There's much to see here so take your time to learn all there is to know about the Individual health insurance plans available through BlueCross BlueShield. We hope you enjoy our site. Please let us know if you have questions.
BCBS has designed their best benefit options around their Blue Preferred Provider Organization (PPO) network of doctors and hospitals. Blue Preferred PPO is the name of their full-service comprehensive hospital and doctor network that BlueCross BlueShield uses for their individual PPO health insurance plans in Montana. Services provided by an in-network doctor or hospital are subject to the in-network deductible, coinsurance and maximum out-of-pocket amount while services provided by an out-of-network doctor or hospital are subject to a separate and additional out-of-network deductible, coinsurance and maximum out-of-pocket amount which is completely separate from and in addition to the in-network deductibles and out-of-pocket amounts. This makes it absolutely critical that you carefully evaluate the network of doctors and hospitals for all available plans in your community.
In 2021 Blue Cross Blue Shield continues to offer in certain geographic areas a "narrow network" family of plans based on a limited network of doctors and hospitals. This family of plans is called Blue Focus Point of Service (POS) and does not include St. Patrick Hospital in Missoula as an In-Network hospital. It is strongly recommended that you avoid the Blue Focus POS family of plans as the risk of uncovered services or out of network service far outweighs the monthly premium savings.
In 2021 the most affordable BCBS Bronze PPO plan is their Blue Preferred Bronze PPO 301 plan which is designed with an in-network deductible of $8,550 and then provides coverage at 100% after satisfaction of the deductible.
In 2021 the most affordable BCBS Silver PPO plan is their Blue Preferred Silver PPO 306 plan which is based on a deductible of $4,500 with 50% coinsurance to a maximum out-of-pocket amount of $8,550.
In 2021, BCBS offers only one PPO Gold plan called the Blue Preferred Gold PPO 204 plan is based on a deductible of $750 with 70% coinsurance to a maximum out-of-pocket amount of $8,550.
Please see the Plan Comparison information for additional information
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