Health Insurance In Montana [dot] Net

Dental Insurance in Great Falls MT

Steve Blanchard — Sat, 21 Apr 2012 22:42:28 +0000

Are you looking for dental insurance in Great Falls MT?

You can get dental insurance for as low as $15 a month in some cases. In order to get a quote and see the options and what it covers – please fill out the form on this site for a health quote and the option will be given to you to select supplemental insurance or contact Health Insurance In Montana.

The following are what the dental insurance will cover:

Preventive Services
Includes: cleanings, exams, x-rays, flouride and sealants. Two visits per person each policy year, separated by at least 150 days.

BENEFITS	Level 1 Basic	Level 2 Intermediate	Level 3 Plus
Dental Wellness	You receive a fixed preventive amount per visit.
Exams X-Rays Tests and Examinations Cleanings Flouride Sealants Space Maintainers	$75	$100	$100

BASIC and MAJOR Maximums

This table shows the combined maximum annual benefit for BASIC and MAJOR services for each insured person.

BENEFITS	Level 1 Basic	Level 2 Intermediate	Level 3 Plus
Your calendar year maximum, excluding your preventive services	$500	$1,000	$1,500

BASIC DENTAL SERVICES BENEFITS

Benefits shown below will be paid at 50% for any covered procedure during the first year of the policy. In the second year of coverage, you will receive 100% of the benefit.

BASIC DENTAL SERVICES BENEFITS	Level 1 Basic	Level 2 Intermediate	Level 3 Plus
Palliative (emergency) treatment of dental pain – minor procedure	$35	$70	$70
Deep sedation/general anesthesia – first 30 minutes	$140	$275	$275
Deep sedation/general anesthesia – each additional 15 minutes	$50	$100	$100
Amalgam – one surface – primary or permanent	$45	$90	$90
Amalgam – two surfaces – primary or permanent	$55	$110	$110
Amalgam – three surfaces – primary or permanent	$70	$140	$140
Amalgam – four or more surfaces – primary or permanent	$80	$160	$160
Resin-based composite – one surface, anterior	$55	$110	$110
Resin-based composite – two surface, anterior	$70	$140	$140
Resin-based composite – three surfaces, anterior	$80	$160	$160
Resin-based composite – four or more surfaces or involving incisal angle (anterior)	$95	$190	$190
Resin-based composite crown (anterior-primary)	$95	$190	$190
Resin-based composite – one surface, posterior – permanent or primary	$60	$120	$120
Resin-based composite – two surfaces, posterior – permanent or primary	$75	$150	$150
Resin-based composite – three surfaces, posterior – permanent or primary	$95	$190	$190
Resin-based composite – four or more surfaces, posterior	$115	$225	$225
Gold foil – one surface	$50	$100	$100
Gold foil – two surfaces	$200	$375	$375
Coronal recement – deciduous tooth	$40	$80	$80
Extraction, erupted tooth or exposed root	$50	$100	$100
Adjust denture	$25	$55	$55
Repair broken complete denture base	$60	$120	$120
Replace missing or broken teeth – complete denture (each tooth)	$50	$100	$100
Repair resin denture base	$60	$120	$120
Repair cast framework	$75	$150	$150
Repair or replace broken clasp	$75	$150	$150
Replace broken teeth – per tooth	$50	$100	$100
Add tooth to existing partial denture	$60	$120	$120
Add clasp to existing partial denture	$75	$150	$150
Replace all teeth and acrylic on cast metal framework	$175	$350	$350
Rebase denture	$175	$350	$350
Rebase partial denture	$175	$350	$350
Reline denture (chairside)	$100	$200	$200
Reline denture (laboratory)	$150	$300	$300
Tissue conditioning	$50	$100	$100
Recement fixed partial denture	$50	$100	$100

MAJOR DENTAL SERVICES BENEFITS

Benefits shown below will be paid at 50% for any covered procedure during the first year of the policy. In the second year of coverage, you will receive 100% of the benefit.

