COBRA Rates
If you elect continuation coverage, you do not have to send any payment for continuation coverage with the Election Form. However, you must make your first payment for continuation coverage within 45 days after the date of your election. (This is the date the Election Notice is post-marked, if mailed.) If you do not make your first payment for continuation coverage within those 45 days, you will lose all continuation coverage rights under the Plan.
Your first payment must cover the cost of the continuation coverage from the time your coverage under the State Plan would have otherwise terminated up to the time you make the first payment. You are responsible for making sure that the amount of your first payment is enough to cover this entire period.
Your first payment for continuation coverage should be sent to:
Plan Administrator
Businessolver is the COBRA Administrator for the State Plan. If you have questions about COBRA, contact Businessolver at (877) 547-6257.
2024 Employee COBRA Rates
Applies to individuals who become Qualified Beneficiaries due to loss of State Plan coverage on an active employee policy.
2024 MEDICAL plan
Medical benefits includes Medical, Prescription Drug, and Basic Vision.
| Qualified Beneficiary Only | $688.74 |
| Qualified Beneficiary and Spouse | $1,446.16 |
| Qualified Beneficiary and Child(ren) | $1,239.12 |
| Qualified Beneficiary and Family | $2,065.19 |
2024 DENTAL plan
| Qualified Beneficiary Only | $33.12 |
| Qualified Beneficiary and Spouse | $66.23 |
| Qualified Beneficiary and Child(ren) | $61.26 |
| Qualified Beneficiary and Family | $99.34 |
2024 VISION HARDWARE plan
| Qualified Beneficiary Only | $7.85 |
| Qualified Beneficiary and Spouse | $15.71 |
| Qualified Beneficiary and Child(ren) | $14.54 |
| Qualified Beneficiary and Family | $23.56 |
2024 Retiree COBRA Rates
Applies to individuals who become Qualified Beneficiaries due to loss of State Plan coverage on a retiree policy.
2024 non-medicare retiree MEDICAL plan
Medical benefits includes Medical, Prescription Drug, and Basic Vision.
| Qualified Beneficiary Only | $1,236.75 |
| Qualified Beneficiary and Child(ren) | $1,855.67 |
2024 medicare retiree MEDICAL plan
Medical benefits includes Medical, Prescription Drug, and Basic Vision.
| Qualified Beneficiary Only | $451.21 |
| Qualified Beneficiary and Child(ren) | $1,070.12 |
2024 retiree DENTAL plan
| Qualified Beneficiary Only | $33.12 |
| Qualified Beneficiary and Child(ren) | $61.26 |
2024 retiree VISION HARDWARE plan
| Qualified Beneficiary Only | $7.85 |
| Qualified Beneficiary and Child(ren) | $14.54 |
2025 Employee COBRA Rates
Applies to individuals who become Qualified Beneficiaries due to loss of State Plan coverage on an active employee policy.
2025 MEDICAL plan
Medical benefits includes Medical, Prescription Drug, and Basic Vision.
| Qualified Beneficiary Only | $681.81 |
| Qualified Beneficiary and Spouse | $1,431.79 |
| Qualified Beneficiary and Child(ren) | $1,227.25 |
| Qualified Beneficiary and Family | $2,045.42 |
2025 DENTAL plan
| Qualified Beneficiary Only | $32.64 |
| Qualified Beneficiary and Spouse | $65.29 |
| Qualified Beneficiary and Child(ren) | $60.39 |
| Qualified Beneficiary and Family | $97.93 |
2025 VISION HARDWARE plan
| Qualified Beneficiary Only | $7.71 |
| Qualified Beneficiary and Spouse | $15.43 |
| Qualified Beneficiary and Child(ren) | $14.27 |
| Qualified Beneficiary and Family | $23.14 |
2025 Retiree COBRA Rates
Applies to individuals who become Qualified Beneficiaries due to loss of State Plan coverage on a retiree policy.
2025 non-medicare retiree MEDICAL plan
Medical benefits includes Medical, Prescription Drug, and Basic Vision.
| Qualified Beneficiary Only | $1,275.70 |
| Qualified Beneficiary and Child(ren) | $1,913.55 |
2025 medicare retiree MEDICAL plan
Medical benefits includes Medical, Prescription Drug, and Basic Vision.
| Qualified Beneficiary Only | $465.63 |
| Qualified Beneficiary and Child(ren) | $1,103.49 |
2025 retiree DENTAL plan
| Qualified Beneficiary Only | $32.64 |
| Qualified Beneficiary and Child(ren) | $60.39 |
2025 retiree VISION HARDWARE plan
| Qualified Beneficiary Only | $7.71 |
| Qualified Beneficiary and Child(ren) | $14.27 |
Life Insurance
Plan Members who lose eligibility for group life insurance coverage with the State of Montana Benefit Plan (State Plan) are eligible to port or convert their life insurance coverage to an individual policy with BlueCross BlueShield of Montana (BCBSMT) by making application to BCBSMT. The deadline to apply and pay premium for portability is 31 days after employment terminates. For conversion, the deadline to apply and pay premiums is 31 days after coverage was reduced or ended. Please note the termination date for employment may differ from the termination date for coverage.
Portability allows eligible insured employees to "port" (or buy) Group Life Insurance coverage when they are losing coverage because their employment is being voluntarily or involuntarily terminated. The portable group insurance coverage offers group term life for members and their dependents.
Conversion allows eligible insured employees to convert some or all of their Group Life coverage to an individual whole Life insurance policy when their coverage is reduced or terminated for any reason other than non-payment of premiums.
Contact BCBSMT Monday - Friday 6 am - 6 pm MST at (866) 739-4090.