Expertise.com

2024

Last updated:

Best Health Insurance Agencies in Montana

Our Recommended Top 12

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Montana Health Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

20373Reviewed

12228Curated

12Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
Montana
  • Medicare Supplement Insurance

Why choose this provider?

Medicare Life Group offers insurance plans tailored to the needs and budgets of clients in Montana. The company provides health insurance such as Medigap and Medicare Advantage and those that cover prescription drugs and dental and vision exams. Its professionals create customized plans, assist clients in choosing from different options, and guide them throughout the enrollment process. One of its managing leaders, Troy Baccus, is involved in the community as a board member of Gallatin County's Big Brothers Big Sisters.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (45)
Facebook
5.0 / 5 (17)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Montana
  • Group Plans
  • Individual Plans

Why choose this provider?

Best Insurance has been serving individuals, groups, and businesses in Montana and the surrounding areas since 2008. The independent agency offers a variety of health insurance options, including individual and group plans as well as customized bundles that may include dental and vision care, providing coverage for medical and hospital expenses as well as prescription drugs. The agency gives back to the community through its support for the Montana High School Rodeo Association and Special Olympics.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.4
Google
4.4 / 5 (27)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
Montana
  • Individual Plans

Why choose this provider?

Bailey Insurance Services is an independent agency that addresses the health-related policy concerns of individuals and families in Montana. The firm's team of agents helps its clients find the right insurance that includes dental and vision coverage and a health savings account. They also assist senior citizens in obtaining appropriate health care through various Medicare plans. These include Medicare Advantage, supplement, and prescription drug plans. Bailey Insurance Services has been in the health insurance industry since 2008.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (37)
Facebook
5.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Montana
  • Individual Health Insurance

Why choose this provider?

Bison Insurance, PLLC, provides financial coverage for the healthcare needs of clients in communities around Montana. Its team offers a comprehensive selection of products and plans that are supported by various companies like CNA Surety and American Modern. Each of its health insurance policies covers standard and emergency surgeries, as well as medication-based treatments and wellness checkups. Bison Insurance has also provided charitable support and participated in volunteer work for different programs held by non-profit organizations and groups, including Big Brothers Big Sisters of America.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.8 / 5 (34)
Facebook
5.0 / 5 (18)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Montana
  • Group Plans
  • Individual Plans

Why choose this provider?

Bozeman Insurance Center Inc is an independent agency that offers health insurance to clients in Montana. Its team of agents works with individuals and families to plan out the best health insurance policy to address their needs. The company also covers auto insurance for cars, motorcycles, boats, and ATVs and property insurance for homes, condos, renters, and landlords. Bozeman Insurance Center has been working with business establishments since 1988 to address their commercial insurance needs.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (14)
Google
5.0 / 5 (4)

Website
Montana
  • Group Plans
  • Individual Plans

Why choose this provider?

Big Sky Benefit Solutions is an insurance brokerage serving the health coverage goals of residents in Montana. Its team creates health insurance packages tailored to various needs, such as Medicare Supplement, disability coverage, and critical illness inclusion. The staff shops from multiple insurance carriers, assist clients in choosing from different options, and helps with changing or updating policies and coverage. The brokerage has been working in the industry for more than 30 years and also offers business health insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (25)
Facebook
4.7 / 5 (15)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
Montana
  • Medicare Supplement Insurance
  • Group Plans

Why choose this provider?

Clawson Insurance Agency caters to the needs of individuals and families across Montana. It offers medicare supplements policies to those who are turning 65 to help pay for health care costs like coinsurance, copayments, and deductibles. Additionally, it holds policies that cover personal property like homes, boats, motorcycles, and automobiles. This also includes insurance for commercial properties as well as policies like liability and contractors insurance. Company president Cindy Clawson has been in the industry since the 1980s.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (19)
Facebook
5.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
Montana
  • Life Insurance

Why choose this provider?

Grachek Insurance serves the needs of individuals, families, and businesses all across Montana. This independent insurance agency offers four major types of health insurance policies for residents in the area, which include EPO, HMO, POS, and PPO, which usually cover medical, surgical, and hospital expenses. Additionally, policies can cover dental fees, mental health treatments, and prescription medications. The agency also offers auto, home, life, and business insurance policies, and some of the insurance carriers it represents include Austin Mutual, CNA Surety, Hartford Insurance, and Progressive.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
5.0 / 5 (7)
Facebook
4.3 / 5 (7)
Yelp
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
Montana
  • Life Insurance

Why choose this provider?

