STUDENT HEALTH INSURANCE:
Health insurance is mandatory whenever you are enrolled for six or more academic credits. MSU-Northern offers comprehensive health insurance coverage to students at a reasonable rate. If a student has other coverage, a waiver must be signed and the premium will be reversed. Students without health insurance who wish to purchase it from the University must pay $2,192 for Fall 2024 and $2,192 for Spring 2025. Payment of these two premiums results in coverage for 12 full months (Coverage Period Begins 08/01/2024). Spring 2025 Semester-Only rate for new students is $2,557 (Coverage Period: 01/01/2025 – 07/31/2025). Health insurance can’t be waived after 90 days of the coverage start date of the policy.   More details: Student Health Insurance Plan.

STUDENT INSURANCE/MEDICAID

The Montana Medicaid/HELP program and the Montana University System are working in partnership to provide student Medicaid/HELP clients with excellent medical coverage at a reasonable cost to the taxpayers.

The student health insurance plan is cost-effective for those Medicaid/HELP clients with certain medical conditions or problems. The Health Insurance Premium Payment Referral form needs to be complete by EVERYONE that is enrolled in the Medicaid/HELP program. The form can be located in Business Services.  When the state determines a group insurance plan to be cost effective, the Montana Medicaid/HELP client is required to enroll in the insurance program, and then apply for the Health Insurance Premium Payment (HIPP) program.

  • The HIPP program allows state Medicaid funds to be used to pay for private health insurance coverage when it is cost effective to do so.
  • The program is designed to provide additional coverage, not replace the coverage they have, with the student health insurance plan.
  • The student health insurance plan becomes the primary coverage and Medicaid/HELP as the secondary coverage.

*IMPORTANT*
Adult Medicaid/HELP clients MUST comply with Third-Party Liability programs, including the HIPP program, as a condition of keeping their Medicaid/HELP medical coverage. If they drop, or refuse, health insurance coverage that the state has determined to be cost effective, their Medicaid/HELP medical coverage may be canceled.

For questions regarding application to the program, please contact:
Business Services
406-265-3733
businessservices@msun.edu

For questions regarding the Health Insurance Premium Payment (HIPP) program, please contact:
Helen Taffs, HIPP Program Specialist
406-444-4552 htaffs2@mt.gov