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High Deductible Health Plans = Affordability

With HDHP Montana Individual, you can choose either individual coverage or family coverage (more than one individual on the policy).  With family coverage, the entire family deductible must be satisfied before benefits are paid on any one family member.

This plan meets federal requirements to be offered in conjunction with a Health Savings Account (HSA).

For individual coverage, HDHP Montana offers:

  • $2,500 deductible
  • $5,000 deductible

For family coverage, it offers:

  • $5,000 deductible
  • $10,000 deductible

Click on the links below to view benefit details or the Individual Application Form.

 HDHP Individual Outline of Coverage
 Individual Application

Summary of Benefits and Coverage (SBC)

What is a Health Savings Account (HSA)?

A Health Savings Account is a savings product that provides a different way for consumers to pay for their health care. HSAs enable you to pay for current health expenses and save for future qualified medical and retiree health expenses on a tax-free basis.

You must be covered by a High Deductible Health Plan (HDHP) to take advantage of HSAs. An HDHP generally costs less than traditional health care coverage, so the money that you save on insurance can be put into the Health Savings Account.

You own and control the money in your HSA. Decisions on how to spend the money are made by you without relying on a third party or a health insurer. You will also decide what types of investments to make with the money in the account to make it grow.

For more information about an HSA click here.
 

Individual and Family Products 

 

Small and Large Group Products

Compare Business plans and get quotes.
Contact us at 1.800.438.2268;
Email: mktinmont@bcbsmt.com; or 
Contact your local Agent.

 
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