Health Care & Benefits Division

2023 STATE PLAN RATES

HCBD 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, BlueCross BlueShield of Montana (BCBSMT) is the administrator for medical benefits and VSP Vision Care is the administrator for vision plan benefits. 

 

2023 State Employee Monthly Contribution Cost 

No change to employee contributions since 2017! Medical benefits includes Medical, Prescription Drug, Basic Vision, and Basic Life Insurance. 

Plans Medical 

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 increased 4% from Plan Year 2022 to 2023. Medical benefits includes Medical, Prescription Drug, Basic Vision, and Basic Life Insurance. 

Plans

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 increased 4% from Plan Year 2022 to 2023. Medical benefits includes Medical, Prescription Drug, and Basic Vision. 

Plans

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

Retiree Dental plan rates had a small increase from Plan Year 2022 to 2023. 

 Plans

Monthly Rate

Retiree Only

$42.37

Retiree & Spouse

$63.77

Retiree & Children

$62.27

Retiree & Family

$71.27

 

2023 Retiree Vision Hardware Rates

No increase in Vision Hardware plan rates from Plan Year 2022 to 2023. If you elect Vision Hardware coverage, it will be for everyone who's covered on your medical plan.

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