Frequently Asked Questions

Get Answers To Our Most Frequently Asked Questions

  • I Have a Question About Membership.

    How can I learn more about my benefits?

    Log in to Blue Access for MembersSM 24/7 to access your benefits information or call Customer Service at the number listed on your Blue Cross and Blue Shield of Montana (BCBSMT) member ID card.

    Are my medical records kept private? 

    Yes. We are committed to protecting your medical records, and have strict rules to make sure our staff and anyone who needs to see your records keep all your member information confidential. Your medical records or claims details may have to be reviewed. If so, precautions are taken to keep your information safe. In many cases your identity, such as name and address, will not be included in the information provided during the review.

    Learn more:

    When will I get my member ID cards, and how many will I get?

    You should get your member ID cards in the mail soon after your application is approved. Individual and family PPO members will receive no more than 2 member ID cards. Please note that all member ID cards will carry only the subscriber name but can be used by all dependents enrolled under the policy. HMO Individual and family plans will get a card for each member enrolled.

    You can print a temporary ID card and request additional cards through your Blue Access for Members (BAM)SM  account. You will need your member identification number and group number to log in to Blue Access for Members (BAM).

    Learn more:

    I received my member ID cards but they only have my name on them and not my spouse's. Can I get another ID card with their name on it?

    Your member ID cards will only have the primary subscriber's name on them, but they can be used by all the dependents (in this case your spouse) enrolled under your policy.

    Learn more:

    Member ID Cards Explained

    How do I get a replacement  ID card?

    Don’t worry if your ID card is lost or misplaced.  We know this happens, so we’re ready to help.  Find out more about your card and how to replace it.

    Learn more:

    How do I Use My Digital Member ID Card?  

    Your trusty smartphone now safely stores your health information. Your mobile phone/device can:   

    •  Find insurance benefits 
    • Use favorite payment methods 
    • View your digital ID member card 

    Learn more:

    Digital Member ID Cards Explained

    Where do I find my plan’s mobile app? 

    Go digital and download the BCBSMT Mobile App now. The BCBSMT App is available for iPhone and Android users. To get the BCBSMT App, text* BCBSMTAPP to 33633 or search for BCBSMT in the iTunes App Store leaving site icon or Google Play.leaving site icon

    Get all the access and information you need right at your fingertips, learn more about the BCBSMT App.

    Learn more:

    Go Digital with the BCBS Mobile App

    When will I get benefit coverage information and the contract on the plan I selected?  

    Within days of your application being accepted, you will receive a welcome letter from BCBSIL that includes your member identification number and group number. This information can be used by providers and pharmacies to verify your coverage until you get your member ID card. Your ID card will be sent separately soon after.  

     Your policy information is available through your Blue Access for MembersSM account once your plan is in effect. 

    How do I change my personal information?  

    Moving? Expecting a new arrival? When your life changes, let us help.  Find out more about making a seamless transition. 

    How do I change my communication messages?  

    Blue Access Members can choose how you receive communications from Blue Cross and Blue Shield. To make changes, go to your communication preferences page

    Learn more:

    How do I update my communications preferences?

     When I try to register for Blue Access for MembersSM, I get a message telling me it's not available. When will it be available for me to register? 

    You may have received this error message during your registration for a number of reasons. Many times, the information you entered may not have matched the data in our system. Please remember to have your group and member ID numbers handy when you register. Both of these numbers can be found on your welcome letter and your member ID card.  Register now.

    I have some additional questions about my Health Care Benefits

    Learn more:

    Benefits advisor helps you navigate healthcare


  • I Have a Question About Buying Health Insurance.

    How do I choose the best health care coverage for my needs? 

    All our health plans will cover your essential health benefits and services. That said, you’ll want to find the one best suited to you and your family’s needs. Learn more about your choices and how to make your best decision.  

    What should I ask when choosing a plan?  

    Getting the best answers starts with asking the right questions. You’ll want to know what you need to know before making your decisions.  Find out more about how to go about seeking the best plan for you. 

