Use Provider Finder to see what doctors, hospitals and urgent care centers are in your health plan’s network. Check out the Find Care page for details.
Once you find a doctor, double check with their office to make sure the doctor is in your network. Give the doctor’s office the information on your member ID card, including the full name of your plan. This will help them find what your plan covers.
If your primary care doctor gives you a referral to another doctor, ask for one who is in your plan’s network. It is important that you make sure that the new doctor is also in your network.
If you need surgery or other health services, make sure each provider who will care for you is in your plan’s network.
Log into your Blue Cross and Blue Shield of Montana Blue Access for MembersSM account to find out if a doctor or other provider is in your network.
Our prescription benefits help you save money by doing the following steps:
Find a Value Pharmacy
Before you fill prescriptions, seach for pharmacies in your network. You may have access to the Value Pharmacy Network. Some medications have copays as low as $0 at preferred pharmacies. Log in to your BAM account and search for pharmacies near you, including those in the Value Pharmacy Network.
Check Your Approved List
Your drug coverage is based on an approved list of drugs considered to be safe and cost-effective. This list, called a formulary, is updated regularly. It is always wise to confirm your medication(s) is on the drug list. Log in to BAM to search for covered drugs.
Is a Generic Drug Available?
There are times when a generic drug may be a good choice. Learn more about the difference between generic and brand drugs. Remember to ask your doctor if there are generic options for your prescriptions.
Remember Rewards
When you pick a preferred pharmacy, ask if they have a member or buyer rewards program. You may earn rewards through purchases. Rewards can be used toward cash discounts on future purchases at some pharmacies.
Learn about more ways to save on prescription drugs.
Available to All Members
Any member of a participating BCBSMT plan is eligible for Blue365. Federal Employee Program members across the country are also welcome. You can easily check for new Blue365 discounts.
Discount Categories
- Home and Family
- Fitness
- Nutrition
- Apparel and Footwear
- Hearing and Vision
- Personal Care
Get Started
- Create a free account. Have your BCBSMT member ID card ready.
- When you log in, you’ll see all current deals. Click on details.
- You may earn a coupon code that you can apply to your purchase on the vendors site.
- Or you may be sent to the vendor’s site – with the discount already been applied for you.
Considerations
- Blue365 deals change or end often. If you see one you like, don’t wait. It may not be there the next time you log in.
- There’s no maximum number of deals you can snag. Try as many as you like.
- Blue365 is not extra insurance coverage. It is not a health plan. It’s a way to save money on health and wellness items. You can register for Blue365 at any time with no waiting periods, limitations, deductibles or claim forms. Think of it as an extra perk to your BCBSIL health coverage.
To keep track of your health care costs, log in to your member account . It shows how much you’ve paid towards your deductible and how close you are to your out-of-pocket maximum.
This makes it easier to plan for medical expenses and decide when and where to get medical services, helping you make the most of your benefits. Keep in mind that your deductible resets at the start of each year or when you enroll in a new plan.
It’s important to keep track of your deductible to manage your health care spending. Here's how it works:
- Paying First: Your deductible is the amount you pay before your insurance starts to help. For example, if your deductible is $5,000, you need to pay this amount on your own for medical costs at the start of the year.
- Cost Sharing: After you pay your deductible, you only pay a part of any more medical costs. This is called coinsurance. Say your coinsurance is 20%; then you pay 20% of your bills, and your insurance pays the other 80%.
- Spending Cap: There's a limit to how much you must pay in one year. After you reach this limit, which includes your deductible and any coinsurance, your insurance will pay for all your covered medical costs for the rest of the year.
- Yearly Reset: Every year, your deductible starts over. Knowing how much you've paid towards your deductible helps you plan for medical expenses and avoid surprises.
When you pick doctors, hospitals or pharmacies that are in your health plan's network, like those under BCBSMT, you save money.
We negotiate with care providers to deliver care at the best possible prices for our members. Once a contract is in place, physicians, hospitals and other providers are considered “in-network” because they agree to charge set prices for their services.
- In-network provider: Your care costs are often reimbursed at the highest level.
