How to choose a plan from your employer.
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Good choice if…
you’re mostly healthy already and want to keep monthly premiums relatively low so you’re willing to accept higher out-of-pocket costs.
Premium Level
Low
Average Cost Split*
You pay 40%
CO-OP pays 60%
Signature Benefits
Employer plans include our Signature Benefits.
*Cost split refers to what you pay out-of-pocket vs what your plan pays (coinsurance). Estimated average based on in-network rates for coverage tier. Plans vary. Consult the specific plan documents (listed under plan documents and details) for exact details.
Employer Plan
2024
Montana
Plus Expanded
Bronze
Deductible
$8,000
Overview*
Max out-of-pocket
$9,400
Coinsurance (you pay)
60%
Tier 1-Preferred Generic Drug
0% After Deductible
Primary Care Visit
$10 No Deductible
Specialist Visit
$100 No Deductible
Mental Health Visit
First visit $0, then $10 No Deductible
*See plan documents for most accurate and up to date details. Telehealth costs may vary.
Plan Documents
Employer Plan
2024
Montana
Plus High Deductible
Bronze
Deductible
$7,500
Overview*
Max out-of-pocket
$7,500
Coinsurance (you pay)
0%
Tier 1-Preferred Generic Drug
0% After Deductible
Primary Care Visit
0% After Deductible
Specialist Visit
0% After Deductible
Mental Health Visit
N/A or 0% After Deductible
*See plan documents for most accurate and up to date details. Telehealth costs may vary.
Plan Documents
Employer Plan
2024
Montana
Rocky Mountain
Bronze
Deductible
$8,000
Overview*
Max out-of-pocket
$9,400
Coinsurance (you pay)
60%
Tier 1-Preferred Generic Drug
0% After Deductible
Primary Care Visit
N/A
Specialist Visit
$100 No Deductible
Mental Health Visit
N/A
*See plan documents for most accurate and up to date details. Telehealth costs may vary.
Plan Documents
Employer Plan
2024
Montana
Rocky Mountain High Deductible
Bronze
Deductible
$7,500
Overview*
Max out-of-pocket
$7,500
Coinsurance (you pay)
0%
Tier 1-Preferred Generic Drug
0% After Deductible
Primary Care Visit
N/A
Specialist Visit
0% After Deductible
Mental Health Visit
N/A or 0% After Deductible
*See plan documents for most accurate and up to date details. Telehealth costs may vary.
Plan Documents
Employer Plan
2024
Montana
Access High Deductible
Bronze
Deductible
$7,500
Overview*
Max out-of-pocket
$7,500
Coinsurance (you pay)
0%
Tier 1-Preferred Generic Drug
0% After Deductible
Primary Care Visit
N/A
Specialist Visit
0% After Deductible
Mental Health Visit
N/A or 0% After Deductible
*See plan documents for most accurate and up to date details. Telehealth costs may vary.
Plan Documents
Employer Plan
2024
Montana
Access
Bronze
Deductible
$8,000
Overview*
Max out-of-pocket
$9,400
Coinsurance (you pay)
60%
Tier 1-Preferred Generic Drug
0% After Deductible
Primary Care Visit
N/A
Specialist Visit
$100 No Deductible
Mental Health Visit
N/A
*See plan documents for most accurate and up to date details. Telehealth costs may vary.
Plan Documents
Good choice if…
you anticipate needing some medical care throughout the year but not excessively, a silver plan can provide a good balance between monthly costs and out-of-pocket expenses.
Premium Level
Medium
Average Cost Split*
You pay 0%
CO-OP pays 70%
Signature Benefits
Employer plans include our Signature Benefits.
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*Cost split refers to what you pay out-of-pocket vs what your plan pays (coinsurance). Estimated average based on in-network rates for coverage tier. Plans vary. Consult the specific plan documents (listed under plan documents and details) for exact details.
