Health Insurance In Montana [dot] Net http://www.healthinsuranceinmontana.net Montana Health Insurance | Health Insurance in Montana Tue, 24 Jan 2012 18:41:49 +0000 en hourly 1 http://wordpress.org/?v=3.3.1 Blue Cross Too Late To Provide State of Montana Benefits In 2013 http://www.healthinsuranceinmontana.net/blue-cross-too-late-to-provide-state-of-montana-benefits-in-2013/ http://www.healthinsuranceinmontana.net/blue-cross-too-late-to-provide-state-of-montana-benefits-in-2013/#comments Thu, 08 Dec 2011 23:45:48 +0000 montanahealthinsurance http://www.healthinsuranceinmontana.net/?p=240 Blue Cross Blue Sheild in Montana missed the deadline for submitting a proposal for the state of Montana Health Benefits.

Blue Cross Blue Sheild has been State of Montana’s health benefits provider for the past 28 years so they are extremely disappointed that they missed the deadline.

They plan to do an investigation of who [...]]]> Blue Cross Blue Sheild in Montana missed the deadline for submitting a proposal for the state of Montana Health Benefits.

Blue Cross Blue Sheild has been State of Montana’s health benefits provider for the past 28 years so they are extremely disappointed that they missed the deadline.

They plan to do an investigation of who made the mistake of not getting the deal submitted in time for the state.

So who could be running the state of Montana’s health benefits worth about 4 Million and 32,000 employees? There are 3 potentials:

  • Employee Benefit Management Services (EBMS) of Billings
  • UnitedHealth of Minnetonka, Minn.
  • Cigna of Hartford, Conn.

It will be interesting to see who if not all three that could grab up this business and what the pricing will actually turn out to be. Will coverage and premiums be better or worse? We will find out coming 2013.

]]> http://www.healthinsuranceinmontana.net/blue-cross-too-late-to-provide-state-of-montana-benefits-in-2013/feed/ 0 PacificSource Health Insurance in Montana http://www.healthinsuranceinmontana.net/pacificsource-health-insurance-in-montana/ http://www.healthinsuranceinmontana.net/pacificsource-health-insurance-in-montana/#comments Mon, 14 Nov 2011 04:18:12 +0000 montanahealthinsurance http://www.healthinsuranceinmontana.net/?p=231 Health Insurance In Montana is going to look at least a little different because people now have another option. PacificSource is going to be the new health insurance carrier in Montana beginning this December and into the new 2012 year.

You can read a little bit about them here:

The new kid on the block [...]]]> Health Insurance In Montana is going to look at least a little different because people now have another option. PacificSource is going to be the new health insurance carrier in Montana beginning this December and into the new 2012 year.

You can read a little bit about them here:

The new kid on the block is PacificSource, a nonprofit Oregon health insurer expected to top $1 billion in revenue next year. That’s bigger than Blue Cross, which is the dominant health insurer in this state.

Blue Cross, however, still controls more than half the health insurance market in Montana, handling coverage for some 240,000 people. PacificSource, once it takes over some business from Montana-based New West Health Services, could have perhaps 15,000 customers in Montana, and a total book of business of more than 300,000 people in four states.

PacificSource President and CEO Ken Provencher says he hopes his company will be “a great alternative choice that will really provide some value to the market.”

Industry insiders have told me PacificSource is a respected company and a good competitor that could shake up the health insurance market in Montana.

But they also say its success may depend on what type of relationships it can forge with Montana hospitals, other health care providers and insurance agents. Without that, it may prove difficult to offer good, affordable insurance that people will want to buy.

Montana Attorney Steve Bullock, whose office helped negotiate the deal that set up PacificSource as a stronger presence in the state, notes that the agreement requires hospitals and others that had provider arrangements with New West to offer a similar deal to PacificSource for at least three years.

Also, he says the deal has provisions that allow his office to monitor the market and perhaps step in if it sees practices designed to undermine competition.

“We want PacificSource to be a viable option for consumers,” Bullock says. “Hopefully, it will have all the tools and resources to succeed in Montana.”

