Stable and cost-effective benefits for Montana cities and towns.


MMIA Employee Benefits pools funds from 90 Montana cities and towns to cover our hard-working municipal employees, retirees and their families.

Learn more about your benefits.

  • Nurse


    MMIA offers comprehensive health coverage plans to Montana cities and towns. MMIA contracts with Allegiance Benefit Plan Management for claims administration and other services. We also offer no- and low-cost ways to stay healthy like Sapphire Resource Connection (EAP), Teladoc, and the Montana Health Centers. 

  • Apple


    MMIA rewards participants for taking an active roll in managing their health and controlling costs. 

  • Medical Resources

    MMIA offers these services at low- or no-cost to you because they also help control costs for the whole pool, which helps keep rates stable. Use these resources to maintain and improve your health.

  • Mortar and Pestle


    MMIA provides prescription coverage so participants get the right medications at the best prices. MMIA contracts with ProAct to be our Pharmacy Benefit Manager for pharmacy claims, billing, mail order, and more. Our participants have options to save money by getting their prescriptions in the mail domestically and for no copay through our international mail order program. 

  • Human silouhette with brain visible icon

    Mental Health

    MMIA Participants have access to no-cost counseling and other life balance benefits.

  • Retirees

    Retirees on the MMIA Plan have options when it comes to their coverage in retirement.

  • Dental

    MMIA offers comprehensive dental coverage, with or without orthodontia. We contract with Delta Dental for claims administration and more. Delta has the largest network of dentists in Montana and the US. 

  • Vision

    MMIA offers valuable vision benefits. We contract with VSP to administer vision claims. They also offer great savings on frames, lenses, and contacts, and even discounts on laser eye surgery.

  • Shield over person

    Life Insurance

    MMIA offers fully insured basic and voluntary life policies through UNUM Life Insurance until June 30, 2024.

    As of July 1, 2024, we will be making the change to Mutual of Omaha. See Life Insurance page for details.

No- and Low-Cost Benefits

Our Healthcare Partners

Montana Health Centers Operated by Premise Health

Montana Health Centers

Located in Helena, Missoula, Anaconda, Butte, and Billings, these clinics offer primary care, lab work, flu shots, same-day services, and much more. Services are no-cost to Standard Plan participants and a $55 copay for High Deductible Health Plan participants.

Schedule an appointment at If you do not see appointment availability online, we recommend you call them at 855-200-6822.


Montana Health Centers Operated by Premise Health
Take Control - Customized plans. Individual Results. Real Savings.

Maternity Management

Take Control is a Montana-based healthcare company that provides expecting moms on the MMIA EB plan with high quality maternity management during and after pregnancy. The program includes:

  • $50 incentive
  • Free pre-natal vitamins throughout pregnancy
  • Coaching sessions in a supportive environment
  • Nutrition and exercise tips
  • Postpartum depression screening
  • And more!

Contact Take Control as soon as you know you’re pregnant to get enrolled 1-800-746-2970.

Take Control - Customized plans. Individual Results. Real Savings.
Teladoc logo


No cost, 24/7/365 access to board-certified doctors who can treat many medical issues by phone or video. This added medical benefit gives you an affordable alternative to costly urgent care or ER visits. Simply set up an account, request a consult, and a doctor will call you.

Teladoc logo

Employee Assistance Program

No-cost life-balance and counseling services through Sapphire Resources. You (and anyone in your household) can receive up to six in-person counseling sessions per issue, per year.

Take Control - Customized plans. Individual Results. Real Savings.

Disease Management

Take Control is a Montana-based healthcare company that provides MMIA EB Program participants customized health coaching services to reduce risks associated with:

High blood pressure/Pre-Hypertension
High cholesterol
Being overweight
Maternal health coaching

Take Control - Customized plans. Individual Results. Real Savings.

About the MMIA

The Montana Municipal Interlocal Authority (MMIA) is a member-owned and member-driven organization that provides self-funded employee benefit, liability, property, and workers’ compensation coverage to incorporated cities and towns of Montana.