Doctor smiling in hallway

Flexible Group Health Insurance Plans

With Options Designed to Improve Your Bottom Line

Your health care needs are as unique as your business. That’s why Blue Cross and Blue Shield of Montana (BCBSMT) offers health care coverage with a wide variety of options across a range of price levels. We’re here to help you find the plan that’s the right fit for your business, and the right choice for your workforce. Discover how easy BCBSMT makes it for businesses of all sizes to stay under budget and on top of your employee health.

Let’s Take Care of Your Employees’ Health, Together

Choose from a variety of health care plan options that allow you access to our large network of providers and comprehensive benefits. We’re here to help you streamline administration, control costs and meet regulatory requirements. Plus, we’ll help your employees enroll in benefits and maintain a healthy lifestyle to deliver better care for your employees and a better value for your business.

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What are PPO and HMO and POS Group Insurance Plans?

  • PPO, or Preferred Provider Organization, plans usually carry a higher monthly premium while allowing your employees to choose any physician they wish, either inside or outside the BCBSMT network.
  • HMO, or Health Maintenance Organization, plans facilitate coverage through a primary care provider (PCP) from your employee’s choice of physicians within our network.
  • POS, or Point-of-Service, plans are a hybrid of our HMO and PPO plans designed to give your business even more options.

Explore PPO Plans

The BCBSMT PPO network gives you flexible benefit design options at a price you can afford while giving your employees a wide range of benefits and the freedom to visit any doctor they choose.

Blue Preferred PPOSM

Best Fit: 2-50 Employees

Blue Choice PPOSM

Best Fit: 51-150 Employees

Health First PPOSM

Best Fit: 51-150 and 151+ Employees

Blue Dimensions PPOSM

Best Fit: 51-150 and 151+ Employees

Explore HMO Plans

The HMO network provides basic care and prescription medication coverage while coordinating with our care specialists for any necessary referrals. Your employees have a choice of Primary Care Providers from a large network of contracting HMO physicians and medical groups.

Blue Select HMOSM

Best Fit: 51-150

Comprehensive Major Medical

Best Fit: 51-150 and 151+ Employees

Explore POS Plans

Point of Service plans use a certain network of select doctors and hospitals, called your POS provider network. BCBSMT POS plans have lower premiums while still providing your employees with options for choosing health care providers and additional choices that give them more flexibility when they need care.

Blue Options POSSM

Best Fit: 151+ Employees

Blue Options helps you control your care and expenses with lower out-of-pocket costs for in-network doctors and hospitals, and the choice to use providers in the larger PPO network at a higher cost. The Blue Options POS plan delivers an expected 6% savings over our leading Blue Preferred PPO.

Big Sky Select POSSM

Best Fit: 51-150 and 151+ Employees

BCBSMT Supports Your Business

Health care benefits are a crucial part of recruiting new employees and retaining your existing workforce. That’s why BCBSMT provides you with the tools, resources, and professional health care expertise you need to maintain the health, productivity, and satisfaction of the employees who help your business thrive.

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