Blogs

Is My Prescription a Pharmacy or Medical Benefit?

2026-07-30T14:59:00Z

It’s no secret that prescription drugs can be pricey. One of the best ways to save on the drugs you are prescribed is to make sure you understand how your health plan benefits work. A good place to start is to answer this question: Is my prescr...(read more)

Insurance Basics: Out-of-Pocket Maximum

2026-07-30T11:39:00Z

We know health care terms can be confusing. One you’re sure to run across is “out-of-pocket maximum.” What does it mean? How does it affect you and your family? How does it influence your choice of health plan? You share the cost of...(read more)

Plan Year Ending Soon? Make the Most of It

2026-07-30T10:36:00Z

If you’re the kind of person who needs a deadline to get things done, there may be a big one just around the corner. If your health plan year is ending soon, it’s a good time to review your health benefits. Doing so could be a boost to yo...(read more)

What Is Coordination of Benefits?

2026-07-28T09:13:00Z

When you need care and are on two different health insurance plans, your insurers will coordinate your benefits (COB). This helps you get maximum coverage when you need it. If you’re covered by two different health plans, your provider may file...(read more)

5 Reasons a Claim May Be Denied

2026-07-16T10:22:00Z

Believe it or not, there are only a handful of reasons that may lead to a health care service not getting approved or a claim not being paid. They fall into these five buckets. The claim has errors. Minor data errors are the most common culprit ...(read more)

What to Do if Your Claim Is Not Approved

2026-07-16T09:32:00Z

Nurse care manager Lenzy Mixon got a call from a member about a large bill he received for a stay at a skilled nursing facility. He checked with his doctor, who assured him the stay had been pre-approved by his health plan. His next call was to us. M...(read more)

HIPAA: What More Do You Need to Know?

2026-07-08T14:17:00Z

When you go to a doctor, dentist or eye doctor, you are asked to sign that you’ve seen their privacy statement. What does that mean? Thanks to the Health Insurance Portability and Accountability Act (HIPAA), you are reminded at each visit...(read more)

Staying In-Network Can Help Cut Costs

2026-07-08T13:58:00Z

When you shop, you probably keep an eye on costs. You want to buy the things you need at a fair price. What about when you’re shopping for health care? Using providers in your health plan’s network can help you save money. A network inclu...(read more)

Keep Health Issues in Check with Telehealth Visits

2026-07-08T09:14:00Z

Does your health plan offer telehealth visits with doctors in your plan’s network? Now's a good time to check. It may be just what you need to stay on top of your health. During the pandemic, more health care facilities turned to telehealth vis...(read more)

Get Fit and Save in August

2026-07-06T08:07:00Z

Well onTarget, the Fitness Program and Blue PointsSM are not available to all members. Check your online account information or ask your benefits administrator to see if you have these benefits. If you’re looking to stay in shape, or get b...(read more)

Having Trouble Setting Up Your Premium Payments?

2026-06-29T16:50:28Z

We encourage members to make payments by electronic funds transfer and to set up monthly premium payments using Auto Bill Pay electronic funds transfers. When you’re first getting started, using electronic funds transfer helps us process your e...(read more)

Preventive Care or Medical Care? Learn the Difference

2026-06-09T00:05:00Z

Many people may not know that there are two types of care you can receive when you go to the doctor — preventive care and medical care. The type of care is different, and your costs may be different, too. Medical Care vs. Preventive Care Think ...(read more)

Save Money on Health and Fitness Products with Blue365

2026-06-08T16:48:00Z

If you’re looking for some great discounts on health-related products and services, check out the Blue365® program. It’s just one more advantage of being a Blue Cross and Blue Shield of Montana member. You and your covered family memb...(read more)

Traveler’s Checklist: Protect Your Health While You Travel

2026-05-21T09:27:00Z

Vacation sounds good right about now. And whatever kind of vacation you like, there’s one thing that makes it go better – planning. Planning helps your road trip skip the bumps in the road. Planning helps you avoid turbulence, even once y...(read more)

Find a Doctor Who's a Good Fit for You

2026-05-04T19:01:00Z

Sometimes you know it’s time for a change. But what if that change involves finding a new primary care doctor? Maybe you’ve moved, and it’s a long drive to your current doctor. Perhaps you’ve had changes in your health or life...(read more)