Open Enrollment Tips

Do you have long-term prescriptions? Are there dependents that will be covered by your plan? Understanding your budget and the level of care you need is important to picking your right plan.

Know which plan to shop for. Check each plan's network to find out if your preferred doctors are covered. If you want the flexibility to use out-of-network doctors, PPO or POS plans may be a better fit.

• Subsidy, or premium tax credit: a credit that could help lower your monthly bill
• Dependent: A spouse, partner or child who you're able to cover by your plan
• Premium: The monthly amount owed to keep your coverage active
• Deductible: The amount you pay before your plan begins to cover costs
• Copay and coinsurance: The percentage (like 20%) or dollar amount Llike $25) always owed for care costs

Check our Help Center for other common terms.

Our Provider Finder^® tool lets you find in-network doctors specific to your ZIP code and care type. Search as a guest to explore doctors and hospitals covered by BCBSMT plan options or, if you're a BCBSMT member, log in for more personalized search results.

Want to talk with a health plan specialist about your health plan options? Have questions about enrolling? Give us a call, we're here to help.

Based on your income and family size, you might qualify for a premium tax credit, also known as a subsidy, to get financial help. You could pay less each month without changing your level of health care coverage.