Frequently Asked Questions
Most frequent questions and answers
What is Health Insurance?
Health insurance helps cover the costs of medical expenses by providing financial protection against unexpected healthcare needs. In exchange for a monthly fee (which can sometimes be free!) health insurance will help pay for medical bills.
What is the difference between Montana Medicaid/HMK and private insurance?
Montana Medicaid/HMK is health insurance that is provided by the State of Montana. It typically costs little to no money each month, and may be accepted by fewer health care providers. There are certain requirements to qualify for Montana Medicaid/HMK coverage (Heather Warner can help you find out if you qualify). Private insurance typically costs more money each month and sometimes may be accepted by more healthcare providers.
How much does Health Insurance Cost?
Health insurance can range from $0 each month to a few hundred dollars each month, depending on what kind of coverage you feel is right for your and/or your family’s needs. Typically, private insurance costs more money than insurance from the state – which is called Montana Medicaid for adults or Healthy Montana Kids (HMK) for children.
How does the Little Shell Tribe benefit from members having health insurance with Montana Medicaid/HMK?
For every Little Shell member who enrolls and uses Montana Medicaid at the Little Shell Health Clinic, our tribe receives funding that we can use to reinvest in our own tribal health program. In the future, we can use this money to add additional services to our health clinic and better help our members with their health care needs.