Montana Health Plans
Book your free consultationAffordable Coverage Options in Montana
Shopping for the best Montana health plans is important to help you stay covered and save money. Whether you are looking at individual health insurance or family health plans, we can help you compare health insurance plans that match your income, lifestyle, and health care needs. Residents can choose from options to find marketplace coverage using the health insurance marketplace. Other people use employer-sponsored health insurance or Medicare plans. Each plan type has different coverage options and benefits, so make sure you know your choices before you enroll.
BENEFITRA can help individuals, families, and employers nationwide find health care coverage from a variety of plans connected to providers you trust, like Blue Cross. With access to a large network of doctors, dentists, and pharmacies, you can find quality health care no matter where you live in Montana. Need vision plans or dental plans? Want to find out if your doctors and physicians are covered? Use our easy provider finder tool to compare coverage and prescription benefits before you enroll.
Losing a job, going through a transition, or a change in income may still make you eligible for special enrollment on the marketplace or through Medicaid. Special enrollment allows you to enroll in a health insurance plan outside of open enrollment. You can help ensure you and your family are covered all year long, and save money by taking the time to review your coverage options and costs.
BENEFITRA can help individuals, families, and employers nationwide find health care coverage from a variety of plans connected to providers you trust, like Blue Cross. With access to a large network of doctors, dentists, and pharmacies, you can find quality health care no matter where you live in Montana. Need vision plans or dental plans? Want to find out if your doctors and physicians are covered? Use our easy provider finder tool to compare coverage and prescription benefits before you enroll.
Losing a job, going through a transition, or a change in income may still make you eligible for special enrollment on the marketplace or through Medicaid. Special enrollment allows you to enroll in a health insurance plan outside of open enrollment. You can help ensure you and your family are covered all year long, and save money by taking the time to review your coverage options and costs.
Know Your Health & Wellness Benefits
Medical
BCBS PPO National Network
| Deductible: | $1,000 |
| Coinsurance: | 80/20 |
| Out-of-Pocket: | $3,800 |
| Primary Care Co-pay: | $25 |
| Specialist Co-Pay: | $50 |
| Medications: | Generic 10%; Brand 35% (see SBC for more details) |
| Wellness & Teledoc Visits: | No Charge |
(In-network only)
See Health Plan Outline for More Details
Dental
Principal PPO Dental Network
| Annual deductible network | Coinsurance network pays | |
| Preventative | $0 | 100% |
| Basic | $50 | 80% |
| Major | $50 | 50% |
Max benefit: $2,000 per calendar year
New Benefit: Implant coverage (see SBC for details).
Out-of-Network Coverage Available (Click Here to See Claim Example)
Vision
VSP Vision
| Exams: $10 copay, 1 exam every 12 mo |
| Glasses: $25 copay for single lenses |
| Frames: Up to $250 every 24 mo |
| Contacts: Up to $250 every 12 mo |
LIFE
10K Death Benefit
Know Your Health & Wellness Benefits
At BENEFITRA, we believe comprehensive healthcare should be accessible, transparent, and tailored to your needs. That’s why every member receives a complete benefits package — medical, dental, vision, and life benefits — designed to give you peace of mind and real value.
Medical
BCBS PPO National Network
| Deductible: | $1,000 |
| Coinsurance: | 80/20 |
| Out-of-Pocket: | $3,800 |
| Primary Care Co-pay: | $25 |
| Specialist Co-Pay: | $50 |
| Medications: | Generic 10%; Brand 35% (see SBC for more details) |
| Wellness & Teledoc Visits: | No Charge |
(In-network only)
See Health Plan Outline for More Details
Dental
Principal PPO Dental Network
| Annual deductible network | Coinsurance network pays | |
| Preventative | $0 | 100% |
| Basic | $50 | 80% |
| Major | $50 | 50% |
Max benefit: $2,000 per calendar year
New Benefit: Implant coverage (see SBC for details).
Out-of-Network Coverage Available (Click Here to See Claim Example)
Vision
VSP Vision
| Exams: $10 copay, 1 exam every 12 mo |
| Glasses: $25 copay for single lenses |
| Frames: Up to $250 every 24 mo |
| Contacts: Up to $250 every 12 mo |
LIFE
10K Death Benefit
Accident
Click to Review Plan DetailsLinks of Interest
Links of Interest
Health Benefits You Can Count On
Selecting a health insurance plan in Montana is about finding a carrier that offers reliable and predictable health care coverage for you and your family. The best plans are ones that offer a healthy balance of low costs, comprehensive benefits, and wide access to a robust network of providers and hospitals. With BENEFITRA, you can easily compare plan types and coverage costs and see if your current doctor or hospital participates. Many Montana health plans also offer dental plans, vision plans, and prescription support programs for complete health care coverage.
