Health Insurance

One only has to read a newspaper, watch television, or listen to the radio to know and appreciate the importance of securing and maintaining quality Montana health insurance. Costs of both routine medical care and specialized treatments are increasing at a much faster pace than are household incomes. This fact alone makes having Montana health insurance a necessity which one cannot afford to be without or lose! This is why so many people are turning to insuranceUSA.com for their Montana health insurance quotes. In its most basic form, health insurance is simply a written policy which covers the cost of medical expenses. Some states expand this to include disability and long-term care.

This article will provide you with information detailing the regulations of Montana health insurance, both for individuals and small groups. You will also find information pertaining to COBRA- the Consolidated Omnibus Budget Reconciliation Act of 1986. This plan allows many workers to continue group coverage for a limited amount of time under certain circumstances, such as the loss of a job, reduction in work hours, transition between jobs, death, divorce, and other life events.

You will also be provided with some interesting statistics which will allow you to compare the health and well-being of Montanans to those of people who live in other parts of the country.
All you need to know about Montana health insurance is fully outlined in this article. Once you have read and learned what is available to you and made your personal choices, insuranceUSA.com is standing by to assist you with quotes specifically tailored to your individual needs.

Montana Individual and Family Health Insurance
Many Montana health insurance companies which offer individual and family health insurance plans may base their decision on whether to approve or deny your application for health insurance on your current or past health status. Any person applying for health insurance will have to fill out a detailed application, which involves answering many questions relating to your present and previous health status, family medical history, and life-style questions, such as smoking habits, alcohol consumption, etc. Based on this information, an Montana health insurance company can deny you coverage altogether, or they may offer you a policy which contains a rider, which basically excludes coverage for any pre-existing condition. This rider can be enforced for a limited amount of time or can be in effect for the entire time you hold the insurance policy. Some Montana health insurance companies also place a waiting period on pre-existing conditions, even if a formal rider was not written into the policy. This is regardless of whether the person to be insured had prior health insurance or not.

Montana Group Health Insurance
Montana health insurance for groups is designed for those companies that have between 2 and 50 employees on staff. Companies are not required to offer Montana health insurance to all of their employees, however. Part-time employees and those who live outside of the insurance company’s service area may not qualify for the group plan. Under Montana health insurance regulations, all employees who are eligible for coverage under a group plan will be covered, no matter what their current state of health. Group insurance plans may impose restrictions on pre-existing conditions that were treated within the six months prior to coverage beginning. In that case, there are certain kinds of insurance plans that will provide medical coverage for pre-existing conditions that are not included in the group plan. Employers, and not the insurance companies, can require a waiting period before coverage begins for Montana health insurance plans. These waiting periods vary in length.

Montana COBRA Insurance
Montana health insurance regulations require that COBRA applies to employers with 20 or more employees. An employee who is eligible to have COBRA coverage can keep the coverage for up to 18 months, or until they acquire another type of Montana health insurance. Depending on the situation, some eligible dependents can stay covered for 36 months, and the disabled for up to 29 months. Montana health insurance under COBRA is the same coverage you had with your group plan. If the group plan you belonged to ends, the COBRA plan will end also. For those whose COBRA coverage has run out or ended, Montana health insurance can be obtained through the Montana Comprehensive Health Insurance Association (ACHIA).

Montana health Information and Statistics
If you are in the market for quality Montana health insurance, the following facts may be of interest to you. You will find helpful statistical information outlining how Montana ranks in many categories related to overall health, both medical and lifestyle, plus other pertinent material.

Some of the positives of residing in Montana are low levels of air pollution, a low incidence of infectious disease, and a low prevalence of obesity. Montana also faces many challenges, including low immunization coverage, a high occupational fatalities rate, and a high geographic disparity within the state.

According to a 2008 study, Montana had some significant changes over the past year. These include an increase in the rate of violent crime of 13% and a decrease in the percentage of children in poverty of 9%. In the last five years, the rate of uninsured population increased by 17%. Since 1990, the prevalence of obesity has risen by 160%.

Following is a variety of statistical data related to living in Montana, as compared with the rest of the country. These state rankings may be helpful when you consider purchasing Montana health insurance.

  • Prevalence of Smoking-23rd
  • Prevalence of Obesity-8th
  • Violent Crime-14th
  • Children in Poverty-25th
  • Air Pollution-8th
  • Cancer Deaths-18th
  • Lack of Health Insurance-35th
  • Prevalence of Binge Drinking-34th
  • Infant Mortality-17th
  • Infectious Disease-3rd
  • Premature Death-30th

Overall Rank: 23
Change: -5