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Patient Information about The Health Insurance Marketplace

Important Dates

  • The 2021 Open Enrollment Period runs from November 1, 2021 to January 15, 2022 for the Health Insurance Marketplace. Go to
  • Plans purchased by December 15, 2021 will start January 1, 2022. Plans purchased by January 15, 2022 will start February 1, 2022.
See if your health plan includes Billings Clinic.

Special Enrollment Open All Year
For people with life changes (including marriage, divorce, birth, adoption, change in job status, etc.)

Montana - Expanded Medicaid Insurance Plan (HELP) - open all year
  • For assistance with Special Enrollment for the Health Insurance Marketplace, call our certified assisters at 406-238-2601.
  • If any of your information has changed (such as income, address, marital status) be sure to update right away.

1. Should I care about health insurance?

Yes! Health insurance is important for better health. Those with health insurance are more likely to receive preventive health care, such as screenings and annual exams, and are less likely to go to the Emergency Department for non-emergency needs.

(Note that some individuals can enroll later due to “life changes,” which may include death, divorce, birth or a change in employer coverage.)

2. Can I just wait to sign up if I get sick or injured?

No, health insurance is not retroactive and will not cover care that has already been provided.

3. Will I save money? Can I get a discount?

Most Montanans qualify for lower premiums or some financial assistance on health insurance through the Health Insurance Marketplace, in the form of tax credits to offset the monthly premium cost for coverage or discounts on the costs when medical services are received for persons with incomes between 138 and 400% of Federal Poverty Level. For example, one person may qualify for lower monthly premium costs with an estimated household income from $16,643 to $48,240. Learn about more affordable health insurance options at

4. Can I see my favorite doctor?

Probably, but it’s important to make sure your favorite doctor(s), providers, hospital and pharmacy are in-network in your chosen insurance plan before you enroll. For 2021, Billings Clinic is in-network with Blue Cross Blue Shield, PacificSource, and Montana Health Co-op plans on the Health Insurance Marketplace. However, Billings Clinic is a Tier 2 provider in the Montana Health Co-op Plus plans, which means you will pay more for certain services at Billings Clinic.

5. Are my medications covered?

To be sure, we recommend that you check with the insurance company(ies) you are considering to see if your medications are covered by the plan’s “formulary.” The formulary is the list of prescribed medications covered by an insurance plan.

6. Can I pay less for my kid’s health insurance?

It’s very possible. Many children qualify for free or low-cost health insurance through Healthy Montana Kids or your state’s Children’s Health Insurance Program. You can find out if you qualify for Healthy Montana Kids or for financial assistance on a family health insurance plan by going to

7. If I have Medicare, do I need to do something for the Health Insurance Marketplace?

No, you don’t need to do anything. If you have questions about Medicare, please call our certified counselors at 406-238-2601.

8. Can I change the insurance plan I already picked?

If you enrolled for 2021, you can change to another plan for 2022, or re-enroll in the plan you are in now. Once you enroll for 2022, it may be difficult to change your plan.

9. This is confusing. How can I get help?

Billings Clinic has Certified Application Counselors (CACs) who can assist you with questions or help you enroll in the Health Insurance Marketplace. Call our Certified Application Counselors at 406-238-2601 or toll-free at 1-800-332-7156, ext. 2601. Scheduled appointments are available.

In addition, there are CACs and Navigators available at many other health care organizations, hospitals and communities in our region. To find local help near you or for more information, go to:

Patient Information about the Health Insurance Marketplace (printable PDF)

Billings Clinic has been designated as a Certified Application Counselor Designated Organization. To learn more about the Health Insurance Marketplace and options for affordable coverage, call Patient Financial Services at 406-238-2601.

At Billings Clinic, we value our patients and are very careful in the way we safeguard personal health information. Our privacy notice describes our policies concerning health information and our commitment to protect the privacy of our patients. Read our PRIVACY NOTICE FOR INSURANCE EXCHANGE MARKETPLACE or read our complete PATIENT PRIVACY NOTICE.

Questions? Need To Make An Appointment?

If you have questions or would like to schedule an appointment with a Billings Clinic Certified Application Counselor (M-F, 8 am – 5 pm) please call (406) 238-2601.

Check out or to find help with the Health Insurance Marketplace in your area.

Billings Clinic is a Certified Application Counselor Organization with assisters available to help patients with health insurance questions or enrollment.