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Montana Medicaid for pregnant women

Who qualifies for Montana Medicaid, the income limit for your household size, what it covers and how to apply with Montana Department of Public Health and Human Services.

Limits as of January 2026 · Checked October 2026 · 20 sources

Apply for Montana Medicaid

Montana Department of Public Health and Human Services runs it. We're not the state agency, so you apply with them, online or with help from your clinic or hospital.

Start your application

Opens apply.mt.gov

Check your income against the limit

Short answer

In Montana, you qualify for pregnancy Medicaid if your household earns up to 162% of the poverty level: about $35,057 a year for a household of two (you and the baby). Coverage lasts 12 months after birth. A qualified clinic or hospital can enroll you the same day.

Montana pregnancy Medicaid income limits for 2026

Find your household size and compare your household's income with the limit. Montana Medicaid covers pregnancy up to 162% of the federal poverty level.

Montana Medicaid income limits2026 guidelines, 48 states and DC
HouseholdPer yearPer month
2you + 1 baby$35,057$2,921
3$44,258$3,688
4$53,460$4,455
5$62,662$5,222
6$71,863$5,989
7$81,065$6,755
8$90,266$7,522

Annual and monthly household income. See the 2026 poverty guidelines

Your baby counts

For Medicaid, a pregnant woman's family size counts her plus the number of children she is expected to deliver (42 CFR 435.603(b)). A household of three in Montana, two adults expecting one baby, can earn up to $44,258 a year ($27,320 × 162%).

Limits are percents of the poverty level from KFF and Georgetown CCF (January 2026) and include the standard 5-point income disregard. Montana rounds and updates on its own schedule, so treat the dollars as approximate.

Sources: KFF State Health Facts; U.S. Department of Health and Human Services (Federal Register); eCFR (National Archives). Data as of October 2026.

How to apply in Montana

  1. Count your household

    Count yourself plus each baby you're expecting, and anyone else the state counts with you. Find your size in the table above.

  2. Apply with Montana Department of Public Health and Human Services

    Apply on the state's site (apply.mt.gov). Go to the Montana Medicaid application

  3. Ask for same-day coverage

    At your first prenatal visit, ask whether the clinic can enroll you through presumptive eligibility while your application is processed.

  4. Keep your coverage after birth

    Montana Medicaid covers you for 12 months after the pregnancy ends.

Get covered today

Yes

Presumptive eligibility lets a qualified clinic or hospital enroll a pregnant person in temporary Medicaid right away, while the full application is processed.

Montana uses it for pregnancy. Ask at your first prenatal visit whether the clinic can enroll you.

Source: KFF and Georgetown University Center for Children and Families. Data as of January 2025.

12 months

of Montana Medicaid coverage after birth, since July 1, 2023

KFF postpartum tracker, July 2026

What Montana Medicaid covers for pregnancy

Coverage after birth, plus the three extras people ask about most, each from our state-by-state trackers.

After birth

12 months
Montana Medicaid keeps covering you for 12 months after the pregnancy ends, a rule in place since July 1, 2023.
Postpartum coverage in every state

Doula care

Pending
Montana Medicaid doesn't cover doulas yet; a 2025 law allows coverage and doula licensing starts January 1, 2027.We list 17 doulas in Montana.
Doulas in MontanaDoula coverage in every state

Lactation support

Check
We couldn't confirm Montana's Medicaid lactation coverage from an official source. Check with your Medicaid plan.
Lactation consultants in MontanaLactation coverage in every state

Breast pump

Yes
In Montana, Medicaid covers a double electric breast pump through its contracted supplier, Aeroflow, from 28 weeks of pregnancy with a prescription.
Breast pump rules in Montana and every state

What's changing

Rules that affect pregnancy coverage in Montana now and in 2027.

Sources: U.S. Government Publishing Office; Centers for Medicare & Medicaid Services; KFF and Georgetown University Center for Children and Families

More for families in Montana

All 50 states and DC

Questions about pregnancy Medicaid in Montana

What is the income limit for pregnancy Medicaid in Montana?

Montana Medicaid covers pregnancy for household incomes up to 162% of the federal poverty level. At the 2026 guidelines that's about $35,057 a year for a household of two, $44,258 for three and $53,460 for four. Limits are KFF's figures as of January 2026.

Does my unborn baby count in my household size?

Yes. For Medicaid, a pregnant woman's family size counts her plus the number of children she is expected to deliver (42 CFR 435.603(b)). A single pregnant woman expecting one baby is a household of two; expecting twins, a household of three.

How long does Montana Medicaid cover you after birth?

12 months after the pregnancy ends, a rule in place since July 1, 2023.

Can I get covered the same day in Montana?