MAJOR DENTAL SERVICES BENEFITS	Level 1 Basic	Level 2 Intermediate	Level 3 Plus
Inlay – metallic – one surface	0	0	$280
Inlay – metallic – two surfaces	0	0	$330
Inlay or Onlay – porcelain/ceramic/metallic – one or more surfaces	0	0	$375
Inlay – resin based composite – one surface	0	0	$225
Inlay – resin based composite – two surfaces	0	0	$260
Onlay – resin based composite – two surfaces	0	0	$240
Onlay – resin based composite – three surfaces	0	0	$280
Recement inlay	0	0	$40
Sedative Filling	0	0	$40
Pin retention – per tooth, in addition to restoration	0	0	$20
Crown – resin laboratory	0	0	$190
Self standing crown	0	0	$450
Recement crown	0	0	$40
Prefabricated stainless steel crown – primary tooth	0	0	$110
Prefabricated stainless steel crown – permanent tooth	0	0	$125
Prefabricated resin crown	0	0	$140
Prefabricated stainless steel crown with resin window	0	0	$150
Core buildup, including any pins	0	0	$100
Cast post and core in addition to crown	0	0	$150
Prefabricated post and core in addition to crown	0	0	$135
Temporary crown (fractured tooth)	0	0	$95
Pulp cap – direct (excluding final restoration)	0	0	$30
Pulp cap – indirect (excluding final restoration)	0	0	$30
Therapeutic pulpotomy (excluding final restoration) – removal of pulp coronal to the dentinocemental junction and application of medication	0	0	$70
Anterior (excluding final restoration)	0	0	$225
Bicuspid (excluding final restoration)	0	0	$300
Molar (excluding final restoration)	0	0	$375
Retreatment of previous root canal therapy – anterior	0	0	$225
Retreatment of previous root canal therapy – bicuspid	0	0	$250
Retreatment of previous root canal therapy – molar	0	0	$400
Apicoectomy/periradicular surgery – anterior	0	0	$175
Apicoectomy/periradicular surgery – bicuspid (first root)	0	0	$300
Apicoectomy/periradicular surgery – molar (first root)	0	0	$350
Apicoectomy/periradicular surgery – (each additional root)	0	0	$145
Retrograde filling – per root	0	0	$105
Root amputation – per root	0	0	$200

MAJOR DENTAL SERVICES BENEFITS (Con’t.)	Level 1 Basic	Level 2 Intermediate	Level 3 Plus
Hemisection (including any root removal), not including root canal therapy	0	0	$150
Comprehensive periodontal evaluation – new or established patient	0	0	$30
Gingivectomy or gingivoplasty – four or more contiguous teeth or bounded teeth spaces per quadrant	0	0	$165
Gingivectomy or gingivoplasty – one to three teeth per quadrant	0	0	$65
Gingival flap procedure, including root planing – four or more contiguous teeth or bounded teeth spaces per quadrant	0	0	$275
Clinical crown lengthening – hard tissue	0	0	$300
Osseous surgery (including flap entry and closure) – four or more contiguous teeth or bounded teeth spaces per quadrant	0	0	$325
Osseous surgery (including flap entry and closure) – one to three teeth, per quadrant	0	0	$200
Bone replacement graft – first site in quadrant	0	0	$150
Bone replacement graft – each additional site in quadrant	0	0	$75
Pedicle soft tissue graft procedure	0	0	$300
Free soft tissue graft procedure (including donor site surgery)	0	0	$300
Periodontal scaling and root planing – four or more contiguous teeth or bounded teeth spaces per quadrant	0	0	$95
Full mouth debridement to enable comprehensive evaluation and diagnosis	0	0	$65
Periodontal maintenance	0	0	$60
Complete denture – maxillary and mandibular	0	0	$375
Immediate denture – maxillary and mandibular	0	0	$400
Maxillary and Mandibular partial denture – resin base (including any conventional clasps, rests, and teeth)	0	0	$375
Maxillary and Mandibular partial denture – cast metal framework with resin denture bases (including any conventional clasps, rests, and teeth)	0	0	$400
Removable unilateral partial denture – one piece cast metal (including clasps and teeth)	0	0	$275
Retainer – cast metal for resin bonded fixed prosthesis	0	0	$175
Pontic or Inlay/Onlay, usually associated with a crown	0	0	$375
Crown, usually associated with a bridge	0	0	$375
Surgical removal of erupted tooth requiring elevation of mucoperiosteal flap and removal of bone and/or section of tooth	0	0	$95
Removal of impacted tooth – soft tissue	0	0	$120
Removal of impacted tooth – partially bony	0	0	$160
Removal of impacted tooth – completely bony	0	0	$185
Removal of impacted tooth – completely bony, with unusual surgical complications	0	0	$200
Surgical removal of residual tooth roots (cutting procedure)	0	0	$100
Oroantral fistula closure	0	0	$800
Tooth reimplantation and/or stabilization of accidentally evulsed or displaced tooth	0	0	$200
Surgical access of unerupted tooth	0	0	$200
Surgical exposure of impacted or unerupted tooth to aid eruption	0	0	$165