This is good for Montana simply because when you have competition it helps driver down the premium amounts to stay competitive. Unfortunately like many say – I’m not sure if it will truly make a difference on the premiums or not but one thing is for sure and that is more competition always leads towards better things for consumers so I’m hopeful.
You can actually get a quote with them by visiting Health Insurance In Montana home page.
]]> http://www.healthinsuranceinmontana.net/pacificsource-health-insurance-in-montana/feed/ 0 Clear One Health Insurance In Montana http://www.healthinsuranceinmontana.net/clear-one-health-insurance-in-montana/ http://www.healthinsuranceinmontana.net/clear-one-health-insurance-in-montana/#comments Wed, 06 Apr 2011 20:40:03 +0000 montanahealthinsurance http://www.healthinsuranceinmontana.net/?p=212 Health Insurance In Montana offers a company called Clear One Health Plans. You may have known them as Clear Choice health insurance before hand.

They have an office in Kalispell, MT and they are another option in the bag of health insurance options out there in the big sky country.

When you apply with Clear [...]]]> Health Insurance In Montana offers a company called Clear One Health Plans. You may have known them as Clear Choice health insurance before hand.

They have an office in Kalispell, MT and they are another option in the bag of health insurance options out there in the big sky country.

When you apply with Clear One health plans, be as detailed as possible. They will either reject or accept you as they do not rider or increase your premium as of the date of this post.

I’m a personal believer that the more companies that you can begin to get to compete for health insurance – it will help drive the price down. Clear One throws another option in the mix.

Please visit my homepage if you are interested in getting a quote with Clear One health insurance.

]]> http://www.healthinsuranceinmontana.net/clear-one-health-insurance-in-montana/feed/ 0 Obama Coming to Montana to talk Health Care Reform http://www.healthinsuranceinmontana.net/obama-coming-to-montana-to-talk-health-care-reform/ http://www.healthinsuranceinmontana.net/obama-coming-to-montana-to-talk-health-care-reform/#comments Wed, 12 Aug 2009 23:58:40 +0000 montanahealthinsurance http://www.healthinsuranceinmontana.net/?p=176 The president of the United States himself will be showing up in Montana on Friday August 14th in Belgrade to talk about health care reform. I will be unable to attend his town hall style meeting, but I would like to know what will happen to agents that sell health insurance in Montana if his [...]]]> The president of the United States himself will be showing up in Montana on Friday August 14th in Belgrade to talk about health care reform. I will be unable to attend his town hall style meeting, but I would like to know what will happen to agents that sell health insurance in Montana if his health care reform will pass.

Here are some things that would happen in Montana if Obama’s health care reform passes:

–62 percent of Montana residents with employer-based coverage would lose their current insurance. Of the estimated 489,200 Montana residents with private health insurance,

there would be a decline of 256,700 people with private coverage.

–52 percent of privately insured Montana residents would transition out of private insurance Of the estimated 426,900 Montana residents with employer-based coverage,

265,400 people would be shifted out of their current employer-based plan.

The study is released ahead of a major forum on Healthcare/Health Insurance Reform hosted by the Montana Policy Institute in Bozeman on August 14. In attendance at the forum will be lawmakers and?policy analysts. The event is open to members of the public via pre-registration at www.montanapolicy.org. A full panel of speakers has been confirmed with a keynote address by Harvard Professor and author Regina Herzlinger.

The study further showed that 80 percent of Montana residents in a health insurance exchange would end up in thepublic plan. Of the estimated 414,100 Montana residents who would obtain coverage through an exchange, 330,500 would be covered by the public plan.

In addition, 32 percent of the uninsured in Montana would still lack coverage. Of the estimated 180,800 Montana residents without health insurance, the legislation would only reduce the uninsured by 123,200, leaving 57,600 Montana residents without coverage, according to the study.

The study also assessed the impact on the health care practitioners.

Physicians in Montana could see their net annual income decline by $36.6 million, an average loss in income of $13,877 per physician. Of this net loss in income, $129.7 million is attributable to the public plan using Medicare-based payments. Today, Medicare physician payments in Montana are 76 percent of private payments, according to the report.

Hospitals in Montana could have their net annual income fall by about $268.5 million, with hospital total margins dropping to -4 percent. This loss in hospital income, greater than total hospital margins, is overwhelmingly attributable to the public plan using Medicare-based payments. Today, Medicare hospital payments in Montana are 64 percent of private payments – from this source

Has president Obama thought about the above stats?

What about the thousands of insurance agents no longer able to an income due to everyone dumping their private and going to the public plan? What about the millions of dollars in losses for hospitals not only in Montana, but across the United States?

