Pay Less When You Need Health Care

A gold plan may be for you if you:

  • Have more health care needs than most
  • Have a spouse and/or children on your plan, or want to grow your family soon
  • Prefer to pay more each month but have lower out-of-pocket expenses
Pregnant woman at doctor's office

What's Included in a Gold Plan?

All Blue Cross and Blue Shield of Montana (BCBSMT) gold plans offer the same set of health benefits, quality and amount of care. Your gold plan options are different in how much you’ll pay each month, how much of your health care bill is covered for things like hospital visits and prescriptions, and how much your out-of-pocket costs are: 

  • Gold Plans have a higher monthly premium and often lower out-of-pocket costs than silver and bronze plans 
  • When you visit your primary care doctor, you’ll pay less with a gold plan than you will with silver or bronze plans 
  • Gold plans have the lowest deductible, meaning you’ll have less to pay before your plan starts to cover health care costs 
  • In most cases, gold plans cover 80% of costs, while you cover 20%

Learn even more about gold plan coverage.

Explore Other Metallic Plan Options

Review more metallic plan options to give you and your family the perfect plan for your budget and coverage needs.



Silver plans can offer affordable coverage for yourself and your family.

Review silver plans



Bronze plans offer the lowest monthly payment of the plan levels.

Review bronze plans