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low cost health insurance
OnlineNavigator insurance enrollment supportNeed help?

We make it easy to get friendly, personal and help with health care reform questions through two fast support options:

Email support:
Email support is available 24/7 usually with same day response. Address your message to onlineadviser@live.com.

Telephone support:
Schedule telephone support with a call back at your convenience.

OnlineNavigator support is an independent service offered by Tony Novak, CPA, MBA MT subject to the adviser's schedule availability. This support is not intended to replace the services offered and available through other channels by your insurance company, insurance agents and health insurance navigators. Specifically, this service does not replace  online pricing and enrollment functions, billing, claims or administrative services and does not assist with Medicare or Medicaid plans.

See the OnlineNavigator web site for details on privacy policy and terms of service. 


Covering the Gaps in Obamacare

Health plans for diabetics - a listing of the health plan options and other resources

Most Affordable Supplemental Coverage

Value 24 Hour Accident - up to $10,000 of supplemental health insurance coverage for emergency treatment of injuries at a cost of about $2 per day. Can be used as a stand-alone coverage or added to other insurance.

Primary Individual Major Medical Through a Private Exchange

Members Health Insurance Exchange allows you to price and choose from among many of the nations leading major medical health insurance options from a wide range of carriers. Personal help is available through OnlineNavigator to help with your selection.
No low cost options available at this time

Dental and Vision Insurance

Secure DentalOne - one lifetime deductible of $100 and then up to $1,250 per year coverage
Dental, Vision and Hearing Insurance - no deductible option, use any dentist, ophthalmologist, optometrist, physician or audiologist, no networks!

Online Life Insurance

International Term Life - up to $2 million coverage issued by Lloyds online specifically for those who spend time outside of the US

Immigrant Insurance

Inbound Immigrant - up to five years of liberal health insurance coverage after immigration including maternity coverage, emergency and other essential benefits

Montana health insurance news

by Tony Novak, CPA, MBA, MT   last updated: February 21, 2016

The top priorities among individuals and small business who pay for their own health coverage in 2015 is to find more affordable primary insurance and cover rapidly rising out-of-pocket medical costs not paid by primary health insurance.

Prior to implementation of the Affordable Care Act, Montana had very few commercial insurance companies that offered individual major medical insurance, less than 13 small group health insurance plans and the Montana Comprehensive Health Association high risk health plan for residents who have been denied commercial coverage due to a pre-existing condition. These standard health insurance plans are no longer available today following implementation of the Affordable Care Act.

Since the passage of federal health insurance reform law, individuals and small businesses with less than 50 employees can now purchase health insurance through the federal heath insurance clearinghouse or through a number of privately operated insurance exchanges. The state government is likely to expand its own insurance exchange system in cooperation with either the federal or private systems within the next few years.

Non-insurance options, like Health Savings Accounts (HSA), Health Reimbursement Arrangements (HRA) and Flexible Spending Accounts (FSA) can be added as effective cost-control tools; ask your adviser for more information.

This Web page lists some of the most popular low cost commercial health insurance plans and related benefits. Freedom Benefits offers personal assistance with any insurance exchange or health reform issue through www.OnlineNavigator.org . Your enrollment adviser is available to discuss suitability of any plan for your specific situation.

The state insurance exchange is open now for enrollment in coverage that will start January 2016. Individuals without insurance right now should make arrangements for temporary short term medical insurance coverage until then. Covered health benefits under insurance purchased through the exchange in 2016 will be different than those offered though any 2015 health plans. The insurance plan that sets the benchmark for qualified coverage through the exchange is listed here and a list of state-mandated benefits can be found here.

Commercial insurance exchanges may also list less expensive insurance without the essential health benefits.

low cost health insurance

Montana insurance and benefit pricing

Montana had the 13th lowest health insurance costs of all states in 2008 with an average family premium of $11,438 per year. (The average annual premium for a U.S. family covered under an employer-sponsored health plan in 2008 was $12,298 according to The Commonwealth Fund report. The overall quality of health care ranked 18th out of the 51 states (including DC).
The state ranked #4 in physical wellbeing (having good health and enough energy to get things done daily) according to a 2015 Gallup Healthways survey.
Montana subsidizes the cost of small business health insurance through a program called "Insure Montana".

Short Term Insurance

Markel Smart STM - popular and affordable short term major medical insurance with fast online approval
Secure STM - along with its 12 month and 36 month options, this may be the highest quality short term coverage
Secure Lite STM - the lowest priced major medical insurance for 1 to 12 months
Secure Saver STM - $2 million maximum coverage for 1-12 months at an ultra-low rate

Montana insurance law allows a short term policy to extend to a maximum of 6 months. You may reapply for an additional policy with the same company but there must be a one day break in coverage before the next policy is issued.

