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 insurance today!

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 annual payment
• Co-insurance: The percentage you pay along with your deductible. Co-insurance is common in the indemnity and PPO plans.
• 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.