Individual & Family:
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
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%
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.
Frequently Asked Questions
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What are my Gold plan options?
There are 4 Gold level plans you might be able to choose from:
- Blue Preferred PPOSM offers 2 Gold plans.
Blue Preferred plans are available to Montana residents throughout the state. These plans include a network of 65+ hospitals and over 11,000 doctors.
- Blue Focus POSSM offers 2 Gold plans.
Blue Focus POS plans are offered in Carbon, Cascade, Gallatin, Lake, Lewis and Clark, Missoula, Musselshell, Stillwater, Sweetgrass and Yellowstone Counties. You’ll have access to a network of over 4,000 providers and may have lower monthly costs than a PPO plan.
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How can I find different plans and how much they cost?
When you’re looking for a new health plan, you’ll normally be able to find all available plans and their monthly bill on the shopping platform you’re using. The plans you can enroll in are determined by your ZIP code.
With BCBSMT, you can find available plans and their costs by adding your information, like name and ZIP code, to the online shopping platform.
Understand other health plan costs, like deductibles and premiums, and how they work together
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Am I able to change my health plan?
There are two “seasons” for Individual and Family health insurance, each with different guidelines for enrolling in a new health plan.
Open Enrollment Period: During Open Enrollment, you’re free to pick a new Individual and Family plan. You don’t have to go through any life changes like you do during Special Enrollment. Open Enrollment starts November 1st and typically lasts just over 2 months, ending January 15th.
Special Enrollment Period: During Special Enrollment, you can choose a new health plan if you’ve gone through certain life changes that affect your coverage. Some of the more common events are losing or changing jobs, getting married, having or adopting a child or moving. Learn more about the Special Enrollment period.
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How can I find my health plan’s benefits?
Most of your plan’s benefits can be found in your Summary of Benefits. There, you’ll find a brief breakdown of your plan’s costs, covered services, benefits, and more.
As a BCBSMT member, you’ll have more than just the benefits covered in your plan – you’ll get savings on health and wellness costs with Blue365®, guidance for your health journey through the Well OnTarget® portal and more.