Individual Health Insurance in Montana (MT)
Almost 1 million people live and work in the Treasure State. Another 11,500 are born into the population each year. The bad news is that 16 percent have no health insurance to speak of. The good news is that with all of the health insurance policies available today, there is a policy that is perfect for anyone and everyone.
Montana Health Issues
Only 83 percent of Montana's new mothers-to-be get the prenatal care they need to ensure a healthy pregnancy. This results in 880 babies born with a low birth weight each year, more than 7 percent of all newborns. Another 11 percent are born prematurely and 20 percent don't receive the immunizations that are recommended for all kids under the age of 3 by the American Medical Association. Eleven percent of kids between the ages of 10 and 17 are classified as obese and 44 percent didn't get to see a doctor and a dentist last year.
Health Insurance Needs in Montana
Adults in Montana would benefit greatly from the basic attention that would come from preventative checkups. Almost 6 percent of Montanans are diagnosed with diabetes, 12 percent have asthma, 54.7 percent are obese or overweight and 19 percent smoke. All of these can add up to serious health problems including heart disease, cancer and stroke if not caught and treated early. Don't procrastinate: get your free health insurance quote today.
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Montana Health Insurance Laws
Individual health insurers are free to deny applications from those with health problems. The Montana Comprehensive Health Program will help those who have been denied individual health coverage and also includes HIPAA eligible individuals. Montana regulations provide a low coverage standardized plan be offered to all residents, although insurers can also offer ones with more benefits.
Pre-existing conditions can be considered those within the last three years prior to individual coverage. Insurers are allowed to impose exclusion periods with a maximum 12 month time limit and they can also attach elimination riders to the policy. There are no limits placed on premium costs due to health problems of the applicant.
Montana Individual Health Insurance Companies
Assurant Health
Blue Cross Blue Shield of Montana
Celtic
Security Life
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