Open Enrollment - MMIA Employee Benefits

(800) 635-3089 option 4

(800) 635-30894

Please see below for available resources effective July 1, 2026.

About Your MMIA EB Benefits

The MMIA Employee Benefits program is a self-funded health benefit pool covering the employees, retirees and families of 90 Montana cities and towns. MMIA is a local government entity, not an insurance company. Participants’ monthly premiums and the cities’ and towns’ contributions go into a pool that pays for medical, prescription, dental, and vision claims. MMIA contracts with various vendors to process claims and offer cost-saving services to the pool and its participants. Learn more about MMIA.

What Will My City/Town Offer as of July 1? This link opens a PDF document in a new tab.

Learn More About Available Resources

The Plan Documents for 2026/2027 are effective July 1, 2026 - June 30, 2027.

Plan Documents show you what your plan covers and at what level. Plan Summaries are a quick reference guide to see what your plan covers. The Plan Document should be referenced for details of all coverages. Changes to benefits indicated in the Summary Plan Documents (SPDs) below are effective as of July 1, 2026.

MMIA Standard Plan & HDHP Benefit Summary (PDF)

MMIA Standard Plan (SPD) (PDF)

High Deductible Health Plan (HDHP) Document (SPD) (PDF)

City of Kalispell Benefit Summary (PDF)

City of Kalispell Custom Plan Document (SPD) (PDF)

View Plan Documents webpage for the current plan year.

Dental Plan Document (PDF)

Dental with Ortho Plan Document (PDF)

Dental Plan Summary (PDF)

"Know Your Delta Network" Flyer (PDF)

Vision Plan Summary (PDF)

VSP Info Flyer (PDF)

Basic Life: Employer-Paid

Basic Life Beneficiary Form (PDF)

Basic Life and AD&D Policy (PDF)

Basic Life AD&D Summary (PDF)

Voluntary Life: Employee-Paid

Evidence of Insurability Form (PDF)

Voluntary Life Enrollment Form (PDF)

Voluntary Life Policy (PDF)

Voluntary Life Summary (PDF)

Additional Services through Mutual of Omaha

Worldwide Travel Assistance (PDF)

Identity Theft Assistance (PDF)

Will Preparation Assistance (PDF)

Hearing Discount Program (PDF)

Resources Flyer (PDF)

S apphire Resource Connection Flyer (PDF) - Employee Assistance Program (EAP) that offers no-cost mental health services

CRX (webpage) - Formerly MMIA Scripts. No-cost international mail order prescription drug program

Montana Health Center (webpage)

ProAct (webpage)

Take Control Disease Management Flyer (PDF)

Take Control Maternity Management Flyer (PDF)

Teladoc Flyer (PDF) - No-cost telehealth services for those on medical. Visit teladoc.com (webpage) to learn more.

Healthcare Bluebook (webpage) - Select the cost transparency icon on Allegiance's webpage to access the Healthcare Bluebook.

2026 Blue Cross Blue Shield Medicare Advantage Plans (PDF)

Medicare Retiree Webinar (webpage)

Medicare Part D Notice (PDF)

2026/2027 Summaries of Benefits and Coverage (SBCs)

Kalispell Custom Plan (PDF)

Bridger Plan (PDF)

Madison Plan (PDF)

Pintler Plan (PDF)

High Deductible Plan (PDF)

Federal Notices

EEOC - Wellness Program Notice (PDF)

Language Access Services (PDF)

Medicare Part D Notice (PDF)

Notice of Privacy Practices (PDF)

Women's Health Annual Notice (PDF)