The Small
Business Health Insurance Network has gathered the most comprehensive and
relevant insurance products and small business resources for like minded
business owners who are looking for information to meet their health
insurance needs in Montana. There are four main types of Montana small
business health insurance plans. When insurance shopping, think about which
of the following would best fit your lifestyle.
- Indemnity (Fee for Service):
Generally the most costly, indemnity plans offer the widest selection of
health care providers. This type of Montana health insurance requires
you to pay the bill and send it to the insurer to be refunded.
- Preferred Provider Organization (PPO):
The main concept behind a PPO is the network. You have the choice of any
health care provider in or out of your network, which is determined by
your policy. You then make a co-payment or pay co-insurance. Staying
in-network saves you a bundle with the PPO plan!
- Health Maintenance Organization
(HMO): Like the PPO, the HMO requires you make a
co-payment to an in-network physician. The HMO won't
pay if you receive care outside the network. To obtain specialty care,
you must attain a referral from your primary-care physician.
- Point of Service (POS or Open
Access HMO): The POS allows you to go out of network but
usually only reimburses you 50 to 80 percent. You may also be required
to pay co-insurance and a deductible.
We have created and gathered these resources for self-employed and small business owners
alike with the most relevant services and products available throughout
Montana. Let SBHI.NET
make shopping for your insurance quick and easy; compare policies,
use your best judgment—and capture the savings!. As a frequently requested
item from business owners throughout Montana, we have put
together a tax-savings strategy
for plan documentation materials that are associated with group health
insurance plans and self employed health insurance in Montana.
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