Montana Limited Benefit Plans

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In 2003, the Montana legislature passed HB 384 which allows for limited-benefit plans to be available to those who purchase health insurance in the individual market as long as they are notified which services are not covered and have been uninsured for 90 days or more. Inpatient services are not covered in these plans. Insurers may also limit coverage for newborns, severe mental illness, emergency services, certain basic health services, and services provided by a certain category of licensed health care practitioners. Limited-benefit plans may be renewed for additional 12-month periods for up to five years, effective until 2009.