As the novel coronavirus continues to spread in Montana, State Auditor Matt Rosendale reminds everyone to ensure that they are covered by health care plans. Rosendale spoke to KGVO News about the options that are currently available to uninsured or underinsured Montanans.

Open enrollment for Affordable Care Act (ACA) health insurance through the federal website ran from November 1 to December 15 and is now closed. However, there are health care options that are currently open for enrollment.

“There are several options that we want to make sure folks are aware of,” Rosendale told KGVO. That’s direct primary care membership, short-term limited duration health insurance, and also the special enrollment period for ACA.”

Rosendale says that direct primary care memberships are an affordable option for those seeking basic treatment and routine testing. Direct primary care memberships are not insurance plans; they are instead arrangements between patients and their doctors. They are open to anyone and usually offer an online application.

Short-term limited duration plans are for those seeking temporary health care plans and are open for enrollment year-round.

“Several major companies offering short-term plans in Montana have already announced that they will waive deductibles, co-pays, co-insurance, and prior authorization requirements for COVID-19 testing,” Rosendale stated. “The company notices can be found on my website. Consumers are advised that not all short-term plans may cover testing for COVID-19.”

The special ACA enrollment period is open for those who have recently experienced a significant life event, including losing health insurance, getting married, moving, or having a baby.

Rosendale reminds those seeking health care plans to consult with their insurance agent and to be aware of the fine print before purchasing a health care plan.

The most important thing is, “don’t go uncovered,” Rosendale said.