I encourage you to show and speak your mind! We need the health care Bill read out loud line by line. Don’t let our government ram another bill through without the people knowing what is really in it!

What is your take?

]]> http://www.healthinsuranceinmontana.net/obama-coming-to-montana-to-talk-health-care-reform/feed/ 0 Still looking for Montana Health Insurance? http://www.healthinsuranceinmontana.net/still-looking-for-montana-health-insurance/ http://www.healthinsuranceinmontana.net/still-looking-for-montana-health-insurance/#comments Tue, 04 Aug 2009 16:56:16 +0000 montanahealthinsurance http://www.healthinsuranceinmontana.net/?p=174 Montana health insurance companies can help give you the options that you are looking for found on this site.

Please take the time to get a Montana Health Insurance Quote and see who the companies are and what kind of coverage that they offer. Many times finding the right plan always comes down to [...]]]> Montana health insurance companies can help give you the options that you are looking for found on this site.

Please take the time to get a Montana Health Insurance Quote and see who the companies are and what kind of coverage that they offer. Many times finding the right plan always comes down to seeing what your needs are and comparing that to what the companies have to offer.

For example if you are in your younger years and you are healthy what you need to do is pick Montana health insurance plans that allow for you to save money such as an HSA. If you can start now you can build up a big savings for future health insurance costs. The goal is to cover your deductible and then you will be fine if something major happens to you. Plus your HSA account will roll over from year to year and keep accumulating with an interest rate of 3 – 5% on the money that you are sticking in there.

Or maybe you are approaching the mid 40′s and may need some future prescription medications. What you need is a plan in place that would help cover those prescriptions before you start taking any.

There is also many options such as doctor visit co-pay that you may or may not want to consider based on how much it raises your monthly premium.

With all of these questions in mind you can narrow things down and pick the right Montana health insurance plan for you and or your family.

]]> http://www.healthinsuranceinmontana.net/still-looking-for-montana-health-insurance/feed/ 0 A Good Time To Check Montana Health Insurance Options http://www.healthinsuranceinmontana.net/a-good-time-to-check-montana-health-insurance-options/ http://www.healthinsuranceinmontana.net/a-good-time-to-check-montana-health-insurance-options/#comments Wed, 29 Jul 2009 15:35:29 +0000 montanahealthinsurance http://www.healthinsuranceinmontana.net/?p=172 I really think that now more then ever is the time to check Montana Health Insurance options because of all of the talk about healthcare.

Despite the way you feel or believe it’s a good time to do a study on what health insurance options are best for you. Maybe it’s time to take a [...]]]> I really think that now more then ever is the time to check Montana Health Insurance options because of all of the talk about healthcare.

Despite the way you feel or believe it’s a good time to do a study on what health insurance options are best for you. Maybe it’s time to take a real look at your health insurance policy and see what it does and what it doesn’t cover.

Maybe it’s time to go and search for options that may end up being better and cheaper then what you currently have going for you.

If you can now is the time to search out the best Montana Health Insurance policy for you and or your family. You can always get a quote which will help you discover options and companies that you may never have seen before or it may prompt you to take a closer look into a company that you wanted more information about but you just haven’t yet went to digg for more information.

To get stared, I recommend that you get your Montana Health Insurance Quotes from this website and begin the journey of discovering and plan that will make the most sense you for and your family.

]]> http://www.healthinsuranceinmontana.net/a-good-time-to-check-montana-health-insurance-options/feed/ 1 Health Care Reform and Baucus in Montana http://www.healthinsuranceinmontana.net/health-care-reform-and-baucus-in-montana/ http://www.healthinsuranceinmontana.net/health-care-reform-and-baucus-in-montana/#comments Thu, 23 Jul 2009 18:53:08 +0000 montanahealthinsurance http://www.healthinsuranceinmontana.net/?p=167 As the health care debate rages on you may have noticed this article from the Missoulian about the Montana Health Insurance senator:

By MIKE DENNISON Missoulian State Bureau

HELENA – As health care reform heats up politically in Washington, D.C., the temperature is being turned up in Montana as well, with TV ads and [...]]]> As the health care debate rages on you may have noticed this article from the Missoulian about the Montana Health Insurance senator:

By MIKE DENNISON Missoulian State Bureau

HELENA – As health care reform heats up politically in Washington, D.C., the temperature is being turned up in Montana as well, with TV ads and rallies targeting Sen. Max Baucus, who’s helping craft key health legislation.

