medicaid, Medicare, or any other source, can purchase a policy for the coming year.
Residents also have access to coverage through the Health Insurance Marketplace, which offers subsidized plans for low-to-moderate income households in Montana, or full priced plans for those with higher incomes.
Montana’s Medicaid program offer coverage for low-incme individuals, families and those with specific health situations. Medicaid and the Childrens Health Insurance Program (CHIP) in Montana can be contacted at 800 421 6667.
Montana Health Insurance Companies
Since 1995, PacificSource Health Plans, once named Clear Choice Health Plans, has been offering health insurance in 4 states with over 31,000 healthcare providers. PacificSource has developed affordable plans to meet the needs of employers, providers and consumers.
Additionally PacificSource offers not just individual health insurance plans for the under 65 crowd but also offers Medicare Advantage plans, commercial plans, individual plans and administrative services to individuals and businesses throughout the Northwest.
All plan options provide access to high level benefits for covered services at home, on vacation, traveling on business, or away at school.
For individual coverage, the Preferred plan is optimum, which is the only option including first-dollar benefits. These immediate benefits include doctor’s office visits, home health care, chiropractic care, naturopathic care, and urgent care, all for a $30 copay when using the PPO network. After the deductible is met, Preferred plans cover 70 percent of major medical care after you meet the deductible.