What If I Don’t Have Insurance?

Access to health care services is possible for people without health insurance. Montana’s health care providers and hospitals offer health care at discounted prices. Community Health Centers, Federally Qualified Health Centers and some county health departments provide health care based upon a sliding fee schedule. The amount charged to the patient depends on their family income.

Other programs that might provide assistance with health costs include Montana Medicaid, the Healthy Montana Kids Program (formerly known as Children’s Health Insurance Plan or CHIP) and Mental Health Access Plan.

Montana’s community hospitals provide emergency health services to all regardless of ability to pay.

Private health professionals offer care to their established patients and often consider the patient’s financial limitations to pay for care. Be honest about your financial situation when approaching a physician, dentist or other health care provider for services you might not be able to pay for. It is important that you work out a financial arrangement with a health care provider before they provide care to you.

To help keep your costs down be sure not to put off getting needed health care when symptoms arise. Preventive care and early intervention are the least costly approaches to affordable health care. Putting off necessary treatment early usually means more intensive services later. Those more intensive services come with higher costs.