Supplemental Accident Insurance

Consumers Direct Accident Medical - Protection UpgradeSM supplemental coverage for as little as $20 per month.
Smart Accident Insurance - supplemental coverage for emergency treatment of accidents and injuries for as little as $20 per month. Can be used as a stand-alone accident plan or to increase other insurance benefits.
Value 24 Hour Accident - up to $10,000 of supplemental health insurance coverage for emergency treatment of injuries at a cost of about $2 per day. Can be used as a stand-alone coverage or added to other insurance.


low cost health insurance

Montana insurance law and regulation

The Montana Department of Insurance Web site contains help sections for residents who want to file a complaint about an unresolved insurance issue.  The Web site has not yet developed resources to help individuals find commercial low cost health plans like mini-med or core coverage, specific illness policies, Supplemental Accident Insurance and basic health insurance.
The state insurance department can be reached by telephone at (406) 444-2040 or by mail at 840 Helena Ave. Helena, MT 59601. The state children's health insurance plan (CHIP) Web site is Montana Healthy Kids.

Small business plans

Freedom Benefits offers professional help with setup of self-administered Health Reimbursement Arrangements (HRA), Premium Reimbursement Plans, Flexible Spending Accounts, Health Savings Accounts (HSAs) and insurance at a low price than any small business can afford.

Non-insurance Discount Plans

Careington PPO Discount Plans - the nation's leading network PPO discount provider allows a no-risk trial of any discount plan for only a $20 processing fee
Drug Card America - a free prescription drug card that an be used nationwide
Essential Dental Solutions - simple, inexpensive, no waiting period, up to $500 treatment per year
Rx Pay Card - $10, $20, or $30 payments for hundreds of popular prescriptions.

Telemedicine

CallMD - Doctors and nurses literally on call 24/7 to answer questions, help with medical screening and write prescriptions saving you money with the most common types of medical care. $20 per month covers everyone in the household.

International Coverage and Travel Insurance

Montana Insurance News

12/23/2015 About 54,000 Montana residents enrolled for 2016 health insurance coverage through the federal insurance exchange. About 8 out of 10 applicants received premium subsidies and most of the enrollees paid less than $75 per month for their coverage after the subsidies. The statistics show that the insurance exchange is more effective for lower income individuals but not so effective in meeting the needs of higher-earning working class residents.

12/12/2014 Blue Cross Blue Shield of Montana will pay $1 million to settle a large number consumer complaints.

12/8/2014 - Average premium rates for the cheap “bronze” plans have increased by 3.9% for 2015. Premiums for the middle-of-the-road “silver” plans have increased by an average of by 4.1% over the previous year.

2/11/2014 Professional support for any health care reform issue is available free of charge through an arrangement with OnlineNavigator. All online inquiries are handled personally by Tony Novak, CPA. Online support is available through a number of popular social media channels including Facebook and Google+ as well as e-mail. Telephone support for insurance enrollment is available through Members Insurance Exchange at (800) 609-0683.

7/26/2013 Affordable Smart Term Life Insurance is now available to most Montana residents from age 20 through 60 directly online with no physical exam, agent appointment or telephone verification. Most policies are issued on the same day with coverage amounts of $25,000 up to $350,000. The level premium life insurance is available for terms of 10, 15, 20 and 30 years. Sample rates for $150,000 coverage for a preferred risk male age 30, non-tobacco $30.85 per month; tobacco user $49.55 per month. A preferred risk female age 30 non-tobacco user would be $26.49 per month and a tobacco user would be $40.96 per month. Rates are higher for older applicants and lower health risks as described online. Pricing is based on input you provide about your medical history but, unlike most other life insurers, does not consider family medical history. Coverage is issued by innovative National Life Group, rated "A" by A.M. Best Company for 2013.

3/11/2013 This page was updated to include a link to the insurance plan that will be used to determine specific "essential health benefits" for insurance that qualified for 2014 federal tax purposes. Also, a link to additional covered benefits required by state law. Non-qualified insurance is likely to continue to be available at a lower cost that does not include these benefits nor qualify for federal tax purposes.

2/1/2012 The Center for Consumer Information and Insurance Oversight, a division of the Center for Medicare and Medicaid Services (CMS) reported that as of June 30, 2011 Blue Cross and Blue Shield of Montana is the state's largest health insurance provider and as such, earns the right to set the benchmark for the development of the state's essential benefit plans to debut in 2014 under health reform law.

1/5/2012 Montana residents are increasingly concerned about the lack of affordable health insurance plans. Most of the nation's largest and most popular low cost health insurance plans have withdrawn from Montana due to state regulatory restrictions than those in other states. For now we recommend Smart Short Term Medical until other options become available.

11/7/2011 Montana opened its Children's Health Insurance Program (CHIP) to more than 500 kids of low-income and part-time state employees, an option that was prohibited until the passage of the 2010 health-care law. The program is jointly financed by the state and the federal government to provide coverage to the uninsured children of families who earn too much to qualify for Medicaid but cannot afford private insurance.

