Question 1

What are my choices?

Accepted Answer

Companies with fewer than 50 employees have two penalty-free options:
 
1. Continue to sponsor your current group plan, and budget for large cost increases.
 
2. Cancel your group plan and direct your employees to the Health Insurance Marketplace. The Marketplace compares competing plans on a level playing field, allowing individuals to make well-informed decisions about which plan is best for them. The Marketplace will also help your employees determine their eligibility for federal tax credits to reduce the cost of monthly premiums.

Question 2

How will Montana Health CO-OP save me time and money?

Accepted Answer

We offer wonderful options for your group plan, with excellent service. Talk to your insurance agent about how our competitive rates can save you money or call us at 855-447-2900.

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 that can show you whether you qualify, and how much your monthly premium would be.

Question 4

What is University of Utah Health Plans?

Accepted Answer

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

Question 5

Do you have online claims information?

Accepted Answer

Through University of Utah Health Plans (UUHP), Montana Health CO-OP offers many online services for our members through secure member web portal. 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
Hospital and physician quality scores
Drug and health information
Personalized wellness coaching
A library of children’s 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. – 6 p.m., Monday through Friday, at       844-262-1560.

Question 6

What is the Health Insurance Marketplace or exchange?

Accepted Answer

The online Health Insurance Marketplace offers a single website for visitors to compare competing health insurance plans on a level playing field. Since October 2013, your employees have been able to fill out an application and find out if they’re eligible for a low-cost health insurance premium. They can also find out what their premium, deductibles and out-of-pocket costs will be before they sign up.

Question 7

How will the Health Insurance Marketplace affect my employees?

Accepted Answer

If you do not offer health insurance to your employees, they will have access to quality plans in the Health Insurance Marketplace. Depending on their income, employees may be eligible for federal tax credits, making monthly premiums more affordable.

Question 8

What is a tax credit?

Accepted Answer

A tax credit is financial assistance from the federal government to help with insurance costs. The government provides tax credit to millions of individuals and families. The only way your employees can get a tax credit is by purchasing their insurance through the Health Insurance Marketplace.

Question 9

How soon can my employees receive coverage?

Accepted Answer

If you are purchasing group coverage, we can begin the first of any month. For individual coverage, enrollment begins November 1, 2019 and coverage starts January 1, 2020. Open Enrollment ends on December 15, 2019.

Question 10

Who can I contact for more information?

Accepted Answer

Contact your insurance agent, or call us at 855-447-2900 or email us here. We’re here to answer your questions!

Covering Idaho, Montana, and Wyoming

Frequently Asked Questions

General Questions

What is a health insurance CO-OP? How does it differ from a traditional insurance company?

How did CO-OPs begin?

What is the Montana Health CO-OP?

How do CO-OPs address the rising cost of healthcare?

How will Montana Health CO-OP help the state’s uninsured population?

Individuals & Families

Why is Montana Health CO-OP more affordable?

What plans do Montana Health CO-OP offer?

How much do the plans cost?

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

Why should I choose Montana Health CO-OP?

What is the health insurance marketplace/exchange?

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

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

What is the University of Utah Health Plans?

Do you have online claims information?

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

Small Business Owners

What are my choices?

How will Montana Health CO-OP save me time and money?

How much do the plans cost?

What is University of Utah Health Plans?

Do you have online claims information?

What is the Health Insurance Marketplace or exchange?

How will the Health Insurance Marketplace affect my employees?

What is a tax credit?

How soon can my employees receive coverage?

Who can I contact for more information?

Providers

Why should I join the Montana Health CO-OP network?

What are your MHC networks?

How do I submit a claim?

When does coverage begin?

How can I learn more?

Contact Us with Questions About Coverage