Small Group Fully Insured Metallic Plans
Blue Cross and Blue Shield of Montana offers a variety of fully-insured standard ACA plans for your small group clients with up to 50 employees.
Network Options
| Plan Name | Blue Preferred PPO | Blue Focus POS |
| Plan Type | Broad Statewide PPO | Point of Service HMO in select areas* |
| Primary Care Physician | Not required | Required |
| Specialist Referral | Not required | Not required |
| Out-of-Network Benefits | Yes | Yes |
| Access to BlueCard® | Yes | Yes |
| Residency Required | No | Must live or work in the network service areas |
* Blue Focus POS is available in the following areas:
Billings: Carbon, Musselshell, Stillwater, Sweet Grass and Yellowstone
Bozeman: Gallatin
Kalispell: Flathead
Great Falls: Cascade
Helena: Lewis and Clark
Missoula: Lake and Missoula
Wellbeing Management: Included Programs and Services
New for 2027: GO WellbeingSM
Introducing GO Wellbeing, a complete wellness solution delivering member-centered wellness tools and programs.
The RealAge Test. An assessment evaluates all domains of health to develop a “health age.” Members track daily health habits to improve their RealAge scores.
Challenges. These help members test their abilities and bolster progress toward individual goals.
Rewards. Members earn rewards for activities. In-platform redemptions incentivize members to stay engaged in their health journey.
Well onTarget®
GO Wellbeing replaces Well onTarget for new business starting Jan. 1, 2027. For renewing groups, the transition occurs on their 2027 renewal date.
Blue Points℠. Members earn and redeem points for participating in wellness activities. .
Fitness Program. This program offers a flexible gym network to fit members’ lifestyles and budgets. .
Hinge Health and Wondr are independent companies contracted with Blue Cross and Blue Shield of Montana to provide chronic disease prevention and management solutions for members with coverage through BCBSMT. BCBSMT makes no endorsement, representations or warranties regarding third-party vendors and the products and services offered by them.
Twin Health is an independent company that has contracted with BCBSMT to provide care and disease management for members with coverage through BCBSMT.
Last Updated: Oct. 30, 2026