As the largest health insurer in Montana, Blue Cross and Blue Shield of Montana provides wide-reaching and cost-effective health insurance plans to more than 250,000 Montana residents. Blue Cross and Blue Shield of Montana is an independent licensee of the Blue Cross and Blue Shield Association and sells health plans both on and off the Health Insurance Marketplace. Marketplace health plans cover the essential health benefits (EHBs) and are categorized into four metal levels: platinum, gold, silver, and bronze.

To assist members in maintaining healthy lifestyles, Blue Cross and Blue Shield of Montana educates members through the LifeTimes eNewsletter as well as through its informative website. Blue Cross Blue Shield of Montana also offers Blue Access for Members℠, a secure member website where members can check on claims, search for in-network doctors and hospitals, and use the Cost Estimator tool to compare the costs of services between hospitals and other facilities.

With Blue Cross and Blue Shield of Montana’s BlueCard® Program, members can rely on national coverage when traveling or living outside of Montana. This equates to 96 percent of hospitals and 83 percent of physicians nationwide. In fact, BCBS of Montana has the largest Preferred Provider Organization (PPO) in the country.

Like many insurance companies, Blue Cross and Blue Shield of Montana’s product offerings include the following types of plans: HMO and PPO.

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