Employer Plan
2024
Montana
Plus
Silver
Deductible
$6,000
Overview*
Max out-of-pocket
$9,000
Coinsurance (you pay)
40%
Tier 1-Preferred Generic Drug
$10 No Deductible
Primary Care Visit
$10 No Deductible
Specialist Visit
$75 No Deductible
Mental Health Visit
First Visit $0, then $10 No Deductible
*See plan documents for most accurate and up to date details. Telehealth costs may vary.
Plan Documents
Employer Plan
2024
Montana
Plus
Silver
Deductible
$5,500
Overview*
Max out-of-pocket
$5,500
Coinsurance (you pay)
0%
Tier 1-Preferred Generic Drug
0% After Deductible
Primary Care Visit
0% After Deductible
Specialist Visit
0% After Deductible
Mental Health Visit
0% After Deductible
*See plan documents for most accurate and up to date details. Telehealth costs may vary.
Plan Documents
Employer Plan
2024
Montana
Rocky Mountain High Deductible
Silver
Deductible
$5,500
Overview*
Max out-of-pocket
$5,500
Coinsurance (you pay)
0%
Tier 1-Preferred Generic Drug
0% After Deductible
Primary Care Visit
N/A
Specialist Visit
0% After Deductible
Mental Health Visit
0% After Deductible
*See plan documents for most accurate and up to date details. Telehealth costs may vary.
Plan Documents
Employer Plan
2024
Montana
Rocky Mountain
Silver
Deductible
$5,500
Overview*
Max out-of-pocket
$9,000
Coinsurance (you pay)
40%
Tier 1-Preferred Generic Drug
$10 No Deductible
Primary Care Visit
N/A
Specialist Visit
$75 No Deductible
Mental Health Visit
N/A
*See plan documents for most accurate and up to date details. Telehealth costs may vary.
Plan Documents
Employer Plan
2024
Montana
Access
Silver
Deductible
$5,500
Overview*
Max out-of-pocket
$9,000
Coinsurance (you pay)
40%
Tier 1-Preferred Generic Drug
$10 No Deductible
Primary Care Visit
N/A
Specialist Visit
$75 No Deductible
Mental Health Visit
N/A
*See plan documents for most accurate and up to date details. Telehealth costs may vary.
Plan Documents
Employer Plan
2024
Montana
Access High Deductible
Silver
Deductible
$5,500
Overview*
Max out-of-pocket
$5,500
Coinsurance (you pay)
0%
Tier 1-Preferred Generic Drug
0% After Deductible
Primary Care Visit
N/A
Specialist Visit
0% After Deductible
Mental Health Visit
0% After Deductible
*See plan documents for most accurate and up to date details. Telehealth costs may vary.
Plan Documents
Good choice if…
you see doctors frequently or are anticipating upcoming events such as surgery or pregnancy. Lower copays, deductibles, and out-of-pocket maximums compared to bronze or silver plans, can save you money in the long run.
Premium Level
High
Average Cost Split*
You pay 0%
CO-OP pays 80%
Signature Benefits
Employer plans include our Signature Benefits.
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*Cost split refers to what you pay out-of-pocket vs what your plan pays (coinsurance). Estimated average based on in-network rates for coverage tier. Plans vary. Consult the specific plan documents (listed under plan documents and details) for exact details.
Employer Plan
2024
Montana
Plus High Deductible
Gold High Deductible
Deductible
$3,500
Overview*
Max out-of-pocket
$3,500
Coinsurance (you pay)
0%
Tier 1-Preferred Generic Drug
0% After Deductible
Primary Care Visit
0% After Deductible
Specialist Visit
0% After Deductible
Mental Health Visit
0% After Deductible
*See plan documents for most accurate and up to date details. Telehealth costs may vary.
