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After You Enroll

Now that you're enrolled in your Blue Medicare Supplement Insurance Plan, find out what's covered, how we stay in touch with you, how to check your member ID card and how to make a payment.

Outline of Coverage

Your outline of coverage details benefits of your plan. It shows you what you pay for your plan, what Medicare pays for, and what your plan covers that Medicare does not. Your outline of coverage also provides details on renewing your policy, what benefits are excluded and coverage limitations.

Staying in Touch With You

During the year we'll send updates about your plan. Be sure to review these letters since they impact how much you pay for the plan, how much Medicare covers, and how much your plan covers.

  • Rate Change Mailing: If Blue Cross and Blue Shield of Montana changes your monthly premium, we'll let you know in advance with a letter showing your new premium.
  • CMS Deductible Change Benefit Mailings: Each year, the Centers for Medicare & Medicaid Services (CMS) changes coinsurance, copayments, and deductibles that Medicare covers. We'll let you know what those changes are.
  • Creditable Cover Letter: Creditable coverage means that you have a health care plan that meets a minimum set of criteria. Each year you'll receive a letter confirming that your plan meets the criteria. If you want to change your plan, you'll need to show this letter when selecting a new plan.
  • Explanation of Benefits (EOB): You will receive a statement called the Explanation of Benefits. This statement is not a bill. It simply details what you have paid and indicates the level of benefits you've used. Review these to be sure they are correct. If you think there are errors, call customer service. If you think you are the victim of fraud, report it immediately.

Check Your ID Card

Please note: You can start using your benefits on your effective date, even if your ID card has not yet arrived in the mail. If something is wrong with your ID card, please let us know. If you have a problem with or need to order a new ID card, call Blue Medicare Supplement Insurance Customer Service at 1-855-520-1577. We're open from 8:00 a.m. – 6:00 p.m., CT, Monday through Friday.

Make a Payment

We offer three ways to pay your premium. Depending on which method you choose, you may or may not receive a printed bill.

  • Direct Billing: You will receive a premium bill in the mail, and you may pay by check. Notices are mailed on the 14th of each month with a due date of the first of the next month. For example, your June 14 bill will be due July 1.
  • Automatic Premium Payment Program: Your premium is withdrawn automatically from your checking or savings account on the 3rd of the month the premium is due. Choose this payment option on the agreement form. Print and complete the agreement form, then mail it as instructed.
  • Pay Online One-Time Payment Method: Visit our online payment portal to make a quick and easy one-time payment for your premium. Make a Payment.


Pay Online Through BAM™: Log into your Blue Access for Members (BAM) account to schedule your premium payments online. Make payments or schedule payments through BAM by:

  1.  Logging in to BAM.
  2. Click “Make a Payment” to Single Sign On (SSO) into the Member Payment Portal and make payments using your saved bank accounts.
  3. You can set up and save wallets as well through the Member Payment Portal for easier one-time payments.

You can change your billing option at any time. Call Blue Medicare Supplement Insurance Customer Service at 1-855-520-1577. We are open 8:00 a.m. – 6:00 p.m., CT, Monday through Friday.

Premium Discounts

A BCBSMT Medicare Supplement premium discount may be available. Eligibility criteria are described below. If you are eligible for a discount, the discount will be applied to your next bill and remain in effect as long as you are enrolled in your Blue Cross and Blue Shield of Montana Medicare Supplement plan. Discounts cannot be combined. Only one type of discount per member is permitted.

Continue with BlueSM Discount

You may be eligible for a Continue with Blue discount if you were enrolled in a Blue Cross and Blue Shield commercial group or individual health insurance coverage plan and that coverage was within one year of your BCBSMT Medicare Supplement policy becoming effective. This applies to BCBSMT Medicare Supplement policies issued with an effective date on or after May 1, 2023. There cannot be a gap in coverage greater than 12 months from the date of when your commercial or individual membership ended to when your Medicare Supplement policy started. The discount is 7%.

Spousal/Partner Discount

You may be eligible for a Spousal/Partner Discount if you enrolled in a BCBSMT Medicare Supplement policy issued with an effective date on or after May 1, 2022. You must reside with a spouse or domestic partner. The discount is 10%.

Blue Family DiscountSM

You may be eligible for a Blue Family Discount if you enrolled in a BCBSMT Medicare Supplement policy issued with an effective date on or after May 1, 2024 and you meet the criteria for both the Spousal/Partner Discount AND the Continue with Blue Discount. The discount is 12%.

To apply for the Blue Family Discount, Continue With Blue, or Spousal/Partner Discount

Call the number on the back of your member ID card to speak to a Customer Advocate. Once your eligibility is confirmed, the discount will show up on the next billing cycle.

  • The discount will not be retroactive.
  • For the Blue Family Discount and Continue with Blue Discount, be prepared to provide your previous commercial or individual member ID.

Medicare Supplement Forms

Below are some forms you may have to fill out while you're a member.

  • Automatic Premium Payment Program Authorization Agreement
  • Protected Health Information (PHI)

Preventing Fraud

Health care fraud can be reduced or even prevented through awareness. Blue Cross and Blue Shield of Montana (BCBSMT) is committed to finding and stopping health care fraud, waste and abuse through its Special Investigations Department. This department is there to protect you and your plan. However, BCBSMT needs your help to find and prevent health care fraud.

There are things you can do to help find and prevent health care fraud. Review our fighting fraud checklist.

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