Montana Plans2018 Montana Individual and Family Plans

The information on this page is for plans beginning January 1, 2018.  

 

Choose a medical plan in one of two networks.

Access more providers with our PacificSource Network.

The PacificSource Network (PSN) includes the broadest access to in-network providers and facilities, such as hospitals and urgent care centers. Plans on the PacificSource Network will typically cost more because you’ll have more providers to choose from.

PacificSource Network Availability

If you live in one of the following counties, you can choose plans on the PacificSource Network:

  • Beaverhead
  • Big Horn
  • Blaine
  • Broadwater
  • Carter
  • Cascade
  • Chouteau
  • Custer
  • Daniels
 
  • Dawson
  • Deer Lodge
  • Fallon
  • Fergus
  • Flathead
  • Gallatin
  • Garfield
  • Glacier
  • Golden Valley
 
  • Granite
  • Hill
  • Jefferson
  • Judith Basin
  • Lake
  • Lewis and Clark
  • Liberty
  • Lincoln
  • Madison
 
  • McCone
  • Meagher
  • Mineral
  • Petroleum
  • Phillips
  • Pondera
  • Powder River
  • Powell
  • Prairie
 
  • Ravalli
  • Richland
  • Roosevelt
  • Rosebud
  • Sanders
  • Sheridan
  • Silver Bow
  • Teton
  • Toole
 
  • Treasure
  • Valley
  • Wheatland
  • Wibaux
 

Lower your costs with our SmartHealth Network.

The SmartHealth Network is designed to give you a coordinated-care experience through select provider groups and facilities. This level of provider collaboration means great care at a lower cost.

SmartHealth Network Availability

If you live in one of the following counties, you can choose plans on the SmartHealth Network:

  • Carbon
  • Missoula
 
  • Musselshell
  • Park
 
  • Stillwater
  • Sweet Grass
 
  • Yellowstone
 
   

 

Review medical plans. 

Deductible and out-of-pocket limit amounts shown below are the costs for individuals. Amounts for families are twice the individual amounts. If members receive services from out-of-network providers, their deductible and out-of-pocket limit will be higher than the amounts listed in the chart below. All network plans are available direct with PacificSource and through HealthCare.gov, unless noted.

Medical policy samples by plan and network: 

Plan

Deductible*

Out-of-pocket limit*

Office visits

Co-insurance

SBCs
by Network
Summaries
by Network
Bronze HSA 6550
$6,550
$6,550
After deductible, covered in full
After deductible, covered in full
Bronze 6550 (0)***
$0
$0
After deductible, covered in full
After deductible, covered in full
Bronze 6550 (AI)***
$6,550
$6,550
After deductible, covered in full
After deductible, covered in full
Silver HSA 3000
$3,000
$5,000
After deductible, 25%
After deductible, 25%
Silver 3000 (0)***
$0
$0
After deductible, covered in full
After deductible, covered in full
Silver 3000 (AI)***
$3,000
$5,000
After deductible, 25%
After deductible, 25%
Silver 3000 (73)**
$1,800
$5,000
After deductible, 25%
After deductible, 25%
Silver 3000 (87)**
$750
$1,500
After deductible, 20%
After deductible, 20%
Silver 3000 (94)**
$250
$600
After deductible, 20%
After deductible, 20%
Gold 1500
$1,500
$5,000
After deductible, 10%
After deductible, 10%
Gold 1500 (0)***
$0
$0
After deductible, covered in full
After deductible, covered in full
Gold 1500 (AI)***
$1,500
$5,000
After deductible, 10%
After deductible, 10%

*Deductible and out-of-pocket limit amounts shown above are the costs for individuals. Amounts for families are twice the individual amounts.

**This is a cost-sharing plan. Cost-sharing plans are only available to those who qualify financially and enroll through HealthCare.gov.

***The Affordable Care Act (ACA) has special provisions for members of federally recognized American Indian tribes that purchase healthcare coverage through the Marketplace, including zero-cost health services for those whose income is at or below 300 percent of the Federal Poverty Level. Please note that even with a zero cost-sharing plan, out-of-network providers can bill for the amount over the network rate.   

Review dental plans.

Dental Choice 0/20/50Sample policy
Kids Dental Choice 0/20/50Sample policy

 

Get more information.

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Money 60 Remember: The only way to get help paying for your health insurance premiums is to purchase through the marketplace. You may also qualify for lower out-of-pocket costs. Click here for more information >