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Montana Health Insurance
Our phone number has changed. Please dial 1-800-447-7828, ext. 2128 to reach MCHA.
The Montana Affordable Care Plan (MAC Plan)
On March 23, 2010, President Obama signed the Patient Protection & Affordable Care Act (P.L. 111-148) into law. The Act contains a provision (Sec. 1101) for a new federal high risk health insurance pool program to be established within 90 days (the “Federal Pool”). In Montana, this plan is called the MAC Plan. The Montana Comprehensive Health Association (MCHA) will be offering this health benefit plan.
MCHA began accepting applications for this new option on July 1, 2010. The first date that coverage could be effective was August 1, 2010.
Effective Dates of Coverage
This plan has specific requirements for receipt of the application which control the first possible effective date of coverage. Please keep the following information in mind.
If an application's receipt date is the 1st through the 15th (of the month) the earliest possible effective date is the first of the following month.
If an application's receipt date is the 16th through 31st (of the month) the earliest possible effective date is the 15th of the following month.
Am I eligible for the plan?
To qualify, an individual must be a citizen or national of the United States, or lawfully present, must be a Montana resident, must have a preexisting medical condition and must have been uninsured for at least 6 months before applying for the federal program.
Enrollment in the federal MAC Plan is limited and on a first-come basis.
The federal MAC Plan is funded by the premiums paid by insureds and funding authorized by the federal government. If the federal funding is exhausted, insureds may move to an MCHA traditional plan of the insured’s choice. The insured will need to pay the full MCHA premium for that coverage.
How to Apply.
Applicants must complete the MCHA Traditional Plan/Federal High Risk Pool Application. Applicants will need to provide documentation of citizenship, Montana residency, and proof of a pre-existing condition or a denial or offer of coverage which excludes benefits for a pre-existing condition. Please see the application for the full requirements for making application.
One of the following items is required as proof of Citizenship:
-Birth Certificate
- American Indian Card
- Certificate of Citizenship
- Certificate of Naturalization
- Certificate of Report of Birth Abroad
- Consular Report of Birth Abroad of U.S. Citizen
- Final Adoption Decree
- U.S. Passport
- United States Citizen ID card
- I-327 (Reentry Permit)
- I-551 (Permanent Resident Card)
- I-571 (refugee Travel Document)
Copies of these documents are acceptable.
The first month's premium and all documentation should be submitted with the completed application. If you would like assistance with the application process, you may contact any licensed Montana insurance agent.
Montana Affordable Care Application click link below:
Click the link below to view the outline of coverage:
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