7/10/2011  The U.S. Center for Consumer Information and Insurance Oversight announced that Montana lacks proper resources or authority in the individual or small-group health insurance market to effectively review large rate increases as required by federal law. The federal government will temporarily take over the task of reviewing both individual and small business health insurance rate increases that are greater than 10%.

1/19/2011 Child-only health insurance for children with significant medical problems will be available through an open enrollment period mandated by federal state law during the month the calendar month before the birth month of the child . All children, regardless of medical condition, continue to be eligible for insurance when applying as a dependent on a parent’s policy and healthy children are eligible for child-only insurance at any time. When applying for child-only insurance for more than one child, make a separate application for each child.

12/16/2010 Montana Office of the Commissioner of Insurance and Securities officials met representatives of 44 other states and numerous employees of the federal Health and Human Services Department in Washington DC this week for a two-day working meeting to discuss the next steps in establish a government-run health insurance exchange under the American Health Benefit Exchange Model Act. Their attendance at this meeting was paid for by a $1 million federal grant awarded by HHS in September to the state for research how to set up an insurance exchange. Two states (Alaska and Minnesota) declined to participate, saying that it was a waste of taxpayer money. Four other states (not identified in press reports) that received federal grants did not send representatives to the meeting. Attendees included representatives of 16 states that are suing the federal government in an attempt to overturn the federal health reform law; specifically the requirement that forces individuals to buy health insurance on the insurance exchange or pay a hefty tax fine.

In its initial federal grant request for the insurance exchange project, the Office of the Commissioner of Insurance and Securities said that it would: 1) Conduct several public processes with Stakeholders Involvement Council including interagency work group for program integrations, information technology staff and public comment opportunities, 2) Conduct a demographic scan of current population to ascertain information including insurance and socioeconomic status, 3) Assess resources and capabilities such as available staff, contracting, updated software, and 4) Determine necessary legislation to be implemented when appropriate.

The meeting reportedly did not address the role of the commercial health insurance exchanges on the implementation of new competing government systems. The model act does not address inter-state insurance exchange proposals nor insurance sales across state lines. Federal officials admitted that they may not be able to provide further guidance until 2012. Meanwhile, most states are motivated to continue to meet requirements to obtain additional funding promised by the federal government for the establishment of insurance exchange by 2014. Freedom Benefits has previously voiced the opinion that the huge amount of money being spent to set up alternate insurance sales system technologies could be better used providing health benefits to the public. We proposed on the Universal Health Insurance blog that adequate commercial insurance sales systems are already in place that could be modified in a public/private partnership to make health insurance more affordable.

5/14/2010 Diabetes Coverage: A new resource to help find health insurance for diabetics in Montana is now available at Freedom Benefits.

4/8/2010 Montana residents covered by Assurant Health are expected to face premium increases following a settlement this week between Time Insurance Company and the  Montana Commissioner of Securities and Insurance for offering low priced coverage below the minimum requirements of Montana Law. Insurance Commissioner Monica Lindeen objected to the lower priced basic health insurance policy from Time Insurance because it did not providing coverage to women for prenatal care and pregnancy, mammography, reconstructive breast surgery, diabetes management and care, and severe mental illness. Assurant will pay a settlement of more than $300,000 and replace its lower cost policy with a more expensive policy that includes the cost of the settlement plus anticipated future claims due to the additional state mandates. No estimate of the required premium increase but we expect that 2011 premium rates will rise about 5% due to this settlement with the state plus an additional amount for medical inflation and other actuarial factors. Our experience indicates that the majority of Montana's health insurance buyers prefer a lower cost policy without the additional mandates that are available in most other states. Montana residents, even more than residents of other states, tend to object to government regulators dictating the insurance provisions they must be included in the policies that they elect to purchase. Even though more freedom in choosing insurance benefits is available in most other states, at this time residents of Montana face significant obstacles purchasing more affordable coverage that is offered in another state. The recently passed federal health insurance reform legislation will remove this obstacle by effectively removing this power from the state.  Montana consumers will not benefit from the federal law change until 2014. Until then all Montana residents and insurance companies offering coverage in Montana must pay the cost of the state's mandates regardless of the need or desire to obtain maternity, diabetes and mental health care benefits.



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This web site is independently owned and managed by Tony Novak operating under the trademarks "Freedom Benefits", "OnlineAdviser" and "OnlineNavigator". Opinions expressed are the sole responsibility of the author and do not represent the opinion of any other person, company or entity mentioned. Tony Novak is not an agent, broker, producer or navigator for any federal or state health insurance exchange but may provide uncompensated advice, reviews and referrals to these official resources. Novak is compensated as an accountant, adviser, affiliate consultant, marketer, reviewer, endorser, producer, lead generator or referrer to some of the other commercial companies listed on this site. Information is from sources believed to be reliable but cannot be guaranteed.