Find a Montana Individual or Family Health Plan
Our Individual and Family Plan product line includes comprehensive health plans for Montanans who aren't already covered on another health plan or eligible for Medicare. If you're self-employed, you are eligible for on-the-job health coverage at no extra cost. You are not required to choose a primary care practitioner or seek referrals for specialist care. Applications for these policies are health underwritten (for applicants over age 18), and coverage is offered or declined based on your health.
Individual and Family Plan plan highlights at a glance:
- Coverage for maternity, illness and injury, and prescription drugs
- On-the-job coverage if you are self-employed
- No lifetime maximum benefit
- Preventive care 100% covered for participating providers
- Some plans cover alternative practitioner services, and vision care
- No-cost extras to help you save money and stay healthy
- Your choice of providers; no need for referrals from a primary care practitioner
- All provide the highest level of benefits if you choose participating providers, and reduced benefits for nonparticipating providers.
- An extensive network of participating providers within Montana, plus in-network coverage throughout the U.S.
- You'll receive the highest level of benefits by using participating providers.
Choose from four Individual and Family plans:
Preferred is our most expansive coverage. You'll pay just a $30 copay for office visits, naturopathic, urgent care, and chiropractic care. Preferred plans also include vision care. Annual deductibles range from $1,000 to $5,000.
Value is low cost, catastrophic coverage. You'll pay only 40% of the cost for office visits and chiropractic care, and 40% of the cost after the annual deductible for most other in-network services. It also offers an accident benefit, urgent care, and prescription drug coverage. Annual deductibles range from $5,000 to $10,000.
Uniform is a plan designed by the State of Montana.
HSA Qualified plans are high-deductible health plans eligible for combination with a health savings account (HSA). Learn more about HSAs and consumer-directed health plans. We offer two HSA Qualified plan deductibles $3,000 and $6,050.
Ready to learn more?
Download our at-a-glance Individual and Family Plans product brochure (3 MB) or premium rates.
Call our Individual Sales team in Helena at (406) 442-6609 or toll-free (888) 684-5585, or email montanaindividual@pacificsource.com
Apply today!
Compare plans and apply online or download our Individual and Family Plans Policy Application.