Montana health insurance plans for people who qualify for Medicare or Medicare Advantage often include dental, vision, and hearing plans. For those under the age of 65, the Montana health insurance marketplace is still the best source for all marketplace coverage that meets federal health care law standards. It’s been set up so that shopping for health insurance is easy and transparent, including granular data about health insurance premiums and coverage, health plan options, plan benefits, and so much more. You can also use free resources to see if you qualify for tax credits that lower your monthly premium cost.
By connecting you with a licensed insurance agent or company, we’ll walk you through each step to make sure you have the coverage that will best help you meet your health care needs, budget, and family needs. Whether you’re looking for a health insurance plan with specific preventive services, tools for managing your chronic condition, or you just want to lower your costs, there’s a health plan out there to help you.
Book your free consultationMontana health insurance plans for people who qualify for Medicare or Medicare Advantage often include dental, vision, and hearing plans. For those under the age of 65, the Montana health insurance marketplace is still the best source for all marketplace coverage that meets federal health care law standards. It’s been set up so that shopping for health insurance is easy and transparent, including granular data about health insurance premiums and coverage, health plan options, plan benefits, and so much more. You can also use free resources to see if you qualify for tax credits that lower your monthly premium cost.
By connecting you with a licensed insurance agent or company, we’ll walk you through each step to make sure you have the coverage that will best help you meet your health care needs, budget, and family needs. Whether you’re looking for a health insurance plan with specific preventive services, tools for managing your chronic condition, or you just want to lower your costs, there’s a health plan out there to help you.
H&W, Dental, Vision and Life benefits are Part of a Benefits Package
5 year average renewal of less than 3% – Trust established in 1958 – BCBS network since 2004 – Enrollment available year round – No underwriting
Features | H&W 125 | DENTAL 125 | VISION 125 | LIFE 10K | ADMIN125 | Union | Total |
|---|---|---|---|---|---|---|---|
Employee Only | $731.00 | $65.00 | $10.00 | $5.00 | $100.00 | $27.00 | $938.00 |
Employee + Spouse | $1,500.00 | $130.00 | $22.00 | $5.00 | $200.00 | $27.00 | $1,884.00 |
Employee + (Children) | $1,146.00 | $130.00 | $22.00 | $5.00 | $200.00 | $27.00 | $1,530.00 |
Employee + Family | $1,636.00 | $190.00 | $35.00 | $5.00 | $200.00 | $27.00 | $2,093.00 |
Waived Employees | $5.00 | $27.00 | $32 |
H&W, Dental, Vision and Life Benefits are Part of a Benefits Package
6 consecutive renewals of 3% or less – Trust established in 1958 – BCBS network since 2004 – Enrollment available year round
2026 Rates
Features | H&W 125 | DENTAL 125 | VISION 125 | ACCIDENT | LIFE 10K | ADMIN125 | Union | Total |
|---|---|---|---|---|---|---|---|---|
Employee Only | $746.00 | $75.00 | $15.00 | $12.00 | $10.00 | $100.00 | $27.00 | $985.00 |
Employee + Spouse | $1,530.00 | $150.00 | $30.00 | $12.00 | $10.00 | $200.00 | $27.00 | $1,959.00 |
Employee + (Children) | $1,169.00 | $150.00 | $30.00 | $12.00 | $10.00 | $200.00 | $27.00 | $1,598.00 |
Employee + Family | $1,669.00 | $220.00 | $45.00 | $12.00 | $10.00 | $200.00 | $27.00 | $2,183.00 |
Waived Employees | $10.00 | $27.00 | $37 |
Scroll right to view the full chart.
Accident coverage is for Employee/Member only
Groups above 10 have custom ancillary rates
First Year Dental Max is $1,000, Second year increases to $2,000
Surcharge for 4 or more dependent children – Dental :$50 , Vision: $15 per child.
*Additional $33/month Processing Fee Applies for Individual and Family Health Plans.
Flexible Plans for Montana Businesses and Families
Small businesses, families, and self-employed professionals are the backbone of Montana’s economy. BENEFITRA works with some of the most trusted health insurance providers to offer personalized and flexible health plan options. Our customizable plans are designed to meet the needs of both employers and members, including a large network of providers so your employees and their families have access to a variety of doctors, dentists, and pharmacies throughout Montana.
