Group Coverage

For a free analysis of your group health insurance options, please call 855-447-2900. Montana Health CO-OP offers you and your employees affordable Montana health insurance plans accepted by doctors and hospitals across the state. And because we are a true nonprofit, our coverage offers an affordable, new choice for large businesses, and small businesses with 50 or less employees.

We say, “It all comes back to you” because it does—by federal regulation, all our profits must be returned to our members in the form of lower premiums, better benefits or improvements in health quality. If you’d like to join us, below are some details about the plans we offer to businesses. Please feel free to call us, or call your broker, to learn more about how our coverage can help your business.

We offer two main categories of plans:

Connected Care Coverage

  • Our most affordable plans.
  • Emphasizing preventive healthcare and accepted statewide. (Limited provider choices in Billings and Missoula.)
  • Choose a Connected Care plan if having the lowest monthly premium is most important to you.
  • View Group Connected Care coverage documents

Access Care Coverage

  • Featuring a wide range of in-network providers.
  • Standard PPO (preferred provider organization) plans available statewide.
  • Choose an Access Care plan if having the widest choice of providers is most important to you.
  • View Group Access Care coverage documents

Details about our health insurance plans for Montana employers

For more information, fill out this quick form or call us at 855-447-2900.

Below is an overview of some key benefits for each of our small group coverage plans (in-network benefits only shown below). Feel free to click here to download a more detailed look, or call us, or your broker, to find out more.

Plan Overview (in-network only)

$ = least expensive

Deductible

Individual/ Family

Out of Pocket Max:

Individual/ Family

Office Visits:

Primary/ Specialist

Preventive Care
Maternity
Rx:

Tier 0 / Generic / Preferred Brand / Non-Preferred Brand / Specialty

ER visit
Inpatient hospital, surgery, diagnostic tests
Bronze Connected Care: $ $7,200/ $14,400 $7,900/ $15,800 $60 copay per visit after deductible/ 60% after deductible $0 60% after deductible $0/$15 after deductible/$125 after deductible/$160 after deductible/$185 after deductible 60% per visit after deductible 60% after deductible
Bronze Plus Connected Care: $ $6,750/ $13,500 $6,750/ $13,500 0% after deductible/0% after deductible $0 0% after deductible $0/0% after deductible/0% after deductible/0% after deductible/0% after deductible 0% after deductible 0% after deductible
Expanded Bronze Connected Care: $ $5,000/ $10,000 $7,900/ $15,800 $60 copay per visit/$75 copay per visit $0 50% after deductible $0/10% coinsurance after deductible/35% coinsurance after deductible/45% coinsurance after deductible/60% coinsurance after deductible 50% after deductible 50% after deductible
Silver Option 2 Connected Care: $$ $5,700/ $11,400 $7,350/ $14,700 $40 copay per visit after deductible/ $50 copay per visit after deductible $0 40% after deductible $0/20% coinsurance/30% coinsurance/40% coinsurance/50% coinsurance 40% after deductible 40% after deductible
Silver Connected Care: $$ $3,000/ $6,000 $7,900/ $15,800 $35 copay per visit after deductible/ $65 copay after deductible $0 40% after deductible $0/10% coinsurance/30% coinsurance/40% coinsurance/50% coinsurance 40% after deductible 40% after deductible
Silver Plus Connected Care: $$ $4,400/ $8,800 $4,400/ $8,800 0% after deductible/0% after deductible $0 0% after deductible 0% after deductible 0% after deductible 0% after deductible
Gold Connected Care: $$$ $750/ $1,500 $6,000/ $12,000 $30 copay per visit/ $40 copay per visit $0 30% after deductible $0/10% coinsurance/25% coinsurance/30% coinsurance/40% coinsurance 30% after deductible 30% after deductible
Bronze Access Care: $ $7,200/ $14,400 $7,900/ $15,800 $60 copay per visit after deductible/ $75 copay per visit after deductible $0 60% after deductible $0/$15 per drug after deductible/$125 per drug after deductible/$160 per drug after deductible/$185 per drug after deductible 60% after deductible 60% after deductible
Bronze Plus Access Care: $ $6,750/ $13,500 $6,750/ $13,500 0% after deductible/0% after deductible $0 0% after deductible $0/$0/$0/$0/$0 0% after deductible 0% after deductible
Expanded Bronze Access Care: $ $5,000/ $10,000 $7,900/ $15,800 $60 copay per visit/ $75 copay per visit $0 60% after deductible $0/10% coinsurance after deductible/30% coinsurance after deductible/45% coinsurance after deductible/50% coinsurance after deductible 60% after deductible 60% after deductible
Silver Access Care: $$ $2,750/ $5,500 $7,900/ $15,800 $35 copay per visit after deductible/ $60 copay per visit after deductible $0 40% after deductible $0/10% coinsurance/30% coinsurance/45% coinsurance/50% coinsurance 40% after deductible 40% after deductible
Gold Access Care: $$$ $950/ $1,900 $5,750/ $11,500 $30 copay per visit/$40 copay per visit $0 30% after deductible $0/10% coinsurance/25% coinsurance/30% coinsurance/45% coinsurance 30% after deductible 30% after deductible
Plan Overview (in-network only)

