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Montana Health Insurance Programs For Children

friendshelpingfriends started this conversation
Dec 3, 2009

HMK is a free or low-cost health coverage plan. The plan provides health coverage to eligible Montana children and teenagers up to age 19. A child can qualify for HMK based on family size and income.

Some parents share in the cost of their children's health care by paying a small co-payment when care is received.

Applications for HMK are available in all Montana communities. Locations include county Offices of Public Assistance, health departments, health care facilities, WIC offices, Head Start facilities, Indian Health Services, and many more community locations. Applications are also available by mail by calling 1-877-KidsNow (877)-543-7669.

Eligibility Requirements
  • Children up to age 19
  • Montana residents
  • US citizens or qualified aliens
  • For some families, depending on income, children must be uninsured for three months (some exceptions apply)
  • For some families, depending on income, the child's parent or step-parent may not be employed by the State of Montana or the Montana University system.
  • Household meets income guidelines for household size

2009 HMK Income Chart

Effective October 1, 2009
Annual Adjusted Gross Income (before taxes)
Household Size
(Children and Adults)
 Household Income
Family of 2
$36,425
Family of 3
$45,775
Family of 4
$55,125
Family of 5
$64,475
Family of 6
$73,825
Family of 7
$83,175
Family of 8
$92,525
Some employment-related and child care deductions apply.
Income guidelines may increase in 2010.
The HMK Income chart is based on Federal guidelines that are adjusted every year. The HMK Income Chart is an accurate eligibility guide effective October 1, 2009.

Children may be eligible for HMK even if income is higher than listed, depending on the number of household members working and dependent care paid.

Covered Services
  • Office and clinic visits
  • Emergency services
  • Hospital services
  • Sports or employment physicals
  • Anesthesia services
  • Surgical services
  • Well-child checkups
  • Prescription drugs
  • Laboratory and X-ray services
  • Mental health services
  • Substance abuse services
  • Dental services
  • Vision exams and eyeglasses
  • Hearing exams/hearing aids
  • ... and more

There are no pre-existing condition limitations.  

For more information on HMK and other health care programs, call the HMK Family Health Line at 1-877-KidsNow (877)-543-7669

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