Know your rights as a patient in Montana. From surprise billing protections to financial assistance programs, here's what the law says about your medical bills.
Based on CMS cost report data from 33 hospitals in Montana.
Montana hospitals charge an average of 1.5× their actual costs. The average hospital stay is billed at $82,000, while the actual cost is $54,700. Compare prices at specific hospitals →
The federal No Surprises Act protects all Montana patients, regardless of state laws:
Limited State Protections — Montana does not have comprehensive state surprise billing protections. Patients rely primarily on the federal No Surprises Act.
If you receive a surprise out-of-network bill, you are not responsible for the balance beyond what you'd pay for in-network care. Contact your insurer and reference the Limited State Protections to dispute any balance bill.
Under Federal 501(r) & Montana Medicaid (Medicaid Expansion), hospitals in Montana must provide financial assistance to qualifying patients.
Income threshold: Varies by hospital (Medicaid covers up to 138% FPL)
Montana has a 5-year statute of limitations on written contracts. Medical debt falls under this limit. After 5 years, creditors cannot sue to collect.
After 5 years, creditors cannot sue you to collect medical debt in Montana. The clock starts from the date of your last payment or acknowledgment of the debt.
Beyond surprise billing and financial assistance, federal and state law provide these important protections.
Uninsured or self-pay patients can request a good faith estimate of charges before receiving care. If the final bill exceeds the estimate by $400 or more, you can dispute it through the federal process.
You have the right to an itemized bill showing each charge. Review it carefully — billing errors are found in up to 80% of hospital bills according to industry estimates.
Since 2021, all hospitals must publish their standard charges and negotiated rates online. Use Taven's price comparison tool to see how Montana hospitals compare.
Hospitals must offer reasonable payment plans before pursuing collections. Ask about interest-free options and negotiate monthly payment amounts based on your income.
Montana has a 5-year statute of limitations on medical debt (Mont. Code § 27-2-202). After 5 years, creditors cannot sue you to collect.
Montana does not have a comprehensive state surprise billing law. The federal No Surprises Act (2022) provides the primary protections.
Yes. Montana expanded Medicaid in 2016 through the HELP Act, covering adults with incomes up to 138% FPL.
Yes, after a court judgment. Montana allows garnishment of up to 25% of disposable earnings. Your home is protected up to $350,000 under Montana's homestead exemption.
Contact the Montana Commissioner of Securities and Insurance at 406-444-2040 for insurance complaints. For billing fraud, contact the Montana Attorney General.
If a hospital or insurance company is violating your rights, you can file a formal complaint.
For insurance-related complaints: claim denials, balance billing, network issues.
📞 1-406-444-2040
File a complaint →For deceptive billing practices, fraud, or consumer protection violations.
File a complaint →Compare prices at 33 hospitals across Montana. Click any hospital to see their procedure prices and negotiated rates.
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