MAJOR DENTAL SERVICES BENEFITS (Con’t.)	Level 1 Basic	Level 2 Intermediate	Level 3 Plus
Biopsy of oral tissue – hard (bone, tooth)	0	0	$325
Biopsy of oral tissue – soft (all others)	0	0	$165
Alveoloplasty in conjunction with extractions – per quadrant	0	0	$110
Alveoloplasty not in conjunction with extractions – per quadrant	0	0	$400
Vestibuloplasty – ridge extension (secondary epithelialization)	0	0	$750
Vestibuloplasty – ridge extension (including soft tissue grafts, muscle reattachment, revision of soft tissue attachments and management of hypertrophied tissue)	0	0	$1000
Excision of benign lesion up to 1.25 cm	0	0	$165
Excision of benign lesion greater than 1.25 cm	0	0	$500
Excision of malignant lesion up to 1.25 cm	0	0	$165
Excision of malignant lesion greater than 1.25 cm	0	0	$550
Removal of benign odontogenic cyst or tumor – lesion diameter up to 1.25 cm	0	0	$165
Removal of benign odontogenic cyst or tumor – lesion diameter greater than 1.25 cm	0	0	$500
Removal of benign nonodontogenic cyst or tumor – lesion diameter up to 1.25 cm	0	0	$325
Removal of benign nonodontogenic cyst or tumor – lesion diameter greater than 1.25 cm	0	0	$500
Removal of lateral exostosis (maxilla or mandible)	0	0	$325
Incision and drainage of abscess – intraoral soft tissue	0	0	$100
Incision and drainage of abscess – extraoral soft tissue	0	0	$450
Removal of foreign body from mucosa, skin, or subcutaneous alveolar tissue	0	0	$165
Removal of reaction producing foreign bodies, musculoskeletal system	0	0	$200
Partial ostectomy/sequestrectomy for removal of non-vital bone	0	0	$125
Maxillary sinusotomy for removal of tooth fragment or foreign body	0	0	$825
Frenulectomy (frenectomy or frenotomy) – separate procedure	0	0	$200
Excision of hyperplastic tissue – per arch	0	0	$200
Excision of pericoronal gingival	0	0	$75
Surgical reduction of fibrous tuberosity	0	0	$250
Sialodochoplasty	0	0	$275

Gallatin County Is Healthiest In Montana

Steve Blanchard — Thu, 05 Apr 2012 15:29:17 +0000

Gallatin county is the healthiest in Montana according to a recent study done by the University of Wisconsin. The University of Wisconsin does this nationwide to study healthiest counties.

In Bozeman – lots of people walk, ride bikes, hike, ski and all this contributes to the overall health of the county. It is a very active town – people are always doing something.

There are also many workout facilities in Bozeman area so there are no lack of places to go.

The county is still not where they want to be yet for health insurance as much as 20-25% of people in the county still have no health insurance – which could change in 2014 with an Obamacare mandate that everyone will have to purchase health insurance or pay a penalty for not purchasing.

How can you become the healthiest county? Work with your city officials and come up with a strategy to get your county/city involved in becoming the healthiest county. It would be great to see counties and or cities compete with each other. Healthier people will show up on the statistics that the health insurance companies read to determine premium rates. Bottom line: healthier people = lower premiums.

60 percent of Montanans say they support full repeal of the law

Steve Blanchard — Sun, 18 Mar 2012 16:43:36 +0000

From a recent article about the healthcare law found on politico that speaks about Max Baucus still being in support of the healthcare law that he was very much a part of – still 60 percent of Montanans do not want this bill according to a recent poll.

Are you one of the 60 percent in favor of repealing? What are your concerns with the new healthcare bill that will be going into full effect in less then two years if it is not repealed?

There is much speculation that the healthcare law will only eventually assist usher in a full blown government run healthcare system where quality of healthcare could go down – also called “rationing”. People will be judged based on statistics on whether or not they should receive the kind of care and what kind of quality of care based on those numbers and when the government is in full control of it – there not much you can do about it. You will take a number and hope that your treatment if at all will be sooner verses later.

What do you think?

