Get the Right Coverage - ehealthinsurance.com

1 Get the Right CoverageCall 855-593-1515, visit or contact an independent Blue Cross and Blue Shield of Montana agent to get a quote is Full of Important ChoicesSome choices require more thought than others. When it comes to health insurance, it is important to make the Right Cross and Blue Shield of Montana (BCBSMT), has been around for more than 75 years*. The Cross and Shield represent one of the most experienced health care Coverage companies in the state, and we have been the Right choice for generations of people from of the benefits of selecting a health insurance plan from BCBSMT include: Choice of many doctors and hospitals Prescription drug Coverage , including a mail-order program Coverage for many preventive care services** Mental health and substance use disorder benefits and services Choice of deductibles Health and wellness programs included with every plan Useful member-only website with tools to help you manage your coverageNotice Regarding Your Benefits To obtain information about covered and non-covered benefits, go to , contact your independent Blue Cross and Blue Shield of Montana agent or call our Sales Center toll-free at 855-593-1515.

2 * Blue Cross and Blue Shield of Montana was founded in 1940.** Many preventive services are covered at 100%. Refer to the Outline of Coverage for benefit will not be discriminated against for Coverage under this policy based on your race, color, national origin, disability, age, sex, gender identity or sexual is Full of Important ChoicesDo You Qualify for Financial Assistance? Based on your income, family size and the health plan you choose, you may qualify for federal financial assistance when you buy a plan through the Health Insurance Marketplace in Montana. This could reduce or even eliminate your cost for your monthly premium. You can see if you are eligible by visiting the Marketplace. How Do You Sign Up for Health Coverage ? When you are ready to choose your health plan, go to , where you can compare all our plans.

3 Choose the one that works best for you and your you qualify for cost assistance, you will need to go directly to the Marketplace. You will see many choices for health Coverage and can compare your options. After you learn about possible cost assistance and then choose a plan, you will see how much your share will be. If you have more questions about the Affordable Care Act, you can visit of people have received health care Coverage under the Affordable Care Act (ACA). Here are three things you should know:The Affordable Care Act and YouYou may need to get Affordable Care Act requires most Americans to have health Coverage . Not signing up for a 2016 health plan may result in a federal tax penalty. The penalties are expected to increase each can get health care law creates options for many people to get Coverage .

4 And, you won t be turned down because of a pre-existing health condition, such as asthma, heart disease or may get help paying for income and family size mayqualify you for cost assistance,including a tax credit that lowersyour monthly premium cost, andcost-sharing assistance to loweryour out-of-pocket MTQUALIFY to 33633 to see if you qualify for federal financial assistance. Message and data rates may apply. Terms and conditions and privacy policy at the choice that fits your budget and needs. Compare our plans to find the Coverage you need at the cost that works for you and your Plans to Fit Every BudgetWe have three levels of health care plans available bronze, silver and gold. Each plan has different benefits and costs, so be sure to choose the one that fits your needs best.

5 All plans include the same essential health are Essential Health Benefits?The Affordable Care Act requires that all health insurance plans sold on the Marketplace must cover certain basic services that are considered essential to good health. These include: Choosing a Health Insurance Plan Emergency services Prescription drugs Hospitalization Maternity and newborn care Rehabilitative services and devices Ambulatory services Laboratory services Mental health/substance use disorder benefits and services Preventive/wellness services and chronic disease management Pediatric servicesSILVER PLANS70% coverageYou pay 30%Higher premium costs than Bronze plansLower out-of-pocket costs than Bronze plansPlan paysYou pay$BRONZE PLANSL owest premium costsHigher out-of-pocket costs when you receive care60% coverageYou pay 40%Plan paysYou pay$GOLD PLANS80% coverageYou pay 20%Higher premium costs than Silver plansLower out-of-pocket costs than Silver plansPlan paysYou pay$3 Offering You More ChoicesFind the doctor you want.

6 Each BCBSMT plan comes with a choice of providers. And with a choice of Montana doctors and hospitals in our networks, chances are good that your current health care providers are Preferred PPOSM and Blue Focus POSSMBCBSMT offers two types of plans Blue Preferred PPO and Blue Focus POS. Here s an overview of how these BCBSMT plans work:Networks vary and may not include every doctor or hospital in your area, so it is important to research your plan s network before you from Prescription Drug Coverage , Included in All Our PlansCost savings: You pay less when you choose generic medicines from our drug list. Talk to your doctor about what is Right for you. Convenience: Your benefits will work at a number of pharmacies. You may have a better benefit at some pharmacies than others. Visit to search for pharmacies that may provide the most cost savings.

7 Time savings: Maintenance medications are those drugs you take on a regular basis. You can have up to a 90-day supply of these medications delivered directly to you through PrimeMail or at a network of select retail pharmacies. Online resources: You can search the drug list, find a pharmacy, see your claims and get an estimate of your cost for a medication 24/7 by logging in to Blue Access for MembersSM at May have lower premium costs May help keep your costs lower and more predictable A primary care physician (PCP) will coordinate your health careBlue Focus Bronze POSSM$PremiumChoice of Doctors$ May have higher monthly premiums than POS plans A network of doctors and hospitals to choose fromBlue Preferred Bronze PPOSMP remiumChoice of Doctors$Blue Focus POS is only offered in a limited area.

8 In network providers and pharmacies may be limited to this area only. Please visit , call 855-593-1515 or speak with an independent agent for more informationGet Help Paying for Your InsuranceSome people may be able to get help paying for their health care Coverage , from assistance with premiums to lower out-of-pocket costs when you get care. This will depend on the size of your family and your income level. Learn more at you are Native American, the cost-sharing amounts and income levels may be different. Please call 855-593-1515 or contact an independent Blue Cross and Blue Shield of Montana agent for more QUALIFIES FOR FINANCIAL ASSISTANCE? 2015 amounts shownIndividuals with a yearly income under $46,680 Couples with a yearly income under $62,920 Families of four with a yearly income under $95,400 Families of five with a yearly income under $111,640$62,920$95,400$111,640$46,680Is an HSA* (Health Savings Account) Right for You?

9 An HSA is a special savings account that you can use to cover a wide range of qualified medical expenses. An HSA allows you to take charge of your health and be responsible for how you spend your health care dollars. For many people, using an HSA is an effective way to manage the costs of health care. Not all plans are HSA compatible. Visit or speak with an independent agent to learn : Certain individuals who receive cost-sharing reductions under their benefit plan that have the effect of reducing the deductible below the federal government s minimum deductible may not be eligible to contribute to a Health Savings Account. Please consult your tax adviser for more Care Services That Work for YouTo ensure the appropriate use of medical services, we provide utilization management and case management services.

10 Information regarding services that require preauthorization or how to preauthorize is made available on or by calling the toll-free Customer Service telephone number. In addition, female members can receive specialized care from an OB-GYN from the same network as the primary care physician (PCP) without a * As a reminder, a Health Savings Account (HSA) has tax and legal ramifications. Blue Cross and Blue Shield of Montana does not provide legal or tax advice and nothing herein should be construed as legal or tax advice. These materials, and any tax-related statements in them, are not intended or written to be used, and cannot be used or relied on for the purpose of avoiding tax penalties. Tax-related statements, if any, may have been written in connection with the promotion or marketing of the transaction(s) or matter(s) addressed by these materials.