    How does open enrollment work?  

    Taking advantage of open enrollment requires planning in advance.  We can help you make your list, check it twice and be ready when the time comes to act.  Learn more about how this works. 

    Learn more: 

    I missed the open enrollment deadline. Can I still buy health coverage?  

    In most cases, you can only sign up for a health insurance plan during the open enrollment period. If you missed open enrollment, you may be able to enroll during the special enrollment period. To be eligible, you must have had a qualifying "life event" within the past 60 days. Learn more about special enrollment.

  • I Have a Question About Updating My Health Plan Account.

    I bought my health plan on the Health Insurance Marketplace. How can I make changes to that account or profile?  

    This Contact Guide has the phone numbers and instructions you’ll need. Find the change you’d like to make, then learn where to get started. 

    Learn more:

    Contact BCBSMT

  • I Have a Question About Payments.

    I received a letter from Equian saying they have partnered with BCBSMT to investigate my medical claim. Should I respond to the letter? 

    BCBSMT and Equian have partnered to review the medical claim listed on your letter to determine if another person or insurance company should be responsible for the claim. The claim we are investigating may be for treatment you received from an injury experienced at work or from an auto accident.

    The information could help to get back money that should be paid by someone else, like another insurance carrier. This is one of several tools used by BCBSMT to help control rising costs of health care. Call the number on the letter to answer the claim question.

    What are my options to pay my premium? 


  • I Have a Question About Logging in to Blue Access for Members.

    Problems Logging In?

    If you’re having trouble getting online access to your account using Blue Access for MembersSM, these Frequently Asked Questions may help you troubleshoot.

    What should I do if I get a login error that says my password is not recognized?

    First, click the eyeball icon after typing in your password to make sure you’ve entered it correctly.

    If you still get an error message, this is a quick and easy way to reset your password:

    1. Click Forgot Password.
    2. Enter your username. (See below if you get a username error.)
    3. Choose whether you want a one-time verification code sent by email or text message. (The code will be sent to the email or mobile phone number tied to your account.)
    4. Click Send Code.
    5. Enter the 6-digit verification code you receive and follow the directions to reset your password.
    6. When choosing a new password, keep in mind these rules…

    Password must have:

    • 8-40 characters
    • An uppercase letter and a lowercase letter
    • A number
    • A special character, like ~ ! @ # $ % ^ & * ( ) [ { }

    Password can't have:

    • More than two sequential or repeating characters, like 123, ABC, CBA, 111 or AAA
    • Abbreviations for months or days, like Jan, Feb, Mon, or Tue
    • Restricted terms, like Appl, Asdf, Basic, Cadam, Demo, Focus, Game, Net, New, Pas, Ros, Sign, Sys, Tso, Valid, Vtam, Log
    • Your first or last name, or username
    • The same exact characters as any of your last 24 passwords

    Once your password has been reset, try again to log in to Blue Access for Members.

    I keep asking for the code to reset my password, but I don’t see it in my email or text messages. What can be causing this?

    • Wait a few minutes when you request a code.
    • If getting it by email, check your spam folder.
    • If you are still not getting the verification code, it may be that the email address or mobile number tied to your account was not entered correctly when you signed up for your account.
    • You may be using a different email than you used when you set up your account.
    • If you have changed your mobile number recently, it may not have been updated in your account records.

    You can call the customer service number listed on the back of your Blue Cross and Blue Shield of Montana (BCBSMT) member ID card to make sure the right email and mobile number is linked to your account or to change your contact preferences. Or you can use our online form to update your preferences using your member ID number.

    What should I do if I get an error message when I enter my username?

    If you are unsure that your username is correct or don’t remember it, you can get your username using these easy steps:

    1. Click on Forgot Username.
    2. You’ll be prompted to enter the email linked to your account so we can send you the right username. The email address must be linked to your account. If not, you will get an error message and won’t be able to continue.
    3. The email will come from and provide the username listed for your account. If you don’t see an email after a few minutes, check your spam folder.
    4. Use the exact username provided in the email to log in to your account.

