MHIAP coverage includes hospital and physician care, prescription drugs, home health care, organ transplants and other services. A maternity benefit is offered for an additional premium. For most services, the plan will pay for 80% of covered charges after you have satisfied your annual deductible. Under MHIAP, you have a choice of two plans, a major medical plan option and a PPO option. Each plan offers a choice of deductibles ranging from $250 to $2,000. After you have paid a maximum amount for covered services (also called the outofpocket limit), MHIAP will pay 100% of covered charges. MHIAP's outofpocket limit is $4,000. There is a lifetime limit of $1 million for all benefits under MHIAP. Premiums will vary depending on the deductible you choose, your age, gender, where you live, and whether you smoke. Contact the MHIAP Customer Service Center or the Montana Department of Insurance for more information or to apply for MHIAP coverage.
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