Montana Health Insurance Laws
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Montana Health Insurance

Consumer Rights under MT State Law

If you are seeking insurance in the state of Montana, there are some things you should be aware of before choosing a health insurance company. There are laws set in place by the state and federal government that are intended to protect the rights of individuals. We will briefly discuss the most important regulations that can affect you.

Montana has two basic policy provisions. They do not allow an insurance company to cancel a policy based on the physical health of an insured individual. They can cancel an insurance policy for other things like contract violation and lack of premium payment.

Also Insurance companies can only exclude coverage of a pre-existing condition for a maximum of 12 months. For individuals this is a good thing. Most states allow insurance companies to permanently exclude pre-existing conditions.

If an individual stays continually covered they can use their exclusion time is credited to their new policy. This means if they started a policy with once company and passed six month of their waiting period, the six months in credited the their new insurance company.

Insurance companies in Montana have the freedom to turn down an applicant if they do not meet certain health restrictions. They also have the freedom to set their premium at whatever rate they feel is reasonable.

Always check with your health insurance company on latest policies. These types of policies rarely ever change (but can), and they are very similar from state to state. So, we have tried to highlight the differences, where applicable.

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