The reason that the new healthcare law could end up sinking everything into a government run healthcare system is because it calls for everyone to be covered which won’t help insurance costs and could likely push the private sector out of business and therefore the only option left would be a government run plan because nobody would be able to afford private insurance.

Do you want the government deciding your treatment/s?

Montana Health Cooperative Looking Like A Reality

Steve Blanchard — Fri, 24 Feb 2012 22:05:43 +0000

For the past couple of years MHC (Montana Health Cooperative) has been gaining interest and growing. Recently something huge happened: They were awarded with 58 million from the Federal government to pick up the pace and get this going!

What is a health insurance cooperative?

The Affordable Care Act, passed into law in March of 2010, provided seed money to fund health cooperatives in all 50 states. The Act requires that a health cooperative, known as a “Consumer Operated and Oriented Plan” (“Coop”) is formed as a nonprofit, controlled by and operated on behalf of its members.

Coops must seek and receive approval from their state insurance departments to operate as a health insurance company and follow all the insurance laws of their home state.

Positives: More competition always means better premiums for everyone. So with Montana Health Cooperative gaining momentum and becoming a reality – this will also force other insurance companies to stay competitive price wise because it appears that since they are setting up as a non-profit company – they will be able to bring low premiums. However, there are no details yet on what coverage looks like.

This can be a great way for all Montanan’s to begin to save money on health insurance because the current private health insurance companies will need to stay priced to compete with this new Cooperative.

The MHC is projected to begin in 2014.

Other speculations: It is interesting to me the government’s interest in non-profit cooperatives. It makes me think that they may want this to happen to take an inbetween step into a government-run health insurance. I must note that cooperatives are not run by the government – but it makes me think that they have some type of investment in wanting to supply money towards it – even though the cooperative is required to pay back the money lent to them. Is the government interested to try and knock out private (for profit) insurance companies? Who can really know?

But if the government is interested to put private health insurance companies out of business and the health co-ops somehow fail – then the government will have control over the healthcare industry and will eventually start rationing healthcare depending on what type of disease you have - just food for thought. However, right now it appears that this Montana Health Cooperative would be a good thing.

Montana Health Insurance Scam? Tips To Make Sure They Are Legit

Steve Blanchard — Mon, 09 Jan 2012 23:42:07 +0000

Today I saw an article about a company doing business in Montana that got labeled as a scam:

Montana shuts down health insurance scam

HELENA — The state has shut down a health insurance scam and reached an agreement for insurers to pay $170,000 in medical bills for Montana victims.

Commissioner of Securities and Insurance Monica Lindeen said the state reached a settlement with the National Better Living Association and several of its affiliates on behalf of residents who bought insurance that they believed offered full coverage, even for pre-existing conditions, then rejected claims.

Lindeen said the NBLA agreed to pay $25,000 while one of its call centers paid a $15,000 fine. Both agreed to stop doing business in the state. Two of the insurance companies that backed the policies sold in Montana agreed to settle more than $170,000 in medical debt. Lindeen expects additional penalties for other companies involved in selling NBLA’s products in Montana.

So here are some tips to follow when looking into a health insurance company:

Check on Google to see if they are out there. If they don’t even have a website – that is a bad sign. Check to see what other people are saying about them online
Check AM Best – for a rating. They rate insurance companies on how well they pay. If the insurance company does not even show up – then that may be a pretty good sign.
Check with the state of Montana if you are unsure about the company and ask them about it.
Finally – if they are claiming really great coverage and your premium is really low, then they are leaving some things out.

So next time you are shopping for health insurance in Montana – please keep those things in mind.

Blue Cross Too Late To Provide State of Montana Benefits In 2013

Steve Blanchard — Thu, 08 Dec 2011 23:45:48 +0000

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.

PacificSource Health Insurance in Montana

Steve Blanchard — Mon, 14 Nov 2011 04:18:12 +0000

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.”

Read more: http://missoulian.com/news/state-and-regional/mike-dennison-new-competitor-to-enter-montana-health-insurance-market/article_dacb3cba-0d9a-11e1-b654-001cc4c03286.html#ixzz1deKUV4Fk

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.

Clear One Health Insurance In Montana

Steve Blanchard — Wed, 06 Apr 2011 20:40:03 +0000

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.

Obama Coming to Montana to talk Health Care Reform

Steve Blanchard — Wed, 12 Aug 2009 23:58:40 +0000

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?

Still looking for Montana Health Insurance?

Steve Blanchard — Tue, 04 Aug 2009 16:56:16 +0000

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.