Your Individual & Family Coverage Options

Blue Cross and Blue Shield of Montana (BCBSMT) offers Individual and Family health insurance at three metallic levels of coverage to fit the needs of you and your family. 


Gold Plans are for you if you:

  • Have more medical needs than most
  • Have a spouse and/or children on your health care plan, or want to grow your family soon
  • Prefer to have lower out-of-pocket expenses but a higher monthly payment

Silver Plans are for you if you:

  • Have regular medical needs
  • Qualify for a premium tax credit, also known as a subsidy
  • Want to pay less out-of-pocket for care
  • Have a spouse and/or children on your health care plan

Bronze Plans are for you if you:

  • Have fewer medical needs
  • Would rather have a low monthly payment
  • Don't take prescription drugs regularly

More Plans Options

Learn about all of your Individual and Family health care plan options
with BCBSMT.

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Dental Insurance

Under the Affordable Care Act (ACA), dental coverage is free for children 18 and younger and optional for all adults. These dental plans are offered by the government when you enroll during Open Enrollment or with a qualifying life event. You can also enroll with BCBSMT if you need dental coverage in addition to your current plan.

Learn more about dental plans

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Learn about Medicare, or over 65 plans, if you can enroll and how it works.

Learn about Medicare

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Vision Insurance

Having vision insurance can help you save on eye care costs. You’ll get savings that may help you pay for things like annual eye exams, lenses and frames and certain treatments.

Learn about vision insurance

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Other Plan Options

Planning means expecting the unexpected. We offer budget-friendly supplemental insurance solutions, including life, accident, disability and critical illness options.

Learn about all your options

Make the Most of Your Plan

We offer helpful tools to make using your health plan easier and fast.

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Provider Finder

Log in or search as a guest to find in-network doctors, hospitals, pharmacies and urgent care.

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Blue Access for MembersSM

Blue Access for Members can help you manage your health plan benefits - find a doctor, review your coverage and more.

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Go Mobile

Download the BCBSMT mobile app to access your health plan and our tools on the go.

Last Updated: Jan. 24, 2023