2019 Individual and Family Health Insurance Plans

Blue Cross and Blue Shield of Montana (BCBSMT) has been around for 75 years. We stand by our members as one of the most experienced health care coverage companies in Montana. Whether you live in Billings, Helena or any other city, we have you covered.

View Plans and Pricing

See the Individual Health Plans and Family Health Plans in your area.


Plan Levels

We have three levels of health care plans available for 2019 – bronze, silver and gold.

All of our plans provide essential health benefits. But, out-of-pocket costs for these benefits may vary by plan.

Bronze Plans

Lowest premium costs

Higher out-of-pocket costs when you receive care

60%
40%
Compare Bronze Plans

Silver Plans

Higher premium costs than Bronze plans

Lower out-of-pocket costs than Bronze plans

70%
30%
Compare Silver Plans

Gold Plans

Higher premium costs than Silver plans

Lower out-of pocket costs than Silver plans

80%
20%
Compare Gold Plans

Our plan brochure can help you make decisions about our health plans in Montana.

Plan Networks

Health plans, like PPOs and POS, use certain groups of doctors, hospitals and other health care professionals. These are known as networks. The health care providers in each network offer a full range of covered services.

Before you choose a health plan, you may want to check if your doctor or hospital is in the network. We have networks in Billings, Helena and all around Montana.

If you visit a doctor outside of your network, you may have to pay more for your care. In some cases, you may have to pay the whole bill.

  Blue Focus POSSM Blue Preferred PPOSM
Premium May have lower monthly premiums than Blue Preferred PPOSM. May have higher monthly premiums than Blue Focus POSSM.
Available Plan Levels
  • Bronze
  • Silver
  • Gold
  • Bronze
  • Silver
  • Gold
Is My Doctor in This Network? Find an in-network doctor

BCBSMT Plans VS. Short-Term Plans

While you may have heard about short-term plans (also known as temporary plans), they may not provide many of the benefits our health plans provide. Here are some of the main coverage differences between the two:

Plan Features BCBSMT Plans Short-Term Plans1
Pre-existing conditions May not cover
Preventive services May not cover
Prescription drugs May not cover
Maternity care May not cover
Mental health services May not cover


To make sure you are covered, shop for a BCBSMT plan before Open Enrollment (OE) ends on Dec. 15.

Want to speak with someone? We’re only a phone call away. A licensed sales agent can help make sure you have the right plan with the right coverage.

Financial Assistance

You may be able to get help paying for health care coverage costs. This assistance is based on your income and family size:

  • Pay less on your monthly premium bill with a subsidy, also known as premium tax credit (PTC).
  • Spend less on out-of-pocket costs, like deductibles, copayments, coinsurance and prescriptions, with a cost-sharing reduction (CSR) on a silver level plan.

We Can Help You Find a Health Plan

We're here to assist you! Select how we can help you get a 2019 health plan for yourself or family.

BCBSMT Health Coverage Features

Here are a few key things to know about your Individual Health Plan or Family Health Plan:

Essential Health Benefits

All of our PPO and POS health plans in Montana cover these essential health benefits and services:

  • Ambulatory patient services
  • Emergency
  • Hospitalization
  • Maternity and newborn care
  • Mental health disorders
  • Substance use disorders
  • Prescription drugs
  • Rehabilitative devices
  • Laboratory services
  • Preventive and wellness
  • Chronic disease management
  • Pediatric services

Preventive Care Services

Staying in touch with your doctor can help you focus on staying your healthiest. With the Affordable Care Act (ACA), most health insurance plans must cover a range of preventive care services with no in-network, out-of-pocket costs. These services are certain screenings, immunizations, and other types of care, like:

  • Blood pressure, diabetes and cholesterol tests
  • Cancer tests, such as mammograms and colonoscopies
  • Help to stop smoking, lose weight or fight depression

You may pay more for your care if you visit a doctor outside of your network. You can find in-network doctors and hospitals using our online Provider Finder®.

See all covered Preventive Care Services

24/7 Non-Emergency Support

Here are three ways you can find and get non-emergency care 24 hours a day, seven days a week:

Prescription Drug Coverage

You may get help with paying for your prescription drugs. Based on your health plan, you may either pay a set amount (copayment) or a percentage (coinsurance) of your drug costs. Check your prescription plan for your costs.

Your prescription drug coverage has:

  • A broad pharmacy network
  • Mail order
  • Online tools for handling your prescriptions
  • A drug list
  • Other pharmacy benefits (based on your plan)

View Plans and Pricing

See the Individual Health Plans and Family Health Plans in your area.


  1. Analysis: Most Short-Term Health Plans Don't Cover Drug Treatment or Prescription Drugs, and None Cover Maternity Care Learn more about third-party links KFF (Henry J. Kaiser Family Foundation); What to Know Before You Buy Short-Term Health Insurance Learn more about third-party links , The New York Times

  2. Internet/Wi-Fi connection is needed for computer access. Data charges may apply. Check your cellular data or internet service provider’s plan for details. Non-emergency medical service in Idaho, Montana and New Mexico is limited to interactive audio/video (video only), along with the ability to prescribe. Non-emergency medical service in Arkansas is limited to interactive audio/video (video only) for initial consultation, along with the ability to prescribe. Behavioral Health service is limited to interactive audio/video (video only), along with the ability to prescribe in all states. Service availability depends on location at the time of consultation.

    Virtual Visits, Powered by MDLIVE may not be available on all plans. Virtual Visits are subject to the terms and conditions of your benefit plan, including benefits, limitations, and exclusions. MDLIVE operates subject to state regulations and may not be available in certain states. MDLIVE is not an insurance product nor a prescription fulfillment warehouse. MDLIVE does not guarantee that a prescription will be written. MDLIVE does not prescribe DEA-controlled substances, non-therapeutic drugs and certain other drugs that may be harmful because of their potential for abuse. MDLIVE physicians reserve the right to deny care for potential misuse of services.

    MDLIVE operates and administers the virtual visit program and is solely responsible for its operations and that of its contracted providers. MDLIVE and the MDLIVE logo are registered trademarks of MDLIVE, Inc. and may not be used without written permission.

    Blue Cross®, Blue Shield® and the Cross and Shield Symbols are registered service marks of the Blue Cross and Blue Shield Association, an association of independent Blue Cross and Blue Shield Plans.