Key information to consider when choosing a health plan:
Does your employer offer a health insurance policy?
Is there a preferred list of providers? How do you obtain a list of those providers?
What services are covered and which ones are considered “non-covered”?
Will you have to pay out-of-pocket costs for physician visits, lab tests, surgeries or hospital stays? Is there an annual maximum out-of-pocket costs?
Is a referral required for you to see a specialist?
Is the plan licensed by the State of Montana?
Is the plan financially viable?
Is the health plan accredited?