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Member Services

Understanding Transparency in Coverage

At Blue Cross and Blue Shield of Montana, we want to help you better understand your health care coverage. That’s why we provide the following transparent coverage information for members who purchase individual and family health plans. 

Individual On-Exchange Coverage

If you purchased your health insurance plan directly from BCBSMT or through the Health Insurance Marketplace, the following information is for you. Choose a topic below to learn more about using your coverage.

Note that the following information is a general overview of information related to health insurance plans. Your specific plan may have some differences.

Other Types of Coverage

If you didn’t purchase your health insurance plan directly from BCBSMT or through the Health Insurance Marketplace, you’ll want to reach out to get the answers to the below questions. Depending on your coverage, here’s how to reach us:

  • Coverage through your job: If you have questions about your plan, please contact your employer’s HR department or call BCBSMT at the number listed on your member ID card. You can also log in to your Blue Access for MembersSM account to access your plan information.
  • Coverage from Medicare or Medicaid: If you have a Medicare or Medicaid plan through us, please refer to your plan's benefit materials. You may also call the number listed on your BCBSMT member ID card.

FAQS

Using Your Plan