Individual and Family Plans

Blue Cross and Blue Shield of Montana (BCBSMT) has an individual portfolio designed to:

  • Optimize product offering
  • Control escalating medical costs
  • Lower cost barriers to care for members
  • Focus on providing a variety of benefit features to a broad base
  • Help ensure compliance with regulations
  • Sustain product offering amid changing legislation

Individual Plan Portfolio

(On and Off Marketplace)


Blue Preferred PPO: 4 Bronze, 3 Silver, 1 Gold

  • Choice of doctors and hospitals throughout the state
  • Traditionally higher monthly premiums than POS plans
  • Network consists of roughly 66 hospitals and 9,155 providers1

Blue Focus POS: 2 Bronze, 2 Silver, 1 Gold

  • Point of Service product
  • May have lower premium cost than PPO plans
  • Network costs of roughly 8 hospitals and 1,927 providers.1

Available in Carbon, Lake, Missoula, Musselshell, Stillwater, Sweetgrass and Yellowstone counties. 


BlueCare DentalSM

  • Coverage for cleanings, preventive services and much more
  • Preventive dental services deductible waived

Prescription and Pharmacy

  • Six prescription payment level tiers — generic, brand and specialty drugs now have preferred and non-preferred benefit levels.
  • All plans include a drug list and Value Pharmacy Network.2

Pediatric Vision Benefits

  • Provides one exam, frames and contacts at no cost on some plans.

Key Features

To help you make an informed decision, a Summary of Benefits and Coverage (SBC) document is available for each of our individual and family health insurance plans. It describes key features such as:

  • Covered benefits
  • Cost-sharing provisions
  • Coverage limitations
  • Exceptions

We encourage you to learn more about our plans and to see which plan fits the needs of your prospect.

If you’re a producer interested in helping individuals learn about health coverage options, visit our Individual Coverage Certification page.

If you are already a Blue Cross and Blue Shield of Montana (BCBSMT) producer we encourage you to log in to our secure producer portal Blue Access for ProducersSM (BAPSM) for more tools and information:

  • Obtain an instant preliminary quote whenever a client calls
  • View, download, or print the information you need
  • View product information
  • Manage your group and individual business

All information represents an overview of coverage. It's not a complete list of what is covered or excluded. Information is subject to change. The full terms of coverage are located in the insurance policy.

1 Estimates as of 9/1/2019.
2 A “value” or “participating” pharmacy has a contract with BCBSMT's pharmacy benefit manager to provide pharmacy services at a negotiated rate. A pharmacy benefit manager administers prescription drug benefits for a health plan. The terms “value” and “participating” should not be construed as a recommendation, referral or any other statement as to the ability or quality of such pharmacy.