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INSURANCE BASICS

Making Your Health Insurance Work For You

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Having new health care coverage means more than just "having insurance." Our members know how to make their health care plan work for them, and you can, too!

Here's some insight on keeping your costs down now that you chose Blue Cross and Blue Shield of Montana. Learn why staying in-network is important, explore programs that can help you save and more.

SAVINGS

How Your Plan Works to Help You Save

Your coverage is set up to help cover health care costs. Planning ahead can help you save money when it comes to doctor visits and care needs. Take full advantage of your coverage with these helpful tips:

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Stay in-network

Getting care from your plan's network of covered providers and hospitals means your plan will cover more of the cost.

Find in-network care
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Understand health insurance costs

Premiums, deductibles, copays, coinsurance — learn what these common health insurance costs are and how they work together.

Understand costs
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Choose in-network pharmacies

If you visit an in-network pharmacy, you'll likely be able to save on your prescription drug costs.

Explore prescription savings

Review the Utilization Management program

The Utilization Management program helps you manage chronic or complex conditions through access to affordable, quality care.

Learn more
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Know what's covered

Before getting care, make sure it's covered by your plan. Log in to Blue Access for Members℠ to review your benefits.

Log In
 

Care Options

Know Where to Get Care With Your Plan

You can help control your health care costs while at home or during travels. Know some ways to keep costs down whenever you need care.