Professional enrollment support is available for all of the benefit plans listed on this page. Send your question by e-mail or live online chat.   Most Liberal Eligibility Basic Health Insurance Core Health Insurance Value 24 Hour Accident Value Emergency Room Most Affordable Basic Health Insurance Secure Lite STM Secure Saver STM Value Med Insurance Long Term Major Medical Celticare Dental Insurance Secure DentalOne Online Life Insurance Great Start Child Life Insurance Guarantee Trust term life Insurance International Term Life Simple whole life insurance

Montana Affordable Health Insurance Exchange Montana has several commercial insurance companies that offer individual major medical insurance and 13 small group health insurance plans as well as the Montana Comprehensive Health Association high risk health plan for residents who have been denied commercial coverage due to a pre-existing condition. These standard health insurance plans may not be affordable to all residents. This Web page lists some of the most popular low cost commercial health insurance plans and related benefits. All of these policies offer secure online enrollment and professional OnlineAdviser personal enrollment support. Please note that while many of these choices could be included in more than one of the suggested usage categories, each plan is listed only once for the sake of brevity. Your enrollment adviser is available to discuss suitability of any plan for your specific situation. Montana insurance & benefit news Montana had the 13th lowest health insurance costs of all states in 2008 with an average family premium of $11,438 per year. (The average annual premium for a U.S. family covered under an employer-sponsored health plan in 2008 was $12,298 according to The Commonwealth Fund report. The overall quality of health care ranked 18th out of the 51 states (including DC). Montana subsidizes the cost of small business health insurance through a program called "Insure Montana". Short Term Insurance American Health Shield Celtic Insurance Secure STM Simple STM Intermediate Term Inbound Immigrant Secure 12x3 STM Supplemental Insurance Smart Accident Insurance Value Access Guarantee Montana Insurance Law The Montana Department of Insurance Web site contains help sections for residents who want to file a complaint about an unresolved insurance issue.  The Web site has not yet developed resources to help individuals find commercial low cost health plans like mini-med or core coverage, specific illness policies, supplemental insurance and basic health insurance. The state insurance department can be reached by telephone at (406) 444-2040 or by mail at 840 Helena Ave. Helena, MT 59601. The state children's health insurance plan (CHIP) Web site is Montana Healthy Montana Kids. Non-insurance Discount Plans Benicard Careington PPO Discount Plans Drug Card America Essential Dental Solutions Rx Pay Card See International Coverage and Travel Insurance Listings

Consumer Insurance Issues

5/14/2010 Diabetes Coverage: A new resource to help find health insurance for diabetics in Montana is now available at Freedom Benefits.

4/8/2010 Montana residents covered by Assurant Health are expected to face premium increases following a settlement this week between Time Insurance Company and the  Montana Commissioner of Securities and Insurance for offering low priced coverage below the minimum requirements of Montana Law. Insurance Commissioner Monica Lindeen objected to the lower priced basic health insurance policy from Time Insurance because it did not providing coverage to women for prenatal care and pregnancy, mammography, reconstructive breast surgery, diabetes management and care, and severe mental illness. Assurant will pay a settlement of more than $300,000 and replace its lower cost policy with a more expensive policy that includes the cost of the settlement plus anticipated future claims due to the additional state mandates. No estimate of the required premium increase but we expect that 2011 premium rates will rise about 5% due to this settlement with the state plus an additional amount for medical inflation and other actuarial factors. Our experience indicates that the majority of Montana's health insurance buyers prefer a lower cost policy without the additional mandates that are available in most other states. Montana residents, even more than residents of other states, tend to object to government regulators dictating the insurance provisions they must be included in the policies that they elect to purchase. Even though more freedom in choosing insurance benefits is available in most other states, at this time residents of Montana face significant obstacles purchasing more affordable coverage that is offered in another state. The recently passed federal health insurance reform legislation will remove this obstacle by effectively removing this power from the state.  Montana consumers will not benefit from the federal law change until 2014. Until then all Montana residents and insurance companies offering coverage in Montana must pay the cost of the state's mandates regardless of the need or desire to obtain maternity, diabetes and mental health care benefits.