We're here to help you
make the most of your plan
800-299-6080
Mon-Fri • 8am-6pm • Mountain Standard Time
Welcome to
Mountain Health
Co-Op!
Getting started with a new health insurance plan can be confusing, so we created this interactive guide to help you use your plan with confidence.
Learn more about the Co-Op, resources available to you, and how to contact us for assistance.
Quick Links
Find all your information in the Member Portal.
Activate your Member Portal to see all your information in one place. To register, you’ll need your member ID number, which can be found on your member ID card.
Use the portal for:
- Sending secure messages to the Co-Op team
- Checking your Explanations of Benefits (EOBs)
- Reviewing plan documents
- Checking your accumulator
- Downloading a digital copy of your Member ID card
Activate your
Member Portal
If you have trouble registering for the Member Portal
email: [email protected]
Contact Us
If you have questions about your current plan, claims and coverage, enrollment, billing, payments, or general member services, please contact our team.
800-299-6080
M- F 8 am-6 pm Mountain Standard Time
Member Portal
Send a secure message to the Co-Op
Your Plan Documents and Insurance Terms
When it comes to understanding what your plan covers—and what it doesn’t—your plan documents have the answers. These documents explain your benefits, costs, and coverage details, helping you make informed care decisions and manage your expenses.
Your key plan documents include:
- Your Policy
- Summary of Benefits and Coverage (SBC)
- Outline of Coverage (OOC)
- Explanation of Benefits (EOB)
All your plan documents are available in your secure Member Portal or on our Plan pages.
Quick Links
Insurance Terms
Health insurance terminology can be confusing. That’s why learning a few key terms can make a big difference in understanding your coverage and using it with confidence. Click here to explore a simple list of terms and definitions designed to make it easier to understand your plan and documents.
Summary of Benefits and Coverage (SBC)
For most people, this will probably be the most important document to examine when comparing plans and understanding coverage options.
The SBC summarizes how your plan shares the costs for covered health care services. This is a summary of the legal requirements found in the Policy.
Key Details:
- Brief descriptions of limitations, exceptions, and other important details
- Deductibles
- Copays
- Coinsurance
- More in depth than the OOC
Outline of Coverage (OOC)
A brief description of the important features of your policy. This is not the insurance contract and only the actual policy provisions will control.
Key Details:
- Outlines the plan’s in-network and out-of-network costs
Policy
This is a legally binding contract between us, the insurance company, and you, the policy holder.
It details the rights and obligations of both you and those of Mountain Health Co-Op.
Key Details:
- Highly detailed explanations
- Explains prior authorization requirements
- Lists all excluded benefits
- out-of-network options
Explanation of Benefits (EOB)
Each time we process a claim submitted by you or your health care provider, we explain how we processed it on an Explanation of Benefits (EOB). The EOB is not a bill. It explains how your benefits were applied to that particular claim.
It includes:
- the date you received the service
- the amount billed
- the amount covered
- the amount we paid
- any balance you’re responsible for paying the provider.
Each time you receive an EOB, review it closely and compare it to the receipt or statement from the provider.
Your Member ID Card
Your insurance card confirms your health coverage and includes key information for billing and care. You’ll need it when you visit a provider, go to the pharmacy, or receive medical services.
Access a digital copy of your ID card or request new paper copies by logging into your Member Portal.
Get paid up to $210 per year to take care of yourself.
Your Signature Benefits, like dental and vision exam reimbursements, are all available before meeting your deductible along with many zero cost services. Start using them anytime.
What’s available?
24/7 Telehealth
Care is always available 24/7 anywhere you are.
$0 Out-of-Pocket Prescriptions
Hundreds of drugs and supplies available for $0 out-of-pocket cost.
Free Health Assessment
Complete a free health assessment right at home and earn $50.
$100 Dental Exam Reward
Get $100 just for seeing a dentist for a cleaning or exam.
$60 Vision Exam Reward
Get $60 just for having your annual eye exam.
Preventive Care Services
100% coverage for many preventive care services and prescriptions.
Reporting Changes & Canceling a Policy
Why is this required?
Any life changes must be reported to your policy to ensure claims are processed properly.
If you don’t report life changes, you may be at risk of claim denials.
Employer Plans
Please contact your HR department to report changes.
Some life changes that may require an update:
• Address
• Birth
• Death
• Marriage
• Income +/ -
• Employment status
Individual & Family Plans
Changes must be managed through the platform you purchased your plan.
Mountain Health Co-Op
800-299-6080
If you purchased your plan directly from us – instead of on the Marketplace – fill out and send us this form.
Your Health Idaho
855-944-3246
Report online via your account YourHealthIdaho.org
Marketplace / Exchange
800-318-2596
Report online via your account healthcare.gov
Paying Your Bill
Pay by Mail
Please make checks payable to Mountain Health Co-Op
Individual Members – Mail Payments to:
LB 201593
Mountain Health Cooperative
PO Box 201593
Dallas, TX 75320-1593
Employer Groups – Mail Payments to:
LB 410035
Mountain Health Cooperative
PO Box 35145
Seattle, WA 98124-5145
Express Courier Delivery (Groups or Individual) – Mail to:
Lockbox Services 201593
Montana Health Cooperative
2975 Regent Blvd., Suite 100
Irving, TX 75063
Online Bill Pay
The easiest way to pay your bill.
Employer Groups
Pay online by logging into the Employer Portal.
Tax Information
Each year, Mountain Health Co-Op mails a 1095-B form for tax purposes to members enrolled in off-exchange individual, small group, and catastrophic plans. If you purchased your plan on the exchange, you’ll receive a 1095-A from HealthCare.gov or YourHealthIdaho.org.
For tax year 2026, you can choose to receive your 1095-B electronically—just click below to let us know.
To request a copy of your 2025 1095-B form, please call Member Service at 800-299-6080 or send a secure message through your member portal.
Privacy Policy
Mountain Health Co-Op is legally required to protect the privacy of each member’s health information, and doing so is of extreme importance.
Protected Health Information (PHI) is information that includes your personal and demographic information that identifies you and that relates to your past, present or future physical or mental health condition and related health care services.
To read our full Notice of Privacy Practices, please visit mountainhealth.coop/privacy-policy/
If you would like a free copy of these materials printed and mailed to you, please contact our Member Service Team.
Coverage Decisions
All utilization review decisions and care management actions are based on a determination of appropriateness of care and service according to the benefit coverage for the member.
The CO-OP provides no incentive or reward for issuing denials of coverage.
There is no use of incentives to encourage barriers to care and services. Utilization Review decisions are based on nationally recognized criteria, plan benefits and adherence of utilization management policies and procedures.
Interpreter Services
Call 800-299-6080 and connect with Member Service for assistance with translation.
Si usted, o alguien a quien usted está ayudando, tiene preguntas acerca de MHC, tiene derecho a obtener ayuda e información en su idioma sin costo alguno. Para hablar con un intérprete, llame al 800-299-6080
Nondiscrimination
Mountain Health CO-OP does not discriminate based on race, color, national origin, disability, age, sex, gender, sexual orientation, or health status in the administration of the plan, including enrollment and benefit determinations.
