Montana Health Insurance
Our phone number has changed. Please dial 1-800-447-7828, ext. 2128 to reach MCHA.
The Montana Comprehensive Health Association (MCHA) is a program that offers policies of individual health insurance to eligible Montana residents who are considered uninsurable due to medical conditions. The MCHA also is the coverage available to persons who are leaving group coverage.
The MCHA is sometimes referred to as Montana’s “high-risk” pool. The MCHA provides coverage of “last resort” and is not intended to duplicate coverage from any other source, public or private. The MCHA plans are administered by Blue Cross Blue Shield of Montana and currently provide coverage for about 3,600 Montanans.
The MCHA is committed to providing access to quality health insurance coverage for uninsurable Montanans. In fulfilling this vision, the MCHA believes in:
- Quality health insurance plans
- Accessibility for qualifying Montanans
- Effective programs to manage health care claims and expenses
- Collaborative industry involvement
About Us
The Montana Legislature created the MCHA in 1985 to establish a program that provides access to health insurance to Montana residents who are otherwise considered uninsurable due to medical conditions. These Montanans are not part of the traditional health insurance market because of preexisting health conditions or significant exclusions of coverage. In general, these people have been rejected for health insurance coverage or offered a policy with a rider on their primary health condition.
In 1997 the Montana Legislature created a second MCHA plan for eligible individuals who have had prior health insurance coverage that meet the federal rules of eligibility as described in the eligibility section. This site contains information about benefits, exclusions, premium rates, eligibility, and application procedures for the MCHA program.
This site also provides information about program changes, publications, and upcoming events that affect the MCHA.
Effective August 1, 2003: If you have lost your job due to foreign trade and are an eligible federal Trade Adjustment Act (TAA) qualifed individual, you may qualify for coverage under the Portability Plan. The federal Trade Adjustment Act of 2002 provided a 65% tax credit for qualified persons to use to purchase health insurance. The MCHA is one of the qualified plans that TAA qualified persons can purchase with the tax credit. Please see the section about the Portability Plan for additional information.
Please note: all brochures, rate cards and applications are loaded as PDF files. You must have Adobe Acrobat to download these documents. If you don't have Adobe Acrobat, you can download it from this website: http://www.adobe.com/products/acrobat/.
More Information: Montana Health Insurance
The Premium Assistance Plan is open on a limited basis. Enrollment is on a first-come, first served basis and is limited to the available funding. We encourage you to apply today if you think you may qualify for the plan.
Attention Licensed Agents:
Under the HIPAA Privacy Rule, the MCHA is considered a covered entity. To attain compliance with the Privacy Rule, the MCHA must enter into Business Associate Agreements (BAs) with each agent that does business on our behalf. This BA will allow MCHA to provide information to you (as the agent) during the application process and to pay you the applicable agent fee for selling an MCHA policy of insurance. Please note that after the application is approved and the member becomes insured by MCHA, you will need to have your customer complete an authorization form (Authorization for Disclosure of an Individual’s Health Information) before any additional protected health information can be shared with you.
If you have not yet completed a BA, please download the agreement attached below, complete it, sign it and mail it to the address shown below. Please call if you have any questions.
Click here for MCHA Business Associate Agreement
The Authorization for Disclosure of an Individual’s Health Information can be downloaded from the Blue Cross and Blue Shield of Montana website (Member Forms section.)
Here is a link to that web page: https://www.bcbsmt.com/Pages/forms.aspx
Click here for MCHA's Notice of Privacy Practices
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