National Health Care Articles
Obamacare Puts Most Health Insurance Agents Out Of Business
Montana Health Insurance
Individuals, families, self employed and small business owners are having an increasingly difficult time finding health insurance.
Those with pre-existing medical conditions have even more difficulty. There are a multitude of companies offering health insurance in most states and people without serious pre-existing health conditions should be able to find a health insurance plan to suit their needs and budget.
Click Here to get Montana Group health insurance quotes.
Montana Group Health Insurance
Montana Group Health Insurance is for businesses with 2 or more employees, which can include the owner of the business.
Group health insurance is regulated by both the state and federal government. The HIPAA act of 1997 determines eligibility in some cases and provides rules for individuals leaving a group plan. The group plans usually have more benefits than an individual plan because of federal requirements established by ERISA and HIPAA laws.
As long as an employer meets the criteria required by the
Montana Health Insurance Company, they cannot be turned down for insurance nor can any of the employees be turned down.
Insurance companies can impose a pre-existing medical condition waiting period if the employee was without insurance for more than 63 days prior to enrolling or if the employee did not have insurance for an 18 month period prior to enrolling.
Individual Health Insurance
Montana
When an insurance carrier advertises that they have group like benefits, you should be very wary of the person presenting the plan.
Every plan may have some group like benefits such as doctor co-pays, however, individual plans seldom offer the benefits of a group plan. There are some important questions you should ask when purchasing
Montana Health Insurance for yourself, family or as a self employed individual.
You can see a list of these questions by clicking here.Companies can decline to insure you for individual health insurance in
Montana if you have pre-existing medical conditions and are
not HIPAA eligible. There are state sponsored plans available to cover those who are declined. To help you find the best health insurance company check out the complaint ratio. Click here for the instruction sheet on
"How to find an insurance company complaint ratio".
Click Here for Montana home insurance quotes.
Homeowners Insurance Montana
If you own a home or rent an apartment you should have
Montana Home Owners Insurance. No one believes they will be struck by a tragedy but they still occur. You can go to our Homeowners Insurance page for
Montana and fill out the form for a quote from an agent near you.
Most home owners are not aware that Home Owners Insurance in
Montana does not cover floods. Most believe it will never happen to them, however if there is any possibility you may incur flood damage you should purchase flood insurance. You can find the information for flood insurance at
www.fema.gov/index.shtm
Click Here for Montana auto insurance quotes.
Auto Insurance Montana
Your Montana auto insurance rates are determined by your age, vehicle make, model, safety features, insurance rating for the vehicle in accidents, your driving record and the mileage you drive. There are other factors that may be considered but the above are the most often used.
Truck Insurance in Montana is determined in much the same way unless the truck (or car) is used for a business, shipping or hauling. Risk is assessed differently for these situations.
Click Here for Montana life insurance quotes.
Life Insurance Montana
Montana Life Insurance is available as Term Life Insurance, Universal Life Insurance or Whole Life Insurance. You can receive quotes for all three by going to our Life Insurance
Montana page and filling out the form.
Click Here for Montana long term care insurance quotes.
Long Term Care Insurance Montana
Long Term Insurance is no longer just for Nursing Home Care. Because so many elderly want to remain at home, many of today's Long Term Care Insurance Plans cover a large portion of stay at home care.
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