Employers have the opportunity to attract and retain the best employees while helping them stay healthy and productive through an affordable health insurance plan. BENEFITRA’s provider partners offer employer groups dental, vision, and prescription drug benefits, along with tools for managing claims, tracking premiums, and offering member resources that simplify the enrollment and administration process.
Individuals and those who are self-employed or have recently changed employers have access to special enrollment and marketplace options to maintain health care coverage without any lapse. Subsidies or tax credits based on income can also help lower your premiums and out-of-pocket expenses. Personalized service is part of BENEFITRA's DNA, so you will be able to reach the experts who understand Montana's health care system and feel confident in your choices.
Book your free consultationEmployers have the opportunity to attract and retain the best employees while helping them stay healthy and productive through an affordable health insurance plan. BENEFITRA’s provider partners offer employer groups dental, vision, and prescription drug benefits, along with tools for managing claims, tracking premiums, and offering member resources that simplify the enrollment and administration process.
Individuals and those who are self-employed or have recently changed employers have access to special enrollment and marketplace options to maintain health care coverage without any lapse. Subsidies or tax credits based on income can also help lower your premiums and out-of-pocket expenses. Personalized service is part of BENEFITRA's DNA, so you will be able to reach the experts who understand Montana's health care system and feel confident in your choices.
Why Choosing the Right Plan Matters in Montana
Shopping for a Montana health plan involves more than just comparing premiums; it’s about having the right providers, hospitals, and services available when you need them. From Medicare plans to family health insurance or employer-sponsored health insurance, BENEFITRA makes it easy to review your plan details so you know exactly how your coverage works with your lifestyle.
Because health insurance is a long-term commitment, BENEFITRA wants you to consider how your budget, your choice of doctors, and your benefits are all impacted by your decision. Compare plan types, network sizes, and confirm your physicians are in-network using BENEFITRA’s provider finder and plan shopping tools. We also encourage all our members to take advantage of their open enrollment period or special enrollment eligibility to review their health care coverage and keep their health care seamless from year to year.
Whether you’re shopping for marketplace health coverage, a Medicare Advantage plan, or an employer-sponsored health insurance plan, you need coverage that’s there for you so you can save money and get the care you need. A Montana health plan from BENEFITRA means you know you, your family, and your employees are covered for life’s every stage.
Explore your Montana health plan options today and sign up for open enrollment, create your account, and talk to a licensed insurance agent about the details of your plan. BENEFITRA members have trusted health insurance support, flexible plans that meet your budget and your needs, and the peace of mind of knowing your health care is always covered.
Sam worked with us to decrease our health costs by nearly 50% without rasing the deductible on employees or limiting the doctor network. These savings enabled us to add additional, valuable benefits. He was always willing to take a call or zoom meeting to explain anything we had questions about. The insurance landscape can be complicated and hard to navigate, but he helped us make great, informed choices.
I got a big health insurance rate increase, and I didn't like the recommendations from my large, nationally recognized employee benefits agency, so I decided to speak with other agencies. None of them could provide the same level of solutions that Sam was able to. Now, we are saving 40% on both medical and overall costs while massively upgrading the health insurance benefits.
Without changing payroll or undergoing medical underwriting, Sam helped reduce my business's health insurance rates by nearly 50%, all while improving the plan's benefits and network. He made the process effortless.
The Benefitra plan lowered my family's cost substantially while improving my coverage. I've been so happy with it that friends, family, and colleagues have since joined the plan as well.
We were able to save almost 50% on our medical rates while fulfilling everything we were looking for
Sam was able to take my family and business's situation and pull through where others failed. I am saving significantly while increasing my access to doctors.
We are loving the BENEFITRA plan. It is a much smoother experience with claims getting approved quickly. Just a much smoother experience and at a lower price than the alternative. I’m already telling friends and colleagues about it!
Absolutely loving the plan! Better than all other health insurance plans I have had. They have been flexible with my needs and it feels like I am getting a VIP, concierge treatment from customer service. I come from many years working in the health insurance industry. I didn't think my experience could be this good.
Sam Newland is a valuable asset to our company. Thanks to his expertise and guidance, FOUR PAWS USA has made informed decisions to increase coverage and benefits while reducing costs for both employees and the company. We truly appreciate his efforts to provide our employees with high-quality, affordable plans.
Without changing payroll or going through underwriting, we saved over 50% on our medical plan while upgrading to a PPO, improving benefits, and reducing expected renewal increases. The savings allowed us to add dental and vision coverage and hire a new full-time employee to support our business growth.
MCLD has been working with Sam for many years. As we have grown and evolved as a company, they have been providing expert advice for our changing needs to help keep things simple and effiecient for the business and keep our employees happy. If and when anything comes up, we can always be confident that they will be there to help.
