At its heart, insurance is a promise.
Your health, your family, and your business deserve to be taken care of, and Rocky Mountain Insurance Group will be there for you every step of the way. Your insurance agent should be an advocate and an expert, simplifying a complicated industry. We are optimists, creatives, and passionate problem solvers, providing you with coverage choices that fit your healthcare needs, lifestyle, and budget.
RMI represents all major carriers in Montana.
Rocky Mountain Insurance Group has spent the past two decades navigating the waters of health insurance on behalf of our clients in Montana. From care to compensation, and choosing your coverage to filing claims, we are with you through the entire journey. Don’t be surprised if it starts to feel as though you’re speaking with a friend or family member – our clients tell us the trust and familiarity they experience at Rocky Mountain Insurance Group make finding the right coverage simple, and dare we say.. fun.
Based in Bozeman, we begin every relationship with an open conversation. After learning who you are and what you care about, we walk you through all your options and – together – find the best plan, carrier, and rates. You are unique, and your health insurance should reflect that.
Individual & Family Plans
Individual and family health insurance is critical to your overall quality of life. Rocky Mountain Insurance Group supports you in discovering which options are truly right for you. We walk you through the details of this big decision, so you can feel confident in your coverage – whether it is on-exchange, open market, or a high deductible plan coupled with a Health Savings Account
Peace of Mind:
If you choose to sign up online through healthcare.gov, we can also assist you with your enrollment and determine your subsidy eligibility.
The shift to Medicare can be confusing. But with a knowledgeable guide who cares about your future, you can navigate these new waters with ease.
Rocky Mountain Insurance Group sits down with our clients face-to-face and spends time getting to know their needs. Together, we compare your options to find the best benefits at the lowest cost – for traditional Medicare, Medicare Advantage, prescription drug plans, Medigap supplement plans, and more.
Peace of Mind:
After enrollment, we offer ongoing support with filing claims, tracking your eligibility, and communicating with your insurance provider.
From two employees to two hundred, we help Montana businesses of all sizes provide excellent group plans to their hardworking teams. Our goal is to help you find lower group rates, increased benefits, and multi-tiered coverage options through all major insurance carriers. Group benefits allow companies and their employees the opportunity to make tax-free investments in their health.
Peace of Mind:
Rocky Mountain Insurance Group can redesign your existing coverage, or jump-start a new direction for your group benefits.
Life & Disability
Enrolling in life or disability coverage prepares you and your family for life’s many unknowns. Term life insurance, whole life insurance, and different lengths of disability coverage all protect your earning potential in the event of unforeseen circumstances. Your best option will be governed by your wellness and lifestyle – we help inform the process, so you can feel covered, confident, and free to live your fullest life.
You work hard for yourself and your family – we help safeguard what you’ve created.
Peace of Mind:
Our goal is to make sure your insurance coverage (which, in a perfect world, you’ll never need) is ready to catch you if the unexpected occurs.
MEET THE TEAM
The current state of the health insurance industry is volatile and shifting. We are the constant – your experts, advocates, friends, here to get you through each change with confidence.
“Working with Rocky Mountain Insurance Group has been a lifesaver! Gena has helped me every step of the way, from getting health insurance for my family to sorting out massive confusion when I switched insurance companies. No question is too small to be answered and no mess is too big to be fixed. I can’t imagine navigating health insurance without her.”
– Deborah McAtee
“I’ve had the pleasure of working with Gena and Rocky Mountain Insurance Group for the past five years. First, as an employee within a company sponsored plan, then as an individual, and now as a business owner. She has always been a true advocate for my needs and will be the first one to tell me if a certain type of coverage isn’t the best fit or if a better solution exists. Her honest, expert opinion has been a big asset for me – and my business – on more than one occasion. Five stars and two big thumbs up.”
– Logan Burgess
“Gena has been our insurance agent for the past nine years. Talking with Gena about the details of health insurance, it’s clear that she’s really smart, on top of her game, and acting in our best interest – never like we’re just talking to a salesperson. She’s able to comb through a wide number of insurance companies and their offerings, taking the time to get to know Hatch well and tailoring coverage to fit our needs. I have to say that not only Gena, but her whole staff, are truly exceptional. Kelsey has worked with us on the day-to-day details, like adding new employees to our plan. Everyone on staff is prompt, helpful, and courteous. Rocky Mountain Insurance Group has supported us every step of the way.”
– Marc Daniels, Hatch Pediatrics
When is open enrollment for the ACA / Obamacare?
Open enrollment runs from November 1 through December 15th.
When can I enroll outside of the open enrollment period?
Outside open enrollment, you cannot enroll for an individual plan unless you have a Special Enrollment Period (SEP). These exemptions include: marriage, divorce, birth, losing other group coverage, and moving to a new state.
I missed the open enrollment deadline; now what?
We offer short term insurance that can cover you until the next open enrollment period.
I have health insurance from my job – should I still pay attention to the health insurance exchange?
You do not need to be involved with the exchange (healthcare.gov) if you have employer sponsored insurance. The exchange is just for individual plans for subsidy eligible individuals.
What is the penalty for not having health insurance?
The penalty for being uninsured is 2.5% of your adjusted gross income per person in your family.
Does the IRS still enforce the ACA penalty?
Yes, the penalty is charged as a tax on your income tax return.
What is the difference between an HSA (Health Savings Account) and a Medical FSA (Flexible Spending Account)?
A Health Savings Account (HSA) is vehicle that allows you to use pre-tax dollars for unreimbursed medical, dental and vision expenses. There are annual limits (currently at $6800 for a family and $3350 for an individual) which cap how much you can deposit annually, and you must have a high deductible health plan (HDHP) in order to open and contribute to an HSA. HSA monies experience an annual rollover – unused funds can accrue and grow year to year. HSAs do not need to be attached to an employer or group insurance; individuals can open them.
A Flexible Spending Account (FSA) is managed by a third-party administrator and only offered through an employer. The most you can deposit into an FSA is $2000 per year, and these funds are “use it or lose it.” This means that you must spend all your allotted pretax dollars in the year you deposited them, or they disappear.