There are only five states with mandated temporary disability programs. Montana is not one of the five. Health insurance plans do not replace income. They reimburse medical providers when covered members seek care.

Residents should purchase a private short-term disability policy in order to protect income.


Do you know what “infertility services” are? Are you wiling to give up your PPO healthcare benefit plan in exchange for one that requires referrals, and limits payments to out-of-network providers?

If you are trying to conceive, those are two important questions to ask yourself. The Montana infertility health insurance mandate forces couples to make this very choice.