- Out-of-network provider: You may pay higher out-of-pocket costs for your health care. In some cases, you may have to pay the full cost.
In addition, your health plan has tools to help you find in-network doctors, therapists, pharmacies and other providers.
Cost-sharing assistance helps you lower your health care costs through the Health Insurance Marketplace under the Affordable Care Act. This assistance reduces the amount you must pay out of your own pocket for health care, such as deductibles, coinsurance, and copays. Here’s what you need to know:
- Deductibles: This assistance can decrease the amount you need to pay before your insurance starts to cover medical costs.
- Coinsurance: It reduces the percentage you are required to pay after your deductible has been met.
- Copays: You might also pay less for each visit to a doctor or for prescriptions.
To qualify for this assistance,
- Your income must fall within a specific range based on your household size.
- You cannot be claimed as a dependent on someone else's tax return, nor can you be eligible for a government or employer-sponsored insurance plan.
- You must choose a plan from the Silver category on the Health Insurance Marketplace.
Applying for cost-sharing assistance can significantly reduce how much you spend on health care, making it more affordable and manageable.
This is a tax credit for dollars spent on health care costs. Based on your family size and income, it can save you money:
- You can apply for the tax credit when you sign up for insurance.
And unlike credits claimed when you file your taxes, the credit can be used right away to lower monthly premium costs.
Learn more about premium tax credits.
Both programs reward members who strive to live healthy lifestyles. They offer deals on products and services that help you stay healthy for less.
Blue365®
BCBSMT members can find deals in six main categories:
- Apparel and Footwear
- Fitness
- Hearing and Vision
- Home and Family
- Nutrition
- Personal Care
Examples of discounts include: outdoor clothing and athletic shoes, gyms, classes and trackers, glasses and contacts, dental services, vitamins and wearables, snack bars, weight loss programs and meal delivery services, and mindfulness classes and fitness products.
To start saving, log in to the Blue365 site. If you don’t already have an account, it’s easy to create one. Be sure your member ID card is handy when setting up your account.
Well onTarget
Well onTarget gives you 24/7 access to a secure member portal that puts personalized tools and resources at your fingertips, including a fitness program, coaching and a rewards program.
BCBSMT has a broad network of preferred pharmacies. To use your benefits, simply find a local contracting pharmacy and show your member ID card.
Value Pharmacy Network (PPN)
- Some members may have a Value pharmacy as part of their prescription drug plan.
- If included in your benefits, be sure to fill your prescriptions at these pharmacies.
- When you visit a preferred pharmacy, you’ll get the lowest copay or coinsurance amount.
Learn more about Value pharmacies.
Do they work?
Yes, they do. FSAs and HSAs help pay medical expenses while offering tax-savings benefits. Here’s one way they can help you make the most of your health care dollars:
If your health plan requires you to meet a deductible before it starts paying, the upfront, out-of-pocket cost could be expensive – several hundred dollars or more if you’re seeing a specialist.
- HSAs and FSAs cover these out-of-pocket costs. They are funded by pre-tax dollars.
- At the end of the year, you also have a lower reported income due to the money placed in these accounts.
Benefits of an HSA
- Some employers even contribute to your HSA.
- If you don’t use all the money in your account by the end of the year, you can roll it over. Your HSA money grows from year-to-year and never expires.
- Plus, you get to keep all the interest. You can even take your money with you if you retire, change jobs or move to another city.
What Isn’t Covered by an HSA?
- While your money rolls over year to year … Your HSA may not cover a major medical expense.
- An HSA isn’t an emergency piggy bank. There are penalties if you use it to cover non-qualified medical expenses.
FSA Limitations
If you have extra money in your account at the end of the year, you lose it. Rollover limits can vary and employers decide to allow it or cap it at a lower amount. Your employer owns the account, and you can’t take the funds with you if you change jobs or retire.
Which Should I Choose?
Your choice depends on the level of coverage that’s right for you. If you are not managing ongoing medical treatment and you want the ability to contribute and invest the money you save for future medical expenses, an HDHP/HSA combination may be right for you. If you are managing a chronic health condition and ongoing medical expenses, a PPO and FSA might be better. Our customer advocates and your human resources department can help you decide.