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This Web site contains a compilation of more than a thousand consumer finance  columns written by Tony Novak from the 1980s through 2006, updated and reformatted for maximum usefulness today.  New material was added after 2010.

Content is the opinion of the author and does not represent the position of any other person or entity. Information is from sources believed to be reliable but cannot be guaranteed.

The author is paid for product endorsements and has an ownership or other financial interest in the businesses related to the topics covered.

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List of health care providers

originally posted: 11/22/2006  reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date. If you notice an error or are in doubt, please send a new question by email or ask for an update. Email

Q: I would like to know if there are providers in Montana and where I find them.

A: All of the health plans supported by OnlineAdviser, including all those listed at, cover expenses with all doctors and hospitals in the U.S. There is no need to consult a list of providers. Just choose the doctor or hospital you want but be sure to reach an understanding as to who will submit the claim and what is your financial responsibility. Some medical providers agree to accept the payment provided by the health plan as full payment (after you pay your deductible), submit the claim themselves, and receive payment directly from the insurer. Many even allow you to pay your policy deductible over time. Other providers require cash payment at the time of service and expect you to handle all insurance matters. This is not a matter of which insurance policy you use, but rather an issue between you and your doctor. All health insurance policies pay the insured person directly unless otherwise directed by you to pay a medical provider instead. If you do not like the billing process, consider using another provider who meets all of your needs. Financial considerations must be balanced with medical care in order to achieve successful health care over the long term. There is some benefit in using a preferred provider (PPO) network to pre-determine the amount of charges for specific services. In rural areas, however, this may not be an option. Check to see a list of providers in your area who have agreed to accept discounted payments from America's largest PPO network. Some health insurance plans have built-in PPO network benefits, but the financial risk for not using them is usually not significant.


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