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 |
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 |