Montana Insurance FAQs

• Q: Can I Be Forced To Wait For My Group Coverage To Begin?
  A: Yes. This is called the pre­enrollment period, usually between 30­90 days. These waiting periods, however, cannot vary due to your health status. However, if … More
• Q: What Constitutes Continuous Coverage?
  A: Continuous coverage is deemed as such provided that you do not allow health insurance to lapse for a period more than 63 days.
• Q: What Are Some Examples Of Creditable Coverage?
  A: Federal Employees Health Benefits (FEHBP) Group health insurance (including COBRA) Indian Health Service Individual health insurance Medicaid Medicare Military health … More
• Q: What If Certain Things Occur During This Waiting Period?
  A: Certain events trigger what is called a "special enrollment opportunity." Examples of these are: The birth, adoption, or placement for adoption of a child; Marriage, … More
• Q: What Is Individual Health Insurance?
  A: Individual health insurance is health coverage you buy for yourself if you are not covered by either your current employer's health plan or by your former employer's … More
• Q: Can Anyone Buy Individual Health Insurance?
  A: In Montana, your access to individual health insurance may depend on your health status. Private insurers in Montana are not prohibited from turning you down, charging … More
• Q: What Are Some Of The Details Of Individual Insurance In Montana?
  A: MHIAP coverage includes hospital and physician care, prescription drugs, home health care, organ transplants and other services. A maternity benefit is offered for an … More
• Q: Can I Be Forced To Wait For Coverage To Begin If I Am Sick When I Buy Individual Insurance?
  A: Other than in MHIAP, there are no limits on preexisting condition exclusion periods under individual health plans in Montana. Coverage for preexisting conditions may … More
• Q: Can My Health Insurance Be Canceled If I Get Sick?
  A: No. Your health insurance cannot be canceled because you get sick. All health insurance is guaranteed renewable.
• Q: How Are Auto Insurance Rates Calculated?
  A: There is a different base rate for each type of car and geographical area. While individual companies may differ in the amounts they assess for each factor, the major … More
• Q: How Can I Save Money On My Auto Insurance?
  A: There are several ways to save money on car insurance. However, it is important to maintain adequate levels of insurance to cover unexpected accidents. The following … More

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