Question 1

Why is Montana Health CO-OP more affordable?

Accepted Answer

We can have lower prices because we are a true nonprofit. By federal law, we have to return our profits to our members in the form of lower prices, better expanded benefits or programs to improve health. And we keep our administrative costs low.

Question 2

What plans do Montana Health CO-OP offer?

Accepted Answer

Montana Health CO-OP offers a choice of the Catastrophic, Bronze, Silver, and Gold coverage levels.  We negotiate discounts with the doctors, hospitals and other providers so you will save money with all our plans. If you want to know if your doctor is in our networks, view our lists of participating providers.(undefined) To learn more about our products, explore our planso(javascript:void(0))r talk to your insurance agent.

Question 3

How much do the plans cost?

Accepted Answer

The premiums are lowest for the Bronze plans, and highest for our Gold plans, but you may get help with your monthly premium from the federal government. Depending on your income and family size, you may also qualify for a reduction in your deductible and other out-of-pocket expenses. Check out our tax credit estimator (https://idahohix.yourhealthidaho.org/hix/preeligibility#/)that can show you whether you qualify, and how much your monthly premium would be.

Question 4

Am I covered when I'm traveling outside of Montana?

Accepted Answer

Yes. When traveling outside of Montana, you’re covered for emergency services throughout the United States.

Question 5

Why should I choose Montana Health CO-OP?

Accepted Answer

Choose us because we offer quality healthcare coverage at affordable prices – from a company that returns the profits to you, the member. Montana Health CO-OP is a homegrown, nonprofit company, and we are here to stay.

Question 6

What is the health insurance marketplace/exchange?

Accepted Answer

Healthcare.gov (http://www.healthcare.gov)is the online health insurance marketplace—also called the exchange—where you can make apples-to-apples comparisons of competing health insurance plans. The Affordable Care Act created these exchanges to help residents of each state find a health insurance plan that fits their needs and budget.
 
You can fill out an application on the health insurance exchange (https://www.healthcare.gov/)and find out if you’re eligible for a low-cost health insurance premium (the amount you pay for insurance each month). You can also find out what your premium, deductibles and out-of-pocket costs will be before you sign up.

Question 7

What is a tax credit and how can it help me save money?

Accepted Answer

A tax credit is financial assistance from the government to help with insurance costs. Since 2014, the government has been providing tax credits to millions of individuals and families. The only way to get and use a tax credit is through the health insurance marketplace/exchange at Healthcare.gov.(http://www.healthcare.gov)

Question 8

How do I know if I qualify for a tax credit?

Accepted Answer

You can find out if you qualify for a tax credit with our Tax Credit Calculator (https://www.healthcare.gov/)here, call us at 1-855-447-2900 or talk to your insurance agent. We’re here to help.

Question 9

What is the University of Utah Health Plans?

Accepted Answer

We selected the University of Utah Health Plans (UUHP), a proven and reliable claims administrator, as our third party administrator (TPA) to process our claims, handle your monthly premium, and issue your contract and ID cards.

Question 10

Do you have online claims information?

Accepted Answer

Through the University of Utah Health Plans (UUHP), Montana Health CO-OP offers many online services for our members through our secure member web portal.(https://mychart.med.utah.edu/mychart/) This portal puts you in control of your personal health benefits information 24/7, so you never need to call to find out answers to claims questions. An easy-to-use dashboard gives you fast and easy access to:
 
Recent claims
Summary of current drugs
A search tool to find a doctor or pharmacy
Links to useful tools for health risk assessments
Drug and health information
If our online services don’t provide the information you need, we also have live customer service representatives who are available 8 a.m. – 5 p.m., Monday through Friday, at          844-262-1560.

Question 11

Are the Silver Cost Share Reduction plans available off of the Health Insurance Marketplace?

Accepted Answer

No, the special Silver Cost Share variance plans are only available for those that purchase insurance through the Individual Marketplace or Exchange.(https://www.healthcare.gov/) This is also true of the Native American Cost Sharing options.

Covering Idaho, Montana, and Wyoming

Frequently Asked Questions

Contact Us with Questions About Coverage