Jacoby Insurance Group addresses the health policy-related concerns of individuals and families in Montana. The company offers various Medicare products, which include parts A and B, supplemental, and Medicare Advantage plans. It also helps clients gather more knowledge about Medicare by providing educational classes. Jacoby Insurance Group has other products, such as long-term care, disability income, small group employer, and property and casualty insurance policies. Owner Megan Jacoby has more than 25 years of insurance experience.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.7 / 5 (14)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Montana
  • Individual Plans

Why choose this provider?

Rocky Mountain Insurance Group offers services to clients in Montana. It helps individuals and families apply for health insurance policies to prepare for future medical expenses and treatments. It also provides employer group plans focusing on assisting business owners in protecting the health and finances of their employees by providing them with insurance benefits. In addition to health, the company carries life and disability insurance policies covering clients' earning potential during emergencies or unexpected circumstances. Personal and commercial property and casualty insurance are available.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
Montana
  • Individual Plans

Why choose this provider?

Montana First Insurance is an independent agency that offers health insurance to individuals, families, and businesses in Montana. It provides disability, individual health and group health insurance, and Medicare Advantage and Medicare Supplement plans. Also included in its list of products are homeowners', renters', auto, business, flood, and rental property insurance. Coverage for farms, ranches, and recreational vehicles is additionally available. Montana First Insurance partners with 25 insurance carriers, including Allied Insurance, BlueCross, Liberty Mutual, MetLife, Travelers, and Farmers Alliance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.5 / 5 (20)
Facebook
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
Montana
  • Life Insurance
  • Individual Plans

Why choose this provider?

McLeod Insurance & Financial Services, Inc., serves both young people and the elderly in Montana. It offers health insurance solutions to protect individuals and families from financial difficulties in the event of illness. The company also provides a variety of Medicare insurance programs, including supplement and drug plans, as well as Medicare advantage plans. Mike McLeod, the co-owner, has been in the insurance industry for more than 30 years. He holds the titles of Chartered Financial Consultant and Registered Health Underwriter.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

FAQs

  • Introduction

    If you're looking for health insurance for yourself or your family, an agent can help you save time, understand your options, and manage your costs. Insurance agents must be licensed in the state where they operate. They can provide information about on- and off-exchange plans to help you weigh all of your options, and they can see if you qualify for tax credits that can lower your monthly premiums. There's no cost to work with an agent, and they can help you save quite a bit by recommending the best plan for your needs. Here's what you should know before you get started.

  • How can you find affordable health insurance? 

    Affordable insurance is available through employers, Medicare, Medicaid, and the federal Health Insurance Marketplace, which offers subsidies in the form of tax credits. You can also purchase coverage through private insurance companies and independent agents. Nearly half of all Americans have employer-sponsored health insurance, and about 10% of the population is uninsured.

  • What is health insurance?

    Health insurance policies are contracts that require an insurer to pay some or all of a beneficiary's health care expenses in exchange for a premium and deductible. Plans cover preventive care and emergency medical services arising from an injury or illness. They may also offer optional coverage for dental and vision.

  • How do health insurance companies make money?

    Health insurance companies make money by collecting premiums from consumers and reinvesting the funds. Federal law requires insurers to put approximately 80-85% of collected funds toward claims, and 15-20% is used to pay for administrative expenses.

  • What is subsidized health insurance?

    Subsidized health insurance is available exclusively through the Health Insurance Marketplace. This system applies federal tax credits that can reduce or eliminate premiums. Tax credits are available to consumers who earn up to 400% of the federal poverty level based on household size.

  • What is a health insurance deductible? 

    A deductible is a fixed amount you must pay out-of-pocket before normal copays or coinsurance rates apply. Under the Affordable Care Act, some services, such as annual physicals and wellness screenings, must be covered at no charge.

  • Is it illegal to not have health insurance?

    No. Starting in 2019, the federal government eliminated the penalty that applied to individuals who could afford health insurance but chose not to purchase it. Financial penalties still apply in California, Massachusetts, New Jersey, Rhode Island, Vermont, and Washington, D.C.

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