HELENA – Commissioner of Securities and Insurance Monica J. Lindeen has announced her office’s new guide to health insurance, an everyday handbook for common insurance questions and problems.
“The health insurance landscape is always changing, and it can be hard to keep up,” said Lindeen. “Now more than ever, Montanans need clear, straightforward answers to their health insurance questions. This guide provides the facts - no spin, no sales pitch.”
Since the passage of the Affordable Care Act, Montana’s health insurance market has changed dramatically. Today, consumers can access no-cost preventative care, appeal denied claims through a more transparent process, and find more affordable coverage for pre-existing conditions.
Because the federal reform law is implemented in steps over several years, many people are confused about what rights and benefits they already have. Con-artists have exploited that confusion, selling junk insurance with the promise that it will include all of the new law’s benefits.
The Commissioner’s new health insurance guide serves as a snapshot of current rights and benefits to help clear up confusion surrounding health insurance today. It also offers tips consumers can use to lower their premiums and find the right coverage at the right price.
“Finding affordable coverage is still one of the biggest challenges health insurance consumers face,” said Lindeen. “Some people may find lower premiums through a high-deductible health plan. For those who have pre-existing conditions, the new high-risk pool can offer competitive rates with quality coverage.”
The guide is available for download on the Commissioner’s website at csi.mt.gov/health. To request a printed copy, call 1-800-332-6148.