Young adults (18-to-24 years old) remained the least likely of any age group to have health insurance in 2003 - 30.2 percent of this group did not have health insurance.
Montana Family Health Insurance (MT)
The state of Montana provides its residents peace of mind through regulations in the area of family healthcare coverage. Coupled with these state guidelines are several affordable and reliable health insurance plans, many of which could suit the needs of you and your family. Research your options and choose the family health insurance plan that provides you with the most comfort.
Family Health Insurance Regulations in Montana (MT) :
In Montana, any health insurance company may deny coverage to applicants with medical problems.
Montana does offer assistance through its insurance pool - the Montana Comprehensive Health Program -for those denied coverage, which includes those who are eligible for Health Insurance Portability and Affordability Act (HIPAA). This pool has no annual benefit limit, although it des have a $1,000,000 lifetime cap. There is also a 12-month waiting period for coverage of pre-existing conditions.
Premium limits vary in regards to small business group health plans. Unfortunately, self-employed Montana residents are unable to enroll in group plans.
For both individual and group coverage in the state, Montana limits the amount of time a health insurance carrier can exclude coverage for a condition that was already present prior to the start of the effective date of new coverage. For group plans the exclusion limit is 12 months. Insurance companies can also look at medical records up to 6 months prior. (The maximum exclusion time for group plans can be up to 18 months for late enrollees.)
Family-Health-Insurance reviews insurance services to provide information on products and options, but is not an insurer or a licensed agency. Coverage and policies described on this site may not be available in all states.
