Health Care & Benefits Division

State of Montana Benefit Plan 2023 Rates

The Health Care & Benefits Division works with an independent actuary to set the rates every year. The State of Montana Benefit Plan is self-funded. In order to make sure there is always enough money available to cover State Plan costs, we project claims expenses, administrative fees, and other plan costs for the coming plan year, and determine the amount of contributions needed to cover these estimated costs and maintain an adequate reserve. Since the State Plan is self-funded, the third party administrators, like BlueCross BlueShield of Montana and Navitus, bear no financial risk related to claims expense. Therefore, the State is able set the rates, knowing the historical plan costs.

 

Effective January 1, 2023 the State Plan will have new administrators for medical and vision benefits. BlueCross BlueShield of Montana (BCBSMT) will administer the medical benefits and VSP Vision Care will administer the vision plan benefits. 

 

2023 State Employee Monthly Contribution Cost

There are no changes to employee State Plan contributions! BlueCross BlueShield of Montana (BCBSMT) will administer the medical benefits. Medical plan benefits are not changing. Meaning, there are no changes to member deductibles, benefit percentages, office visit/urgent care co-payments or out-of-pocket maximums.

Plans Medical Benefits
(Includes Medical, Prescription, Basic Vision,
and Basic Life Insurance)

Dental

Vision Hardware Potential
Live Life Well Incentive
Employee Only $30.00 $0.00 +$7.64 up to $30 off
Employee & Spouse $250.00 +$21.40 +$14.42 up to $60 off
Employee & Child(ren) $101.00 +$19.90 +$15.18 up to $30 off
Employee & Family $327.00 +$28.90 +$22.26 up to $60 off
Joint Core $30.00 per employee (Includes Family Dental) $0.00

+$22.26
(Primary
Member Only)

up to $30 off

Other 2023 Employee Benefit Costs

 

2023 Non-Medicare (Under 65) Retiree Medical Plan Rates

Non-Medicare medical plan rates will increase 4%. 

Monthly Rate

Live Life Well Incentive

Non-Medicare Retiree Only

$1,332 up to $30 off

Non-Medicare Retiree & Non-Medicare Spouse

$2,125 up to $60 off
Non-Medicare Retiree & Medicare Spouse $1,553 up to $60 off

Non-Medicare Retiree & Child(ren)

$1,719 up to $30 off

Non-Medicare Retiree, Non-Medicare Spouse & Child(ren)

$2,362 up to $60 off

Non-Medicare Retiree, Medicare Spouse & Child(ren)

$1,974 up to $60 off

 

2023 Medicare (Over 65) Retiree Medical Plan Rates

Medicare medical plan rates will increase 4%. 

Monthly Rate

Live Life Well Incentive

Medicare Retiree Only

$484 up to $30 off

Medicare Retiree & Non-Medicare Spouse

$1,308 up to $60 off
Medicare Retiree & Medicare Spouse $862 up to $60 off

Medicare Retiree & Child(ren)

$809 up to $30 off

Medicare Retiree, Non-Medicare Spouse, and Child(ren)

$1,511 up to $60 off

Medicare Retiree, Medicare Spouse & Child(ren)

$1,010 up to $60 off

 

2023 Retiree Dental Rates

There will also be a small increase to dental plan rates.

 

Monthly Rate

Retiree Only

$42.37

Retiree & Spouse

$63.77

Retiree & Children

$62.27

Retiree & Family

$71.27

 

2023 Retiree Vision Hardware Rates

If you elect Vision Hardware coverage, it will be for everyone who's covered on your medical plan.

Monthly Rate
Member Only $7.64
Member & Spouse $14.42
Member & Children $15.18
Member & Family $22.26
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