Yes. Montana uses presumptive eligibility for pregnancy, so a qualified clinic or hospital can enroll you in temporary Medicaid the same day while your full application is processed.

How do I apply for pregnancy Medicaid in Montana?

Apply with Montana Department of Public Health and Human Services at apply.mt.gov. Count yourself plus each baby you're expecting as your household, and compare your income with the limit for that size. We're not the state agency and can't take applications.

Does Montana Medicaid pay for a doula?

Montana Medicaid doesn't cover doulas yet; a 2025 law allows coverage and doula licensing starts January 1, 2027.

Do pregnant women have to meet the new Medicaid work requirements?

Public Law 119-21 (2025) requires states to apply Medicaid work (community engagement) requirements to expansion adults ages 19-64 starting no later than January 1, 2027 (states may start earlier; HHS may grant good-faith exemptions that end by December 31, 2028). People who are pregnant or entitled to postpartum coverage are exempt, as are parents and caretakers of a dependent child 13 or younger.

We're not Montana Department of Public Health and Human Services and can't tell you whether you qualify. Apply at apply.mt.gov for a decision. Spot something out of date? Tell us and we'll check it against the state's own notice.

Sources

  1. 1.Medicaid and CHIP Income Eligibility Limits for Pregnant Women as a Percent of the Federal Poverty Level (as of January 2026) KFF State Health Facts. Accessed October 9, 2026.
  2. 2.Medicaid and CHIP Eligibility, Enrollment, and Renewal Policies as States Prepare for Major Medicaid Policy Changes (Table 2, January 2026) KFF and Georgetown University Center for Children and Families. Accessed October 9, 2026.
  3. 3.Medicaid Postpartum Coverage Extension Tracker (as of July 15, 2026) KFF. Accessed October 9, 2026.
  4. 4.Medicaid and CHIP Eligibility, Enrollment, and Renewal Policies as States Resume Routine Operations Following the Unwinding (Table 7: Presumptive Eligibility, January 2025) KFF and Georgetown University Center for Children and Families. Accessed October 9, 2026.
  5. 5.Montana Medicaid: how to apply Montana Department of Public Health and Human Services. Accessed October 9, 2026.
  6. 6.CMS approval of Montana State Plan Amendment MT-23-0018 (12-month postpartum coverage), effective 2023-07-01 Centers for Medicare & Medicaid Services. Accessed October 9, 2026.
  7. 7.Annual Update of the HHS Poverty Guidelines (91 FR 1797, Jan. 15, 2026) U.S. Department of Health and Human Services (Federal Register). Accessed October 9, 2026.
  8. 8.42 CFR 435.603(b), definition of family size eCFR (National Archives). Accessed October 9, 2026.
Show all 20 sources
  1. 9.Public Law 119-21, sec. 71119: Requirement for States to Establish Medicaid Community Engagement Requirements (adds SSA sec. 1902(xx)) U.S. Government Publishing Office. Accessed October 9, 2026.
  2. 10.SHO #26-001: Implementation of Section 71109 "Alien Medicaid Eligibility" (April 8, 2026) Centers for Medicare & Medicaid Services. Accessed October 9, 2026.
  3. 11.42 CFR 447.56(a)(2)(ii), exemptions from Medicaid cost sharing: pregnancy-related services eCFR / Code of Federal Regulations.
  4. 12.Doula Medicaid Project: state-by-state chart of doula Medicaid efforts (last updated Sep. 2026) National Health Law Program (NHeLP). Accessed October 9, 2026.
  5. 13.MCA 53-6-101, Montana medicaid program: authorization of services Montana Legislature (Montana Code Annotated 2025). Accessed October 9, 2026.
  6. 14.MCA Title 37, Chapter 77, Doulas (Ch. 597, L. 2025) Montana Legislature (Montana Code Annotated 2025). Accessed October 9, 2026.
  7. 15.Montana Doula Program (licensing) Montana Department of Labor & Industry. Accessed October 9, 2026.
  8. 16.Montana Medicaid provider website: 2026 Documents Posted Year to Date (through 10/02/2026) Montana DPHHS. Accessed October 9, 2026.
  9. 17.Medicaid Coverage of Pregnancy-Related Services: Findings from a 2021 State Survey KFF. Accessed October 9, 2026.
  10. 18.Durable Medical Equipment, Prosthetics, Orthotics, and Medical Supplies Manual Montana Department of Public Health and Human Services, Montana Healthcare Programs. Accessed October 9, 2026.
  11. 19.July 2026 DME Services Fee Schedule Montana Department of Public Health and Human Services, Montana Healthcare Programs. Accessed October 9, 2026.
  12. 20.Montana Healthcare Programs Medicaid and HMK Plus Member Guide 2026 Montana Department of Public Health and Human Services. Accessed October 9, 2026.