Montana Comprehensive Health Association Portability Plan (MCHAPP)

→ Click here to view MCHAPP rates

Guaranteed Health Insurance Plan

As a HIPAA eligible enrollee, you have the guaranteed right to buy an individual insurance policy from the Montana Comprehensive Health Association Portability Plan (MCHAPP). Note:

• MCHAPP prohibits any pre-existing condition exclusion periods or elimination riders
• MCHAPP is your only guaranteed access to individual health insurance

HIPAA Eligibility

To be HIPAA eligible in Montana, you must:

1. Have 18 months of continuous creditable coverage, with at least the last day under the Brethren Ministers Group; and
2. Not be eligible for Medicare, Medicaid or a group plan; and
3. Apply for health insurance for which you are HIPAA eligible within 63 days of losing your prior coverage; and
4. Not have health insurance.

Note: If you know your group coverage is about to end, you can apply for coverage for which you will be HIPAA eligible.

What does MCHAPP coverage cost?

MCHAPP charges different rates based on the plan chosen and age of applicant. Montana law caps the premium at 135% of what a healthy person would pay for a similar individual plan. Click here to view MCHAPP rates.

MCHAPP Coverage Highlights

• $2 million maximum lifetime limit
• MCHAPP offers three plans, all with 70/30 co-insurance:
  • $1000 deductible with a $3000 out of pocket maximum
  • $2500 deductible with a $5000 out of pocket maximum
  • $5000 deductible with a $8000 out of pocket maximum
• Benefits include hospital and physician services, prescription drugs, lab & x-ray tests & maternity
• To view more information, view the MCHAPP Plan Summary

How can I be insured with MCHAPP?

For enrollment information, visit the Montana Comprehensive Health Association online at www.mthealth.org, or call (800) 447-7828.

Special insurance for children: KidsNow

A family of four making up to $36,138 a year may be eligible for KidsNow.

• Do you qualify? Visit Eligibility
• To discover what's covered visit Benefits Information
• Questions?Call (877) 543-7669