Sold outside the marketplace. This plan is bought directly from the insurer, so it is not eligible for a premium tax credit. If your income qualifies you for savings, a marketplace plan at the same price will usually cost you less.
Blue Focus Gold POS℠ 207
Blue Cross and Blue Shield of Montana · 2026 plan year
Gold
- Ind. deductible
- $250
- Family deductible
- $500
- Ind. OOP max
- $8,900
- Family OOP max
- $17,800
Other cost-sharing reduction variants for this plan:
More Blue Cross and Blue Shield of Montana plans in MT
Monthly premiums by age
Rating Area 2
| Age | Individual | Individual + tobacco |
|---|---|---|
| Under 15 | $455 | $455 |
| 21 | $595 | $595 |
| 30 | $676 | $766 |
| 40 | $761 | $981 |
| 50 | $1,063 | $1,405 |
| 60 | $1,615 | $2,075 |
| 64 and over | $1,786 | $2,294 |
Live premium estimate
Benefits & cost sharing
Primary Care
| Benefit | In-network |
|---|---|
| Preventive Care/Screening/Immunization | No charge |
| Primary Care Visit to Treat an Injury or Illness | 20.00% Coinsurance after deductible |
Specialist
| Benefit | In-network |
|---|---|
| Specialist Visit | 40.00% Coinsurance after deductible |
Hospital
| Benefit | In-network |
|---|---|
| Emergency Room Services | 40.00% Coinsurance after deductible |
| Inpatient Hospital Services (e.g., Hospital Stay) | 40.00% Coinsurance after deductible |
| Outpatient Surgery Physician/Surgical Services | $200.00 Copay with deductible + 40.00% Coinsurance after deductible |
| Urgent Care Centers or Facilities | 40.00% Coinsurance after deductible |
Pharmacy
| Benefit | In-network |
|---|---|
| Generic Drugs | 10.00% Coinsurance after deductible |
| Non-Preferred Brand Drugs | 35.00% Coinsurance after deductible |
| Preferred Brand Drugs | 30.00% Coinsurance after deductible |
| Specialty Drugs | 45.00% Coinsurance after deductible |
Mental Health
| Benefit | In-network |
|---|---|
| Mental/Behavioral Health Inpatient Services | 40.00% Coinsurance after deductible |
| Mental/Behavioral Health Outpatient Services | 40.00% Coinsurance after deductible |
Other
| Benefit | In-network |
|---|---|
| Other Practitioner Office Visit (Nurse, Physician Assistant) | 40.00% Coinsurance after deductible |
| Abortion for Which Public Funding is Prohibited | Not covered |
| Accidental Dental | 40.00% Coinsurance after deductible |
| Acupuncture | 40.00% Coinsurance after deductible |
| Allergy Testing | 40.00% Coinsurance after deductible |
| Bariatric Surgery | Not covered |
| Basic Dental Care - Adult | Not covered |
| Basic Dental Care - Child | Not covered |
| Chemotherapy | 40.00% Coinsurance after deductible |
| Chiropractic Care | 40.00% Coinsurance after deductible |
| Cosmetic Surgery | 40.00% Coinsurance after deductible |
| Delivery and All Inpatient Services for Maternity Care | 40.00% Coinsurance after deductible |
| Dental Check-Up for Children | Not covered |
| Diabetes Education | 40.00% Coinsurance after deductible |
| Dialysis | 40.00% Coinsurance after deductible |
| Durable Medical Equipment | 40.00% Coinsurance after deductible |
| Treatment for Temporomandibular Joint Disorders | Not covered |
| Emergency Transportation/Ambulance | 40.00% Coinsurance after deductible |
| Eye Glasses for Children | 40.00% Coinsurance after deductible |
| Habilitation Services | 40.00% Coinsurance after deductible |
| Hearing Aids | 40.00% Coinsurance after deductible |
| Home Health Care Services | 40.00% Coinsurance after deductible |
| Hospice Services | No charge |
| Imaging (CT/PET Scans, MRIs) | 40.00% Coinsurance after deductible |
| Infertility Treatment | 40.00% Coinsurance after deductible |
| Infusion Therapy | $100.00 |
| Inpatient Physician and Surgical Services | 40.00% Coinsurance after deductible |
| Laboratory Outpatient and Professional Services | 40.00% Coinsurance after deductible |
| Long-Term/Custodial Nursing Home Care | Not covered |
| Major Dental Care - Adult | Not covered |
| Major Dental Care - Child | Not covered |
| Nutritional Counseling | 40.00% Coinsurance after deductible |
| Orthodontia - Adult | Not covered |
| Orthodontia - Child | Not covered |
| Outpatient Facility Fee (e.g., Ambulatory Surgery Center) | $600.00 Copay with deductible + 40.00% Coinsurance after deductible |
| Outpatient Rehabilitation Services | 40.00% Coinsurance after deductible |
| Prenatal and Postnatal Care | 20.00% Coinsurance after deductible |
| Private-Duty Nursing | Not covered |
| Prosthetic Devices | 40.00% Coinsurance after deductible |
| Radiation | 40.00% Coinsurance after deductible |
| Reconstructive Surgery | 40.00% Coinsurance after deductible |
| Rehabilitative Occupational and Rehabilitative Physical Therapy | 40.00% Coinsurance after deductible |
| Rehabilitative Speech Therapy | 40.00% Coinsurance after deductible |
| Routine Dental Services (Adult) | Not covered |
| Routine Eye Exam (Adult) | Not covered |
| Routine Eye Exam for Children | No charge |
| Routine Foot Care | 40.00% Coinsurance after deductible |
| Skilled Nursing Facility | 40.00% Coinsurance after deductible |
| Substance Abuse Disorder Inpatient Services | 40.00% Coinsurance after deductible |
| Substance Abuse Disorder Outpatient Services | 40.00% Coinsurance after deductible |
| Transplant | 40.00% Coinsurance after deductible |
| Weight Loss Programs | Not covered |
| Well Baby Visits and Care | No charge |
| X-rays and Diagnostic Imaging | 40.00% Coinsurance after deductible |
Service area
This plan covers 3 geographic areas.
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