Small Business Health Insurance Options
If your company has 50 or less employees, we offer fully-insured standard small group plans with benefits designed with members’ health and wellbeing in mind.
Network Options for Small Group Plans
| Plan Name | Blue Preferred PPO | Blue Focus POS |
| Plan Type | Broad Statewide PPO | Point of Service HMO in select areas* |
| Primary Care Physician | Not required | Required |
| Specialist Referral | Not required | Not required |
| Out-of-Network Benefits | Yes | Yes |
| Access to BlueCard® | Yes | Yes |
| Residency Required | No | Must live or work in the network service areas |
* Blue Focus POS is available in the following areas:
Billings: Carbon, Musselshell, Stillwater, Sweet Grass and Yellowstone
Bozeman: Gallatin
Kalispell: Flathead
Great Falls: Cascade
Helena: Lewis and Clark
Missoula: Lake and Missoula