How can I tell whether Billings Clinic is in my network?
Start with Billings Clinic's Insurance Finder and the number on your insurance card, then confirm the exact facility and doctor. The clinic warns that participation changes frequently and that a listing is not a guarantee of benefits.
| Who to ask | What to give them | What to confirm |
|---|---|---|
| Your insurer | The exact 2027 plan and network; the clinic, doctor and location. | Whether each provider is in network for your product and planned care. |
| Billings Clinic | The same plan name, network and doctor's name. | Whether the clinic, hospital and provider participate; ask about separate bills. |
| Your employer, if covered at work | Your 2027 benefits summary and insurance card. | Whether a custom, narrow or tiered network changes your cost at Billings Clinic. |
Billings Clinic says it may participate through a network used by your plan rather than contracting with the plan directly. It also cautions that an employer may use a custom, narrow or tiered network. A recognizable company logo on your card does not answer these questions.
The clinic's Insurance Finder can be reached at 406-238-2500, extension 5046, or 1-800-332-7156, extension 5046. Ask the insurer as well, because benefits and eligibility depend on your policy.
What if I use more than one Billings hospital?
Check every facility you expect to use, not just the health system name. Intermountain Health publishes separate Montana insurance information, so check its participating locations and your individual physician independently from Billings Clinic.
A hospital may participate while a particular specialist, lab or anesthesiology practice bills separately. Ask both the facility and insurer about the specific service. For covered emergency care, federal surprise billing protections generally limit certain out-of-network charges; normal cost sharing can still apply.
How are Marketplace and employer plans different?
A Marketplace plan is individual or family coverage you select through HealthCare.gov. A job-based plan is offered through an employer and can use a different network even when the insurer's name is the same.
For Marketplace coverage, enter your address and household information to see available 2027 plans and any premium tax credit. Extra savings on deductibles and copays generally require an eligible Silver plan; American Indian and Alaska Native enrollees may have different cost-sharing options.
For employer coverage, request the 2027 plan summary, employee contribution and network name from your benefits team. Our family coverage guide explains how an offer of coverage can affect Marketplace savings.
When do I need to decide?
Montana uses HealthCare.gov. Open enrollment for 2027 Marketplace plans runs November 1, 2026 through January 15, 2027. Pick a plan by December 15 and pay the first premium for coverage beginning January 1. Employer and Medicare enrollment periods are separate.
Members of federally recognized Tribes and ANCSA shareholders can enroll in a Marketplace plan at any time for current-year coverage and may change plans monthly. Ask the Marketplace how these rules apply to your household.
How do I compare the overall cost?
Once you have checked your care team, compare monthly premiums, copays, deductibles, prescriptions and the in-network out-of-pocket limit. Our health plan comparison calculator estimates premiums and covered medical spending for two plans; flat copays, drug costs and out-of-network care are not included.
A licensed agent can help compare available options. You can also contact HealthCare.gov or a Marketplace assister.
See our Individual & Family plans
Major medical coverage for you and your household, with subsidies applied where you qualify.Health plan comparison calculator: yearly cost of two plans
Enter two plans' premiums, deductibles and out of pocket maximums to see which costs less for the care you expect.Health insurance in Montana
Marketplace, Medicaid and Medicare rules for the whole state.We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Talk to a licensed agent
We compare plans, explain the tradeoffs and help you enroll. It costs you nothing.