Montana Youth Care is a health insurance product from Blue Cross / Blue Shield of Montana that is designed to insure kids only, without their parents being on the policy.  This is a great product for children in need of comprehensive coverage.
    Why should kids need their own policy?  Sometimes parents may have a very high deductible policy, but they want their children to have more immediate coverage.  Or one parent may be legally required to provide health insurance for their children.  Montana Youth Care fills this bill nicely.
    Some features of Montana Youth Care:

• Youth Care offers the first $400 coverage up front with no deductible.


• Prescriptions have $100 deductible.


• Premium cost is reasonable.

    There are times when someone needs health insurance but it is not reasonable to obtain a regular policy.  These policies are usually written for the following reasons:

• Someone is between jobs and is no longer on group health insurance.


• Someone has completed school and is off the school's coverage.


• Someone's health insurance policy has lapsed and immediate coverage is needed.