Two liberal groups are sponsoring an ad urging Baucus to support a government health insurance plan as part of reforms – a proposal bitterly opposed by industry.

Meanwhile, advocates for national, taxpayer-supported health insurance for all are planning rallies Friday outside the Montana offices of Baucus and health insurer Blue Cross/Blue Shield of Montana.

And from the other end of the political spectrum, a Kalispell physician is in Washington, D.C., on Wednesday to take part in a news conference by a group opposing current reforms as “government-controlled health care.”

Anne Bucacek plans to join members of the Coalition to Protect Patients’ Rights for a conference at the National Press Club.

Baucus, D-Mont., chairs the Senate Finance Committee, which is working on one of three major health reform bills before Congress. The committee’s bill, yet to be released, is thought to be a bellwether of what could pass the full Senate, which is a key bottleneck in the legislative process.

On Tuesday, the Progressive Change Campaign Committee and Democracy for America began running a TV ad in Montana, urging Baucus to include the government health insurance plan in the bill.

The plan, also known as the “public option,” would be a government-sponsored insurance plan that competes with private health insurance.

The ad notes that Baucus has received nearly $4 million in campaign funds from health and insurance industry interests in the past six years, and that a recent poll showed that 76 percent of Americans support having the public option.

It shows two doors, one “for” and one “against” a public option and asks Baucus which one he’ll choose.

The ad began running Tuesday in Billings, Helena and Butte TV markets, and Progressive Change Campaign Committee is asking members to contribute money to keep it running for another week, said co-founder Adam Green in New York.

Baucus, through a spokesman, declined Tuesday to say whether he supports having the public option in the bill coming out of the Finance Committee.

“Max is committed to crafting a health care bill that will lower costs, improve quality and can pass the U.S. Senate,” said Ty Matsdorf. “At this point, he is looking at a variety of options to accomplish these goals.”

Green said his group’s members voted on which senator to target on the public-option issue, and that Baucus was the top target.

The group, founded earlier this year, works to elect more “progressives” to Congress and to push Democrats to act more boldly on progressive issues, Green said. Its partner on the ad, Democracy for America, is the group founded by former Vermont Gov. and ex-Democratic National Committee Chairman Howard Dean.

This Friday, Montanans for Single-Payer, which supports national, public health insurance for all citizens, has scheduled rallies in Helena, Bozeman, Missoula, Billings and other cities.

Organizers say they’ll be rallying in support of a House bill provision that would allow states to set up their own single-payer health systems. The rallies are targeting Baucus, who has said single-payer won’t be considered as a reform option, and Blue Cross, the state’s largest private health insurer.

“If we can keep this amendment alive through the process (a big challenge), Montana could set up its own single-payer system,” the group said this week.

Bucacek, the

Kalispell physician, will be joining members of the Coalition to Protect Patients’ Rights to discuss how proposed reforms will “lead to long waiting lines, substandard care, and to the slowing of medical discovery.”

So where are you at in this big health insurance debate? It could be that some time in the near future that Montana Health Insurance Quotes could change!

My personal opinion is that change does need to happen but not in the form of single payer but rather in the form of controlling outragous health insurance premiums.

]]> http://www.healthinsuranceinmontana.net/health-care-reform-and-baucus-in-montana/feed/ 0 Montana Health Insurance Options http://www.healthinsuranceinmontana.net/montana-health-insurance-options/ http://www.healthinsuranceinmontana.net/montana-health-insurance-options/#comments Wed, 22 Jul 2009 22:12:24 +0000 montanahealthinsurance http://www.healthinsuranceinmontana.net/?p=165 It’s nice to have some options for Montana Health Insurance. These options can help you make an informed decision on which health insurance plans would be right for you.

Some things that you want to keep in mind when looking for Montana Health Insurance Quotes are as follows:

Your age – if you [...]]]> It’s nice to have some options for Montana Health Insurance. These options can help you make an informed decision on which health insurance plans would be right for you.

