East Coast Health Insurance offers two great health insurance plans in Montana including the Blue Cross Blue Shield of Montana health plans and the Clear Choice Health Plans companies.
In the Utah health insurance market there are 5 main health insurance companies each offering at least 30 health insurance plans each. 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 with the 4 big health insurance companies in Utah.
As the Montana state government offers a state risk pool called the Montana Comprehensive Health Association (MCHA) there are other options to ensure that nearly every Montana resident has a chance at getting a great health plan regardless of health or wealth.
The MCHA offers coverage to anyone that has been declined by at least two health insurance companies or has a serious medical condition that disqualifies them from obtaining a Montana health insurance policy.
Montana health insurance providers are allowed to use a 12 month pre-existing clause and underwrite individuals based only on the last three years. However, if an individual has prior coverage they are excused from these clauses.
If you think you might qualify for these plans you can call both the Montana Department of Insurance at 406 444 2040, or MCHA which happens to be administered by the Montana Blue Cross Blue Shield at 800 447 7282.
Medicaid and or SCHIP can be contacted at 800 421 6667.
Montana Health Insurance Companies
Blue Cross Blue Shield of Montana
Blue Cross and Blue Shield of Montana is an independent, locally operated licensee of the Blue Cross and Blue Shield Association, and has been providing health care coverage to Montanans for almost 70 years.
Founded in 1940 with almost 250,000 members the Montana Blue Cross Blue Shield is the most reputable company in Montana, and even handle the state’s Medicaid and SCHIP plans.
Blue Cross Blue Shield of Montana is s a not-for-profit health plan, and as such can offer the most affordable Montana health insurance premiums.
Please click here for a Montana Blue Cross Blue Shield Quote
Blue Cross Blue Shield of Montana Evolution Plan
Clear Choice Health Plans, Inc.
Since 1995, Clear Choice Health Plans has been offering health insurance in 4 states with over 40,000 members and 3,500 hospitals. Clear Choice has developed affordable plans to meet the needs of employers, providers and consumers.
Additionally Clear Choice 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.
The typical Clear Choice plan below is flexible but like Blue Cross’s copay plans lack a significant benefit which is unlimited copays at the doctor/specialist office. So because of this limitation in the Montana health insurance market it might be more advisable to consider a consumer driven health plan like an HSA as it is just not worth it to spend extra money for a copay plan with only 4 office visits covered before the deductible.