    What if I forget my username?

    You can use the same steps above to have your username sent to you.

    Why am I being asked to get a one-time passcode?

    Because your account includes private health and financial information, we pledge to keep your account information safe. This passcode is a security feature we’ve added to protect your account from hackers, malicious actors and cyber threats. It is an extra step, and that can be annoying. But you will have the option to check a box when entering the one-time verification code that will allow you to skip the verification steps on that device for 30 days.

    I already registered with the Shopping Cart. Why aren't my username and password working when I try to log in to Blue Access for Members?

    Our “Shop Plans and Prices” site is a tool used to pick a plan and enroll. For security reasons, it isn't part of our member accounts system. That means you’ll need to sign up for Blue Access for Members at, as well – even if you use the same username and password.

    The link I saved and use to access my Blue Access for Members account is not working. What should I do?

    We've updated Blue Access for Members to give you a better experience, so the website address you saved may have changed. To access the new Blue Access for Members website, go to and click Sign Up or Log In within the Member Login window on the top right of the webpage. You can save the new Blue Access for Members link, but don’t forget to delete the old one.

    How do I create an account as a legal guardian?

    Go to and click Sign Up or Log In and follow these simple steps:

    1. Enter information about the policyholder (the person you are guardian of): first and last name, date of birth and the BCBSMT member ID number listed on their member ID card or on their welcome letter.
    2. Check the legal guardian checkbox.
    3. Enter your information as legal guardian.
    4. Click Continue.
    5. Enter an email address, username and password.
    6. Click Create Account.
    7. When you get an email from, click the link to verify your account and complete your legal guardian account setup.

    Still Need Help Logging In?

    For technical questions about the Blue Access for MembersSM website:

    Internet Help Desk

    TTY, dial 711

    24 hours a day, 7 days a week

  • I Have a Question About My HMO.

    What is an HMO? How is it different from other health care plans?  

     A Health Maintenance Organization (HMO) is a type of health plan that gives you access to certain doctors and hospitals that have contracted with the HMO, often called a provider network or just network.  

    Learn more: 

    HMO Tips

    What types of doctors can be a Primary Care Provider (PCP)?  

    The following doctors can be selected as a PCP:  

    • Family medicine doctor  
    • OB/GYN  
    • Pediatrician  
    • Internal medicine doctor  


    How do I select a PCP?  

    Use our Provider Finder® online directory to find a PCP in the HMO network who best fits your needs. Be sure the doctor you select is accepting new patients. It's easy to use the Provider Finder by registering for Blue Access for Members SM (BAMSM):  

    Learn more: 

    What happens if I don't select a PCP?  

    You must have a primary care provider assigned. If you don't select your own, we will assign one to you.  

    Learn more:

    How do I change my PCP?

    Do I need a referral to see a specialist?  

    Yes. However, if the specialist is not in your plan's network, in most cases, you may have to pay for services that are considered out-of-network.  

    Learn more: 

    How the HMO referral process works

    Can I continue to see my current doctor when I join the HMO plan?  

    Yes, if your current doctor is a part of the HMO’s network. If your doctor is not in the network, you will need to select a new primary care physician (PCP). To make sure a provider is in the HMO network, search  Provider Finder.  

    How do I find out if a doctor is in my network?  

    Search for an in-network doctor under your plan on our Provider Finder tool. Also:   

    Do I have coverage if I am traveling?   

    In an emergency, go directly to the nearest hospital. For non-emergencies, some HMO plans allow you to get health care services from a Blue Cross and Blue Shield-affiliated doctor or hospital when you are traveling outside of Montana. Your current BCBSIL member ID card contains helpful information for accessing health care at home or away. 

    If you or a covered family member will be temporarily living outside Montana for 90 days or more, you may be eligible for guest membership in a Blue Cross and Blue Shield-affiliated HMO. 

