Coverage That Fits Just Right

Gold

Gold Plans are for you if you:

  • Have more medical needs than most, like a chronic health condition
  • Have a spouse and children on your plan, or want to grow your family soon
  • Prefer to have lower out-of-pocket costs but a higher monthly bill
Silver

Silver Plans are for you if you:

  • Have regular medical needs, like 1 or 2 visits to the doctor each year
  • Want to pay less out-of-pocket when you get medical care
  • Have a spouse and dependents on your plan
Bronze

Bronze Plans are for you if you:

  • Don’t currently take prescription drugs or have health concerns
  • Want to keep your monthly payment low
  • Will be the only member on your plan
Illustration of forms, a calendar and a prescription bottle

Losing Your Medicaid Plan?

If you're not eligible for Medicaid anymore, find a 2024 Individual and Family plan during Open Enrollment. We can help you choose coverage that continues to meet your health and budget needs.

If you're 64+ and no longer eligible for Medicaid, you may be able to enroll in a Medicare plan.

Manage Your Health Plan All in One Place

Blue Access for MembersSM is a powerful tool for managing your Blue Cross and Blue Shield of Montana health plan benefits. You can opt in to receive your mail digitally, find a doctor and review your coverage. Download the BCBSMT app to get started.

Cute couple looking at mobile phone

Why Choose BCBSMT?

Icon of a Hospital

Large Networks Near You

BCBSMT has large provider networks that spans the state of Montana. Choosing an in-network provider for preventive care, like annual check-ups and some screenings, means you’ll avoid out-of-pocket costs.

Icon of a feale doctor

Essential Benefits Always Covered

The following care will always be covered by your plan: wellness, maternity, newborn/pediatric care, ambulance transport, emergency, hospitalization, lab services, prescription drugs, disease management, mental health, substance use, and rehabilitative services.

Icon of a stethescope with a $

Levels of Costs and Care

We have different plan levels at different costs to best meet your health and budget needs. With our most affordable Bronze level plans, balanced Silver plans and highest coverage Gold plans, you can stay covered how you want.

Icon of a clipboard with RX at the top

Prescription, Vision and Dental

Living a healthy life means taking care of every health care need – as a member of BCBSMT, you’ll have coverage options to help with your prescription drug, vision care and dental care costs. 

Resources

Select a resource in the list to learn more.

Information About Rates

Learn about our health plan rates, why they may change and what it could mean for your health plan rate in the coming year.

Application Tracker

Follow your application’s progress after applying.

Premium Tax Credit

See if you qualify for a subsidy, also known as a premium tax credit (PTC).

How to Contact Us

Have questions? We can help whether you're shopping for a plan or need to understand your plan.

Doctor and Hospital Finder

Check to see if your doctor and hospital are in-network.