Some things that you want to keep in mind when looking for Montana Health Insurance Quotes are as follows:

  • Your age – if you are older you will probably need to consider premium prices. After age 50 it seems that premiums are beginning to go up at a high rate and stay there until age 65. What you may want to consider is some type of high deductible if you are looking to save money on your premium. If you are younger you may want to consider a health savings plan that will allow you to save for future healthcare.
  • How long are you in Montana – If your only planning on staying in Montana for 12 months or less you may want to look into a short term health insurance plan. Short terms are great coverage but most don’t cover pre-existing and short term plans do also expire. If you are planning on staying longer than 12 months in Montana then you will probably want to apply for some type of permanent health insurance plan.
  • Your health – if you are prone to going to the doctor you may want to add a doctor visit co-pay to your plan. If you are health and you never see the doctor then you probably would be better off getting a high deductible HSA plan that will help you save for future medical expenses.

These are just a few things to consider again while looking at your options to get Montana health insurance. Please click on the link to see your options on our homepage.

]]> http://www.healthinsuranceinmontana.net/montana-health-insurance-options/feed/ 0 Health Insurance in Great Falls, MT http://www.healthinsuranceinmontana.net/health-insurance-in-great-falls-mt/ http://www.healthinsuranceinmontana.net/health-insurance-in-great-falls-mt/#comments Sun, 21 Jun 2009 15:18:19 +0000 montanahealthinsurance http://www.healthinsuranceinmontana.net/?p=150 Looking for health insurance in Great Falls, MT?

Montana Health Insurance in Great Falls I can help you with. The goal of the website that you are visiting right now is to provide quotes from various companies in Montana so that you can pick the company that best suits you or your families needs.

Get [...]]]> Looking for health insurance in Great Falls, MT?

Montana Health Insurance in Great Falls I can help you with. The goal of the website that you are visiting right now is to provide quotes from various companies in Montana so that you can pick the company that best suits you or your families needs.

Get the best options for health insurance in Great Falls, MT when you click on the “Home Page” to get a quote.

A licensed agent is here to help you with your options and simply wants for you to pick the right health insurance plan that varies from family to family.

Some people are learning how to use a high deductible and health savings account at  a younger age to save for future medical expenses. These plans are great and the money that you place into your health savings account rolls over from year to year so as long as you keep saving your money in your health savings account keeps growing and growing until you need to use it for a medical expense.

If you would like to know your Montana health insurance options then again please visit the Home Page where you can fill out your info and get an instant quote.

Having private health insurance in Montana is a great thing since Montana is a very recreational place to live. Live stress free knowing that you have health insurance to cover you in case a major health problem occurs. Having health insurance can give you a peace of mind knowing that a medical expense won’t leave you bankrupt after you leave the hospital or treatment facility.

Eventually the site will provide the top companies in Montana and you will also be able to apply online with all of them, however, at this time there is only 1 company that you can apply online with from this site.

Thanks for visiting and checking into health insurance in Great Falls, MT.

]]> http://www.healthinsuranceinmontana.net/health-insurance-in-great-falls-mt/feed/ 0 Health Insurance in Billings, MT http://www.healthinsuranceinmontana.net/health-insurance-in-billings-mt/ http://www.healthinsuranceinmontana.net/health-insurance-in-billings-mt/#comments Mon, 08 Jun 2009 18:38:37 +0000 montanahealthinsurance http://www.healthinsuranceinmontana.net/?p=148 Are you looking for Health Insurance in Billings, MT?

HealthInsuranceInMontana.net can give you instant quotes for health insurance in Billings, MT.

There is no need to speak with a person, however, you may call Steve Blanchard at any time @ 406-278-9955 to discuss health insurance plans and products.

This website that you are visiting [...]]]> Are you looking for Health Insurance in Billings, MT?

HealthInsuranceInMontana.net can give you instant quotes for health insurance in Billings, MT.

There is no need to speak with a person, however, you may call Steve Blanchard at any time @ 406-278-9955 to discuss health insurance plans and products.

This website that you are visiting can pull up multiple quotes on health insurance so that you can find the plan that bests fit your individual or family needs. Just click on the home page to get your quote today.

The quoting software will ask some information and once it’s processed you will see live quotes for Billings, Montana right away. If you wish some companies are equipped for you to apply for the health insurance plan right away if you like.

Being in Montana is a great place to be and so having a great health insurance plan will help keep you safe as you play around in the big sky country.

Thanks so much for checking into health insurance in Billings, Montana. Please keep HealthInsuranceInMontana.net in mind when looking for a health plan for you and/or your family.

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