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Population: 944,632
(Source: U.S. Census Bureau)
Uninsured: 157,000
(Source: U.S. Census Bureau)
Health Benefits Direct is a licensed insurance broker for Montana health insurance policies. Click here to view our registration with the Montana Office of Insurance (We're listed as HBDC). |
Montana has the 40th highest number of uninsured in the U.S.
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Health Insurance News in Montana
What If I've Been Denied a Health Insurance Claim?
Children's Health Insurance: Montana
Buying Individual Insurance Policies in Montana
State regulation of individual health insurance differs greatly from state to state. For you, this means certain conditions or providers covered in one state may not be covered in another.
Each state has its own health insurance mandates. Those mandates require that insurance companies and health plans cover, or offer coverage for, certain conditions, benefits, providers and patient populations.
Here is a list of mandated and non-mandated conditions, covered persons and providers in Montana:
(Source: Health Insurance Mandates in the States 2008¹, Council for Affordable Health Insurance. Last updated Jan 2008.)
| Mandated (Covered) Conditions |
Non-Mandated Conditions |
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Alcoholism
Breast Reconstruction
Diabetic Supplies
Drug Abuse Treatment
Emergency Services
Home Health Care
In Vitro Fertilization
Mammogram
Mastectomy
Mastectomy Stay
Maternity
Maternity Stay
Mental Health General
Mental Health Parity
Newborn Hearing Screening
Other Infertility Services
PKU/Formula
Well-Child Care
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Alzheimer's
Ambulatory Surgery
Ambulance Services
Anti-Psychotic Drugs
Autism
Birthing Centers/Midwives
Blood Lead Poisoning
Blood Products
Bone Marrow Transplants
Bone Mass Measurements
Cancer Medications
Cervical cancer/HPV Screening
Chemotherapy
Chlamydia
Cleft Palate
Clinical Trials
Colorectal Cancer Screening
Congenital Bleeding Disorders
Contraceptives
Dental Anesthesia
Diabetes Self Management
Early Intervention Services
Habilitative Services
Hair Prostheses
Hearing Aid
Hospice Care
HPV Vaccine
Kidney Disease
Long Term Care
Lyme Disease
Minimum Hysterectomy Stay
Minimum Testicular Cancer Stays
Morbid Obesity Treatment
Neurodevelopment Therapy
Newborn Sickle-Cell Testing
Off-Label Drug Use
Orthotics/Prosthetics
Ostomy Related Supplies
Ovarian Cancer Screening
Port-wine Stain Elimination
Prescription Drugs
Prostate Cancer Screening
Psychotic Drugs
Rehabilitation Services
Second Surgical Opinion
Smoking Cessation
TMJ Disorders
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| Mandated Covered Persons |
Non-Mandated Covered Persons |
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Adopted Children
Continuation/Dependents
Continuation/Employees
Conversion to Non-Group
Handicapped Dependents
Newborns
Non-Custodial Children
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Dependent Students
Grandchildren
Domestic Partners
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| Mandated (Included) Providers |
Non-Mandated Providers |
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Acupuncturists
Chiropractors
Dentists
Denturists
Naturopaths
Nurse Anesthetists
Nurse Midwives
Nurse Practitioners
Physical Therapists
Physician Assistants
Professional Counselors
Psychologists
Public or Other Facilities
Social Workers
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Chiropodist
Dieticians
First Nurse Assistant
Lay Midwives
Licensed Health Professional
Marriage Therapists
Massage Therapists
Nurses
Occupational Therapists
Opticians
Optometrists
Oral Surgeons
Osteopaths
Pain Management Specialist
Pastoral Counselor
Pharmacists
Podiatrists
Psychiatric Nurse
Speech or Hearing Therapists
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Although health insurance coverage for a particular condition or provider may not be mandated in your state, insurance carriers may still provide coverage for the condition or provider. Please keep in mind that major medical health insurance plans are subject to health underwriting and that mandates do not necessarily guarantee coverage. If you're not sure whether you could receive coverage, one call to Health Benefits Direct can help you determine if you're eligible to buy an individual health insurance policy in Montana.
Health Benefits Direct provides free health insurance quotes on affordable health insurance plans for Montana residents. We work with highly rated insurance carriers to deliver quality health insurance plans to families and individuals across Montana.
¹Authors: Victoria Craig Bunce & JP Wieske
Please note that information contained on this page can change at any time. Consequently, while we seek to present as up-to-date information as possible, Health Benefits Direct in no way warrants the accuracy of the information.
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