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Small Group Health Insurance Options

More Value. More Choice.

All Blue Cross and Blue Shield of Montana (BCBSMT) fully-funded standard small group Qualified Health Plans (QHP) for 2-50 employees offer features and benefits designed with members’ health and wellbeing in mind.

The 2024 BCBSMT Small Group Portfolio is available from January 1, 2024, through December 31, 2024. 

Popular Plans for Small Businesses

Blue Preferred PPO

  • Broad, statewide PPO network
  • Primary Care Physician (PCP) selection not required
  • No referral required for specialists
  • Some out-of-network coverage; benefits paid at a higher level when the provider is in network
  • BlueCard® access

Blue Focus POS

  • Smart network service area covers Billings, Bozeman, Great Falls, Helena, Kalispell and Missoula
  • Members must live and work in the network service area
  • More affordable option compared to broad PPO
  • PCP selection required but no referral required 
  • Some out-of-network coverage
  • BlueCard® access

Complimentary Programs Help Members Take Control of Their Health

We’re empowering members to take control of their health through complimentary programs that can help them save money and prevent certain types of health conditions. Putting the power of wellness in members’ hands can also help your group clients lower costs by reducing doctor visits and hospitalizations. Here are a few of the advantages your clients have – just for being BCBSMT members:


Employees save money on health and wellness products and services from top retailers not covered by insurance. There are no claims to file and no referrals or preauthorizations. Members get featured deals emailed to them by retailers like EyeMed, TruHearing®, Nutrisystem®, Reebok, Fitbit® and more.

Teladoc Health

Teladoc’s diabetes management program helps members improve glycemic control by understanding blood sugar and developing healthy habits. And the hypertension program supports members who have high blood pressure with a connected blood pressure monitor and support from expert health coaches.

Incentives and Blue PointsSM

Members making smarter choices about their health have access to incentive programs designed to promote healthy behavior.

Fitness Program

The Fitness Program supports fitness for life by offering a flexible gym network to fit members’ lifestyles and budgets.

Well onTarget®

The Well onTarget program is designed to give members the tools and support they need, while rewarding them for making healthy choices.

24/7 Nurseline

Members have 24/7 access to registered nurses who can guide them to the appropriate level of care for their health issue and answer general health questions.

Digital Mental Health from Learn to Live

We are deeply committed to our members’ overall wellbeing, and mental health is an important part of our approach. Compassionate case managers, utilization management, specialty programs and member and provider support are all part of the mental health benefits (called behavioral health) that come standard with every small group plan.

With Digital Mental Health, members can use Blue Access for MembersSM to easily engage in private, online programs to help keep their mental health on track through:

  • An online assessment to help them pinpoint helpful programs.
  • Quick, easy online lessons that let them access proven therapy-based techniques.
  • Expert coaches to guide and inspire them to reach their goals.
  • Peace of mind – personal results, programs and messages are always private. 

Full-Service Quoting, Enrolling and Management Solution

Bentegro for Small Business (1-50) is a comprehensive sales, enrollment and benefits management platform built for agents and brokers. Bentegro takes all the power and scale of enterprise technology solutions and makes it available in a user-friendly format for small businesses.​​

If you would like to learn more about Bentegro, visit their website, contact them via email or call 1-855-294-3258, Monday through Friday, 8 a.m. – 5 p.m. CT.

Level Funded Small Group Option

Blue Balance Funded is an administrative and stop loss coverage suite of services for groups of 10-50 that includes consistent monthly payments for employers. Unlike self funded plans, with level funded health plans the liability risk is defined and limited by stop-loss contracts. Get the details on our Blue Balance Funded Portfolio Adobe PDF and learn more about billing with these frequently asked questions.






Last Updated: Feb. 16, 2024