Sam is an incredible asset to a small business like ours. He was able to balance simplicity with inclusivity and completeness so that we were able to make choices that make our employees happy, and for much less than we expected. In addition to their deep knowledge, they have provided exceptional service by responding quickly and providing thoughtful business solutions.
Sam is an expert in HR and Benefits. He took our preferences and guidelines to provide design solutions for both savings and growth strategies. He also spent time ensuring we understood every aspect of the healthcare plans we were considering, which can be challenging. With Sam’s help, we offered great benefits to our team, saved money, and grew quickly by attracting and retaining top talent.
Testimonials
What Our Clients Say
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Alexandra Estrada
Chrystin Comeau
Jameson Reeves
Jack Bazarbachian
Dr. Hoorbod D, DO
Patrick Therrien
Dr. Elion Krok, MD
Krystal Solimine
Karen M.
Alexandra Estrada
Alexander Kady Tschopp
Scarlett Bartlett
Chelsea Curtis
Jacqueline Bellan
Vin Cannistraro
Sam worked with us to decrease our health costs by nearly 50% without rasing the deductible on employees or limiting the doctor network. These savings enabled us to add additional, valuable benefits. He was always willing to take a call or zoom meeting to explain anything we had questions about. The landscape can be complicated and hard to navigate, but he helped us make great, informed choices.
I got a big health benefits rate increase, and I didn't like the recommendations from my large, nationally recognized employee benefits agency, so I decided to speak with other agencies. None of them could provide the same level of solutions that Sam was able to. Now, we are saving 40% on both medical and overall costs while massively upgrading the health benefits.
Without changing payroll or undergoing medical underwriting, Sam helped reduce my business's health benefits rates by nearly 50%, all while improving the plan's benefits and network. He made the process effortless.
The Benefitra plan lowered my family's cost substantially while improving my coverage. I've been so happy with it that friends, family, and colleagues have since joined the plan as well.
We were able to save almost 50% on our medical rates while fulfilling everything we were looking for
Sam was able to take my family and business's situation and pull through where others failed. I am saving significantly while increasing my access to doctors.
We are loving the BENEFITRA plan. It is a much smoother experience with claims getting approved quickly. Just a much smoother experience and at a lower price than the alternative. I’m already telling friends and colleagues about it!
Absolutely loving the plan! Better than all other health benefits plans I have had. They have been flexible with my needs and it feels like I am getting a VIP, concierge treatment from customer service. I come from many years working in the health benefits industry. I didn't think my experience could be this good.
Sam Newland is a valuable asset to our company. Thanks to his expertise and guidance, FOUR PAWS USA has made informed decisions to increase coverage and benefits while reducing costs for both employees and the company. We truly appreciate his efforts to provide our employees with high-quality, affordable plans.
Without changing payroll or going through underwriting, we saved over 50% on our medical plan while upgrading to a PPO, improving benefits, and reducing expected renewal increases. The savings allowed us to add dental and vision coverage and hire a new full-time employee to support our business growth.
MCLD has been working with Sam for many years. As we have grown and evolved as a company, they have been providing expert advice for our changing needs to help keep things simple and effiecient for the business and keep our employees happy. If and when anything comes up, we can always be confident that they will be there to help.
Sam is an incredible asset to a small business like ours. He was able to balance simplicity with inclusivity and completeness so that we were able to make choices that make our employees happy, and for much less than we expected. In addition to their deep knowledge, they have provided exceptional service by responding quickly and providing thoughtful business solutions.
Sam is an expert in HR and Benefits. He took our preferences and guidelines to provide design solutions for both savings and growth strategies. He also spent time ensuring we understood every aspect of the healthcare plans we were considering, which can be challenging. With Sam’s help, we offered great benefits to our team, saved money, and grew quickly by attracting and retaining top talent.
My wife's medical emergency resulted in $300,000 in medical bills and over 90 claims - not one of them was denied and all costs covered by our $3800 per year max. She is still going to PT after 140 visits and we don't need to call and get more approvals. The rehab staff rave about our coverage. Also, I was the first patient in over eight years whose PRP treatments were covered, saving me over $3900. This plan really works.
Chrystin Comeau
Jameson Reeves
Jack Bazarbachian
Dr. Hoorbod D, DO
Patrick Therrien
Dr. Elion Krok, MD
Krystal Solimine
Karen M.
Alexandra Estrada
Alexander Kady Tschopp
Scarlett Bartlett
Chelsea Curtis
Jacqueline Bellan
Vin Cannistraro
