Find a Plan That Fits Your Needs
Gold Plans are for you if you:
- Have more medical needs than most
- Have a spouse and dependents, or want to expand your family soon
- Prefer to have less out-of-pocket expenses but a higher monthly payment
Silver Plans are for you if you:
- Have regular medical needs
- Want to pay less out-of-pocket for care
- Qualify for a subsidy (premium tax credit)
- Have a spouse and dependents
Bronze Plans are for you if you:
- Have fewer medical needs than most
- Would rather have a low monthly payment
- Don’t take prescription drugs regularly
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 (BCBSMT) health plan benefits. You can find a doctor, review coverage, and set your preferences for how we communicate with you.
What's Included In All BCBSMT Health Plans
Plan Network
Get care from within your plan's network to control your costs.
Essential Services
Wellness, maternity, newborn/pediatric care, ambulance, emergency, hospitalization, labs, prescription drugs, disease management, mental health, substance abuse, and rehabilitative services.
Prescription Drug Coverage
Based on your plan, once you’ve met your deductible, you will either pay a set amount (copay) or a percentage (coinsurance) of your drug costs.
Preventive Care Services
Preventive care can help you avoid future health issues. Getting this care in-network means you won’t pay out-of-pocket costs.
Resources
Select a resource in the list to learn more.
Information About 2023 Rates
Learn about our 2023 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 Estimator
See if you qualify for a subsidy, also known as a premium tax credit (PTC).