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INDIVIDUAL & FAMILY

Gold Health Care Level

Explore Blue Cross and Blue Shield of Montana's Gold level plans. Get the most value when your family needs health care.

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Your Gold Standard of Coverage in Montana

Each plan level is 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.

With Gold level plans, you can expect:

  • Deductibles starting at $750
  • BCBSMT to cover 80% of health care costs while you pay 20%
  • A higher monthly premium for lower out-of-pocket costs when you need care 
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GOLD LEVEL COVERAGE

Is a Higher Level of Coverage Right For You?

Gold level plans offer additional coverage when you or your family need it. Consider a Gold plan if you’re planning to use your coverage more than average for things like: 

  • Chronic health conditions 
  • Multiple long-term prescription medicines  
  • Pregnancy and post-natal care 

GOLD LEVEL PLANS

Your Gold Level Plan Options

  Blue Preferred PPOSM Blue Focus POSSM
Where this plan's offered: Carbon, Cascade, Flathead, Gallatin, Lake,
Lewis and Clark, Missoula, Musselshell, Stillwater,
Sweetgrass or Yellowstone county

Statewide for all Montana residents

Deductible:  $750 – $1500 $250 – $1500
Primary care copay:

 

$10 – $30 20% of your visit or $30
Coinsurance:  25% – 30% 25% – 40%
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IN-NETWORK CARE

Understand Gold Level Plan Networks 

Did you know each plan has its own network? Use our Find Care tool to explore the Gold plan networks. Choose to search as a guest, enter your ZIP code and select the plan to see its in-network care options.

 

ENROLL

Ready to Shop?

Knowing your options is the first step to enrolling. Start shopping to find more plan details and learn if you qualify for premium tax credit savings. 

More plan options

Explore the Other Metallic Levels

If you’re not sure Gold level plans are a fit for you and your family, learn about our other metallic levels.

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Silver plans

Silver level plans offer you a balance between your costs and coverage. 

Understand Silver plans
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Bronze plans

These are lower-cost options if you’re not planning to need much care.

Understand Bronze plans

CONTACT US

Get Help

Need help choosing? Have questions? Our health plan specialists are on-call to give you answers.

FAQs

Understand Gold Level Plans