    Learn more: 

    What if I'm already in treatment when I enroll and my provider isn't in the network?   

    We'll work with you to provide coverage for the most appropriate care for your medical situation, especially if you are pregnant or receiving treatment for a serious illness. You may still be able to see your current provider for a brief time. Call us at the customer service number listed on your BCBSIL member ID card for more information.  

    Does my plan cover prescriptions?  

    Your BCBSMT HMO benefits also cover prescription drugs. Not all drugs are covered. You can visit our website to view the list of prescriptions your plan covers. This list is called a preferred drug list. To look for your medicines, you will need to know:  


    • The medicine's exact name  
    • The dose you take  
    • How many pills your doctor often prescribes for you  

    While costs can vary depending on your benefit plan, you usually pay less for generic drugs and more for brand name drugs. Your plan may cover some of the costs of drugs not on your preferred drug list. You can learn more by looking in your benefit book, or calling the customer service number listed on your member ID card.   

    Can I save money using preferred pharmacies?  

    If your plan offers a preferred pharmacy, save money by filling prescriptions at these places. Subscribers pay less for a 90-day supply of covered medicines in the store or by home delivery.   

    • Go to to find a preferred drugstore.  
    • To filter your Pharmacy Search results, type in your city, state, or zip codes to find in-network pharmacies.  
    • You may also search without logging in.  



    Learn more: 

    Value Pharmacy Updates

  • I Have Questions About Handling Claims.

    How do I submit a claim?  

    Usually, your health care provider will submit a claim on your behalf. If your health care provider does not submit the claim for you, you can follow some easy steps to file yourself.   Contact the number on the back of your card to find out how.

    How do I appeal a claim that is not approved?  

    You always have the right to appeal a denied claim.  And you’re entitled to know why your claim was turned down.  Learn more about how this works.   

    Why was my claim not approved?

    Why has my claim been denied?  

    This can be frustrating.  But learning why this happened is the first step to giving yourself another chance to file your claim.  Learn more about this process.    

    What is an Explanation of Benefits? 

    When you go to your doctor and pay your copay – you’ll get an Explanation of Benefits (EOB) after your claim is done. An EOB shows expenses from your health care provider and how the claim was processed. Charges vary according to what your plan covers and what services you receive.

    Learn more: 

    What is an EOB?

    What is Coordination of Benefits?  

    If you’re covered by two health plans, your doctor may file a claim for both. Insurance companies decide which plan covers what costs. This is called Coordination of Benefits.  

    For more details, call the customer service number on your member ID card.  

    Learn more: 

    What is Coordination of Benefits?

  • I Have Questions About Finding Care.

    Where do I go when I need care?  

    Be prepared. Learn your options before you find yourself in need of medical care, You may not know when you’ll need care but you’ll know where to go when the need arises. Find out more about the different resources available.  

    How should I go about finding a doctor?  

    Don’t wait until you are sick to find a personal doctor. You’ll want the practice best suited to you and your family’s needs.  Get started with some expert advice.  

  • I Have a Question About Accessibility.

    What is Blue Cross Blue Shield of Montana doing to make their web services available for the disabled? 

    We build and test our webpages and apps so they work with assistive tools used by the disabled.   We follow the standards set by the global Web Content Accessibility Guidelines 2.1 (WCAG 2.1).  We also meet US law, Section 508 Accessibility Standards.    

    What help do you give if I cannot read or understand your website?  

    To get language or communication help (hearing or sight) free of charge, please call us at 1-855-710-6984.  

    Please go to our Accessibility Statement Page for more information on our accessibility efforts.   


* BCBSMT has contracted with a third-party vendor, Alacriti Payments, LLC, to process your ACH/electronic check payment. In order to process this payment, you will be redirected to Alacriti's secure payment site, OrbiPay. If you have any problems with your payment, please contact BCBSMT customer service at 1-800-477-7828.


Last Updated: May 25, 2023