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
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
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
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
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
Employee Benefits Total Covered Lives
Total covered lives in the Employee Benefits program includes city/town employees, spouses, dependents, and retirees.
Liability Adjuster Experience
MMIA has knowledgeable and experienced Claim Staff! The Liability Program has over 100 years of combined adjuster experience.
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.
Workers' Compensation Claim Handling
Each and every claim is assigned to and managed by a human, not an automated claim system. MMIA has knowledgeable, experienced, certified workers’ compensation claim staff with unique insight into municipal operations.