SPECIAL ENROLLMENT PERIOD

You may qualify to buy a Blue Cross and Blue Shield of Montana (BCBSMT) health plan outside of the annual Open Enrollment Period (OEP) during the Special Enrollment Period (SEP). To be eligible, you must have had a qualifying life event within the past 60 days.

FIND YOUR BCBSMT HEALTH PLAN

If you qualify for SEP, take a look at the health plans in your area.

Start Shopping Now

YOUR SPECIAL ENROLLMENT PERIOD

You have two set times each year to buy a health plan. One is the Open Enrollment Period (OEP). This is most often November 1 – December 15 and is the time when everyone can buy a health plan. The other is called the Special Enrollment Period (SEP). The SEP runs from the time OEP ends and starts again the next year.

You must qualify for SEP with a qualifying life event, such as losing your current health care coverage due to job loss or getting married. You’ll just need to send in proof showing your event’s date. Based on your income and family size, you may also be able to get financial help.

If you have a BCBSMT health plan, you may be able to change your plan during a SEP as well.

SEP QUALIFYING LIFE EVENTS

There are many kinds of life events that qualify for a special enrollment.

Qualifying events may be:

You lose other health coverage due to job loss, a decrease in work hours, end of COBRA coverage or other reasons.¹
Your current health care coverage will no longer be provided after December 31, 2019.
You move to a new area that provides you different plans or isn't covered by your HMO network.
You get married.
You have or adopt a child.
You become a U.S. citizen.²
Your income or household status changes.
You can prove that your health insurance company violated its contract with you.
You are no longer covered on a family member's policy because you turned 26.
You have legally separated from or divorced your spouse.
The policy holder passed away.
You become a member of an American Indian and Alaska Native tribe.²
You experience an error or other issue when trying to enroll .

View a full list of qualifying events .

Non-qualifying events may be:

Choosing not to get health care coverage from your job.
Choosing to cancel your health plan before its renewal or end date.
Travel insurance expiring.
Loss of State or Federal health care coverage or assistance due to not supplying needed documents as proof.
Loss of a short-term or temporary health plan.³

You can always call us at 1-855-258-8471 or use the form below if you have questions.

APPLYING DURING SEP

If your life event qualifies you to get health care coverage in a special enrollment, you have three ways to buy your plan:

Online - You can buy your health plan on our website.
Phone - Call 1-855-594-1515 to speak with a BCBSMT licensed sales representative.
Agent – Work with an independent, authorized agent to sign you up.

IMPORTANT INFORMATION WHEN APPLYING

Deadlines

In most cases, you have 60 days (including weekends and holidays) from the date of your qualifying life event to buy a new health plan.

Some qualifying events, like losing health care coverage due to job loss, may let you buy a plan up to 60 days before your event happens. Call us at 1-855-258-8471 with any questions.

Financial Help

You can check to see if you qualify for a subsidy, also known as a premium tax credit, while applying during SEP. This credit may help you lower the amount you’ll pay for your monthly premium bill.

Documentation

You'll need to send in documents, or proof, showing your life event date, such as a marriage or adoption certificate. View a full list of required documents PDF Document .

COVERAGE START DATES AND PAYMENT

When you buy or change your health plan during the SEP, your health care coverage may not start right away. Your coverage start date is most often based on:

Your qualifying life event
The date you apply
Making your first payment

IF YOU DON’T QUALIFY

If you can’t get health care coverage during SEP, you may still have options.

You may qualify for Medicaid , Children’s Health Insurance Program (CHIP) or other assistance based on your income. This health care coverage is provided by the government. There’s no SEP, so you can apply at any time. You may also qualify for financial help.

Note: Members of American Indian and Alaska Native tribes can apply for health care coverage any month of the year.

FIND YOUR BCBSMT HEALTH PLAN

If you qualify for SEP, take a look at the health care plans in your area.

Start Shopping Now

¹Please note that the following are not considered loss of coverage: voluntarily canceling your health insurance plan, having your plan canceled because you did not pay your premiums or because your plan did not meet the requirements set by the Affordable Care Act.

²Only for health plans bought on the Marketplace.

³BCBSMT does not offer temporary or short-term plans. These plans may not provide the full benefits of a BCBSMT health plan, including essential health benefits.

Tab One Ask Question

Ask a Sales Question

Please fill out the form below and a licensed agent will contact you to help answer your questions.

First Name* Please enter a valid first name

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Tab Two Request Brochure

Request a Brochure

Please fill out the form below and we will send you information about our health insurance plans.

Select a Brochure*

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Phone Number Please enter a valid phone number

If you provide a phone number, an agent may call you to make sure that you received the information and to answer any questions that you might have.

You must be at least 18 years old to submit a request.

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Tab Three Request Agent

Online Agent Request Form

Please fill out the form below and a Blue Cross and Blue Shield of Montana authorized agent will contact you within 1 to 2 business days. They will schedule an appointment at a time and location that is convenient for you. There is no cost or obligation for this service.

Please select the product you are interested in

Individual and Family Products Medicare Plan Options (Medicare Advantage, Medicare Supplement, Part D)

First Name* Please enter a valid first name

Last Name* Please enter a valid last name

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City*

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Tab Four Call Us

Need Assistance Shopping?

Sales Questions and Additional Plan Information:
1-855-594-1515
Calls may or may not be answered inside the United States.

Monday – Friday: 7 a.m. – 7 p.m. MT
Saturday: 7:30 a.m. – 11:30 a.m. MT
Sunday: Closed

Customer Service:
1-855-258-8471
Calls may or may not be answered inside the United States.

Monday – Friday: 6 a.m. – 7 p.m. MT
Saturday: 7 a.m. – 4 p.m. MT
Sunday: Closed

Already a member?
Call the Customer Service number on the back of your member ID card.