Programs

Member Owned. Member Driven.
MMIA – We ARE You

Self-Funded Coverage

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. The MMIA is a local government entity, not an insurance company.

Employee Benefits

The MMIA Employee Benefits self-funded pool covers the employees, retirees and families of 85 Montana cities and towns. Participants' monthly premiums and the cities’ and towns’ contributions go into a pool that is used to pay 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.

Liability

The MMIA Liability self-funded pool covers 125 Montana cities and towns. Members' annual assessments go into a pool that is used to pay for liability claims. An invaluable part of the program is the Liability/Property Claims Unit that adjusts all liability claims brought against participating member cities and towns.

Property

The MMIA Property self-funded pool covers 114 Montana cities and towns. Members' annual assessments go into a pool that is used to pay property claims. An invaluable part of the program is the Liability/Property Claims Unit that adjusts all property claims of participating member cities and towns.

Workers' Compensation

The MMIA Workers' Compensation self-funded pool covers 108 Montana cities and towns. Members' quarterly assessments go into a pool that is used to pay workers' compensation claims. An invaluable part of the program is the Workers' Compensation Claims Unit that manages all workers' compensation claims for participating member cities and towns.

Our Team

MMIA employs highly trained professionals so we can help. Whether you are looking for any one of our great coverages, training opportunities, or support, we are here for you.

Incredible Service

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Employee Benefits Total Covered Lives

Total covered lives in the Employee Benefits program includes city/town employees, spouses, dependents, and retirees.

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Liability Claim Audit Score

MMIA utilizes independent auditors to review our claim handling practices. The liability/property adjusting team scored a 99%, an outstanding rating!

$Billion

Property Program Total Insured Value

Total Insured Value for the MMIA property program represents all real and personal property, vehicles and mobile equipment of participating members.

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Workers' Compensation Claim Audit Score

MMIA utilizes independent auditors to review our claim handling practices. The workers' compensation examining team scored a 96%, an outstanding rating!