Field below a mountain

Insurance and Benefits

General and Professional Liability/Malpractice, Workers' Compensation, Directors' and Officers/Employer Practices Liability, Privacy and Security/Cyber, Hired and Non-Owned Auto as well as Employee Health Coverage and a 401(k). MHN offers a wide spectrum of high quality, cost-effective insurance products specifically for health care related entities.

We provide high-value insurance coverage, specializing in service to organizations in the healthcare industry.

In the early 90's, forward-thinking rural healthcare facility CEO's gathered to find a better way of obtaining insurance services. They wanted lower costs and more input. Through this effort Montana Health Network developed multiple self-funded and group insurance products and services. Members in these programs have input into the oversight of the products and operations are shared in a fully transparent manner.

The products developed include General and Professional Liability, Physician Malpractice, Workers' Compensation, Directors and Officers Liability, Umbrella/Excess Liability, Privacy and Security/Cyber Insurance, Hired and Non-Owned Auto as well as Employee Health Coverage.

To assist in these services Montana Health Network employs internal Risk Managers and Medical Case Managers to review and mitigate risk, enhance return to work efforts for Workers' Compensation cases and develop educational programs to keep participants current on trends in the industry.  

     

Workers’ Compensation

Learn More

General & Professional Liability/Malpractice

Learn More

Privacy and Security/Cyber Insurance

Learn More

401(k)

Learn More

Employer Sponsored Health Insurance

Learn More

Directors' and Officers/Employment Practices Liability

Learn More

Medical Case Management

Learn More

Workers' Compensation

Return to Work
MHN's Workers' Compensation Plan has a robust return to work program
Healthcare Facility Governed
MHN's Workers' Compensation Plans is governed by MHN Healthcare facility representatives
Medical Case Management
MHN's Workers' Compensation has Montana based medical case managers
Local Claim Adjusters
MHN's Workers' Compensation has Montana based claim adjusters

Workers’ Compensation

Since 1990, Montana Health Network has been offering a self-insured Workers’ Compensation Trust. It is the largest self-insured in the State of Montana with a proven track record for controlling costs and returning employees to work. In-house Risk Managers, Case Managers and Occupational Therapists focus on successful outcomes. The process is proactive starting from job analysis, employee education, through claims analysis and return to work support. Policies, procedures, forms, and on-site support are provided.

General & Professional Liability/Malpractice

The Montana Health Network Liability and Casualty Exchange has been providing General and Professional liability and Physician Malpractice since 1999. A key advantage of this program is that it is Montana based and monitored by the State of Montana Commissioner of Insurance. Another advantage is that the members are considered low risk which keeps premium down. 

Privacy and Security/Cyber Insurance

With the world of electronic medical records upon us, there are new risks related to protecting information. There are many examples of breaches from lost/stolen laptops to hacked computers. The cost of reporting, notifying and recovering from one of these situations can be staggering. Privacy and Security/Cyber insurance provides risk management on the front end and financial protection on the back end.

401(k)

Montana Health Network provides a Multiple Employer Plan through Transamerica Retirement Solutions. This model makes the 401(k) plan very affordable for facilities and employees and it combines the assets of all participants when negotiating fees. In addition, it moves most of the maintenance, reporting and the associated fiduciary responsibility away from the local Human Resource departments.

Employer Sponsored Health Insurance

Since 1993, Montana Health Network has provided a health plan through a partnership with Allegiance Benefit Management. A variety of affordable plans are offered with multiple options built-in, including group dental, group vision and voluntary dental insurance. The primary goal is to provide stability of rates for participants. This program also has attractive options for Flex plans.

Montana Health Network has negotiated a contract with Allegiance Benefit Management to provide Flex services at a reduced price. The advantage of this arrangement is that participants have the option of having their claims moved automatically from the claims department to the flex department. This eliminates the paperwork burden for the participants and saves on lost flex reimbursement.

Directors' and Officers/Employment Practices Liability

Montana Health Network members joined together to group purchase an Executive Risk Policy which offers lower rates and better coverage provisions. The Directors and Officers portion provides protection for the actions of the Board in the event a claim is made against them. The Employment Practices portion of the policy provides a defense in the event an employee brings forth a complaint related to disciplinary action, termination or discrimination. An attorney hotline is offered at no cost to give Human Resources staff an opportunity to obtain legal advise prior to taking action related to an employee problem.   

Medical Case Management

Nurse case management services have been provided by Montana Health Network for over 20 years. MHN utilizes certified RN nurse case managers to coordinate proper care for workers compensation, and chronic disease management.  We believe one of the keys to successful case management is early intervention and establishment of a trusting, professional and positive relationship between case manager and those needing services. MHN’s goal is to be part of the team to ensure those needing care are receiving the best and most appropriate medical care for their injuries and ailments and are progressing to a safe and expedient return to a productive life and maximum medical improvement. 
In addition to workers compensation case management, we offer chronic disease management programs. We are continually adding other health prevention case management programs.
Please contact us at 406-256-1084 if you would like further information.    

Get Started

Talk with us about how we can help your organization enjoy lower risk at a reasonable cost.
High Mountain Lake