2025 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.
2025 State Employee Monthly Contribution Cost
No changes to employee State Plan contributions since 2017! Medical benefits includes Medical, Prescription Drug, Basic Vision, and Basic Life Insurance.
| Plans | Medical Benefits |
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 2025 Employee Benefit Costs
2025 Non-Medicare Retiree Medical Plan Rates
Non-Medicare medical plan rates increased 4% from Plan Year 2024 to 2025. Medical benefits include Medical, Prescription Drug, Basic Vision, and Basic Life Insurance.
| Plans |
Monthly Rate |
Potential
Live Life Well Incentive
|
|
Non-Medicare Retiree Only |
$1,441 | up to $30 off |
|
Non-Medicare Retiree & Non-Medicare Spouse |
$2,299 | up to $60 off |
| Non-Medicare Retiree & Medicare Spouse | $1,680 | up to $60 off |
|
Non-Medicare Retiree & Child(ren) |
$1,859 | up to $30 off |
|
Non-Medicare Retiree, Non-Medicare Spouse & Child(ren) |
$2,555 | up to $60 off |
|
Non-Medicare Retiree, Medicare Spouse & Child(ren) |
$2,136 | up to $60 off |
Non-Medicare Retirees must also pay $0.63 per month for Basic Life Insurance coverage.
2025 Medicare Retiree Medical Plan Rates
Medicare medical plan rates increased 4% from Plan Year 2024 to 2025. Medical benefits include Medical, Prescription Drug, and Basic Vision.
| Plans |
Monthly Rate |
Live Life Well Incentive |
|
Medicare Retiree Only |
$524 | up to $30 off |
|
Medicare Retiree & Non-Medicare Spouse |
$1,416 | up to $60 off |
| Medicare Retiree & Medicare Spouse | $934 | up to $60 off |
|
Medicare Retiree & Child(ren) |
$875 | up to $30 off |
|
Medicare Retiree, Non-Medicare Spouse, and Child(ren) |
$1,635 | up to $60 off |
|
Medicare Retiree, Medicare Spouse & Child(ren) |
$1,094 | up to $60 off |
2025 Retiree Dental Rates
No increase in Dental plan rates from Plan Year 2024 to 2025.
|
Plans |
Monthly Rate |
|
Retiree Only |
$42.37 |
|
Retiree & Spouse |
$63.77 |
|
Retiree & Children |
$62.27 |
|
Retiree & Family |
$71.27 |
2025 Retiree Vision Hardware Rates
No increase in Vision Hardware plan rates from Plan Year 2024 to 2025. 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 |