hi i have a house in Montenegro since 2006 and have retired a few years ago and i am spending more time in Montenegro but lately i am having the police at passport control questioning the time i am spending in Montenegro and they are saying i should have a visa as i am going over 90 days in total ,i travel in and out of the country to Croatia and Bosnia a lot on day trips .I am strongly considering getting a tempory residence and i checked the requirements and one of them is that you must have health insurance from a Montenegrin insurance company ,do any expats have any information on this that would be helpful?