Montana Health Insurance
Its alpine lakes, scenic badlands and snow-capped mountains make Montana a
glorious place to call home. But it's easier to enjoy the outdoors and absorb
the rich history if you're healthy.
Like most Montanans, you probably are eager to experience each day. Despite
your fervor for life, illness and injury still may occur. The right Montana
health insurance will provide you with adequate health care, giving you
resilience to jump back into the excitement.
Think of InsureMe as your Montana health insurance facilitator. Simply
provide a little information and receive up to five free quotes.
Life waits for no one, so get moving and get protected with the right
A Few Terms
- Deductible: The amount you pay before your Montana health
insurance plan covers your health care expenses. HMO and POS plans may eliminate
this payment when you remain in-network.
- Premiums: Total monthly or
- Co-insurance: The percentage
you pay along with your deductible. Co-insurance is common in the indemnity and
- Co-payment: The amount you pay
when you receive care. It varies depending on your Montana health insurance plan
and is lower if you go to an in-network provider.
Just The Basics
There are four main types of Montana health insurance plans. When insurance
shopping, think about which of the following would best fit your lifestyle.
- Indemnity (Fee for Service): Generally the most costly,
indemnity plans offer the widest selection of health care providers. This type
of Montana health insurance requires you to pay the bill and send it to the
insurer to be refunded.
- Preferred Provider Organization
(PPO): The main concept behind a PPO is the network. You have the
choice of any health care provider in or out of your network, which is
determined by your policy. You then make a co-payment or pay co-insurance.
Staying in-network saves you a bundle with the PPO plan!
- Health Maintenance
Organization (HMO): Like the PPO, the HMO requires you
make a co-payment to an in-network physician. The HMO won't pay
if you receive care outside the network. To obtain specialty care, you must
attain a referral from your primary-care physician.
- Point of Service (POS or Open Access
HMO): The POS allows you to go out of network but usually only
reimburses you 50 to 80 percent. You may also be required to pay co-insurance
and a deductible.