Plan Documents
Employer Plan
2024
Montana
Plus
Gold
Deductible
$2,000
Overview*
Max out-of-pocket
$6,500
Coinsurance (you pay)
30%
Tier 1-Preferred Generic Drug
$5 No Deductible
Primary Care Visit
$5 No Deductible
Specialist Visit
$50 No Deductible
Mental Health Visit
First Visit $0, then $5 No Deductible
*See plan documents for most accurate and up to date details. Telehealth costs may vary.
Plan Documents
Employer Plan
2024
Montana
Rocky Mountain
Gold
Deductible
$1,000
Overview*
Max out-of-pocket
$6,500
Coinsurance (you pay)
30%
Tier 1-Preferred Generic Drug
$5 No Deductible
Primary Care Visit
N/A
Specialist Visit
$50 No Deductible
Mental Health Visit
N/A
*See plan documents for most accurate and up to date details. Telehealth costs may vary.
Plan Documents
Employer Plan
2024
Montana
Rocky Mountain High Deductible
Gold
Deductible
$3,500
Overview*
Max out-of-pocket
$3,500
Coinsurance (you pay)
0%
Tier 1-Preferred Generic Drug
0% After Deductible
Primary Care Visit
0% After Deductible
Specialist Visit
0% After Deductible
Mental Health Visit
0% After Deductible
*See plan documents for most accurate and up to date details. Telehealth costs may vary.
Plan Documents
Employer Plan
2024
Montana
Access High Deductible
Gold
Deductible
$3,500
Overview*
Max out-of-pocket
$3,500
Coinsurance (you pay)
0%
Tier 1-Preferred Generic Drug
0% After Deductible
Primary Care Visit
0% After Deductible
Specialist Visit
0% After Deductible
Mental Health Visit
0% After Deductible
*See plan documents for most accurate and up to date details. Telehealth costs may vary.
Plan Documents
Employer Plan
2024
Montana
Access
Gold
Deductible
$1,000
Overview*
Max out-of-pocket
$6,500
Coinsurance (you pay)
30%
Tier 1-Preferred Generic Drug
$5 No Deductible
Primary Care Visit
N/A
Specialist Visit
$50 No Deductible
Mental Health Visit
N/A
*See plan documents for most accurate and up to date details. Telehealth costs may vary.
Plan Documents
Fine print
‘Income Eligibility Required’
Plans with this label require an income validation. Please visit your state based exchange or federally facilitated marketplace to apply for these plans.
Native American plans can only be purchased on the Exchange and you must meet eligibility requirements.
All preventive services are covered at no cost, also check our drug formulary because many preventive medications are also covered in full.
CO-OP Plus Plans are a two-tier provider network product:
Tier 1 — Participating Community Health Centers for lower office visit copays.
Tier 2 — All other Connected Care Network providers and facilities.
The Outline of Coverage (OOC) is a brief description of the important features of your policy. This is not the insurance contract and only the actual policy document will provide complete details.
Key Details:
- Outline focuses mostly on in-network and out-of-network costs
- No examples or explanations of services
The Summary of Benefits and Coverage (SBC), for most people, will probably be the most important document to examine when comparing plans and understanding coverage options.
The SBC summarizes how your plan shares the costs for covered health care services. This is a summary of the legal requirements found in the Policy.
Key Details:
- Brief descriptions of limitations, exceptions, and other important details
- Deductibles
- Copays
- Coinsurance
- More in depth than the OOC
This is a legally binding contract between us, the insurance company, and you, the policy holder.
It details the rights and obligations, of both you and those of Mountain Health Co-Op.
Key Details:
- Highly detailed explanations of all coverage and benefits
- Explains prior authorization requirements
- Lists all excluded benefits
- out-of-network options
Provider Networks are doctors, hospitals, and other healthcare facilities who have contracts with Mountain Health Co-Op to provide services at lower negotiated rates. These rates are known as In-Network rates.
Copay –
Coinsurance –
HD Plans –
Deductible –Â
Premium –
HSA Compatible –
Income Eligibility Required –Â
Get advice choosing a plan that fits.
Talk to an advisor: 855-447-2900