$ = least expensive

Deductible

Individual/ Family

Out of Pocket Max:

Individual/ Family

Bronze Connected Care: $ $7,200/ $14,400 $7,350/ $14,700
Bronze Plus Connected Care: $ $6,650/ $13,300 $6,650/ $13,300
Expanded Bronze Connected Care: $ $5,000/ $10,000 $7,200/ $14,400
Silver Option 2 Connected Care: $$ $5,700/ $11,400 $7,100/ $14,200
Silver Connected Care: $$ $2,150/ $4,300 $7,350/ $14,700
Silver Plus Connected Care: $$ $3,600/ $7,200 $3,600/ $7,200
Gold Connected Care: $$$ $750/ $1,500 $6,000/ $12,000
Bronze Access Care: $ $7,200/ $14,400 $7,350/ $14,700
Bronze Plus Access Care: $ $6,650/ $13,300 $6,650/ $13,300
Expanded Bronze Access Care: $ $5,000/ $10,000 $7,000/ $14,000
Silver Access Care: $$ $2,750/ $5,500 $7,350/ $14,700
Gold Access Care: $$$ $950/ $1,900 $5,750/ $11,500
Plan Overview (in-network only)

$ = least expensive

Office Visits:

Primary/ Specialist

Preventive Care
Bronze Connected Care: $ $60 copay per visit after deductible/ 60% after deductible $0
Bronze Plus Connected Care: $ 0% after deductible/0% after deductible $0
Expanded Bronze Connected Care: $ $60 copay per visit/$75 copay per visit $0
Silver Option 2 Connected Care: $$ $40 copay per visit after deductible/ $50 copay per visit after deductible $0
Silver Connected Care: $$ $35 copay per visit after deductible/ $65 copay per visit after deductible $0
Silver Plus Connected Care: $$ 0% after deductible/ 0% after deductible $0
Gold Connected Care: $$$ $30 copay per visit/ $40 copay per visit $0
Bronze Access Care: $ $60 copay per visit after deductible/$75 copay per visit after deductible $0
Bronze Plus Access Care: $ 0% after deductible/ 0% after deductible $0
Expanded Bronze Access Care: $ $60 copay per visit/ $75 copay per visit $0
Silver Access Care: $$ $35 copay per visit after deductible/ $60 copay per visit after deductible $0
Gold Access Care: $$$ $30 copay per visit/ $40 copay per visit $0
Plan Overview (in-network only)

$ = least expensive

Maternity
Rx:

Tier 0/Generic/Preferred Brand/Non-Preferred Brand/Specialty

Bronze Connected Care: $ 60% after deductible $0/$15/$125/ $160/$185
Bronze Plus Connected Care: $ 0% after deductible $0/0% after deductible
Expanded Bronze Connected Care: $ 50% after deductible $0/10%/35%/45%/60%
Silver Option 2 Connected Care: $$ 40% after deductible $0/20%/30%/ 40%/50%
Silver Connected Care: $$ 40% after deductible $0/10%/30%/ 40%/50%
Silver Plus Connected Care: $$ 0% after deductible $0/0% after deductible
Gold Connected Care: $$$ 30% after deductible $0/10%/25%/ 30%/40%
Bronze Access Care: $ 60% after deductible $0/$15/$125/ $160/$185
Bronze Plus Access Care: $ 0% after deductible $0/0% after deductible
Expanded Bronze Access Care: $ 0% after deductible $0/10%/20%/ 30%/40%
Silver Access Care: $$ 40% after deductible $0/10%/30%/ 45%/50%
Gold Access Care: $$$ 30% after deductible $0/10%/25%/ 30%/45%
Plan Overview (in-network only)

$ = least expensive

ER visit
Inpatient hospital, surgery, diagnostic tests
Bronze Connected Care: $ 60% after deductible 60% after deductible
Bronze Plus Connected Care: $ 50% after deductible 50% after deductible
Expanded Bronze Connected Care: $ $250 copay per visit 50% after deductible
Silver Option 2 LINK Connected: $$ $200 copay per visit 40% after deductible
Silver LINK Connected: $$ $200 copay per visit 40% after deductible
Silver Plus Connected Care: $$ 0% after deductible 0% after deductible
Gold Connected Care: $$$ $200 copay per visit 30% after deductible
Bronze Access Care: $ 60% after deductible 60% after deductible
Bronze Plus Access Care: $ 0% after deductible 0% after deductible
Expanded Bronze Access Care: $ 60% after deductible 60% after deductible
Silver Access Care: $$ 40% after deductible 40% after deductible
Gold Access Care: $$$ 30% after deductible 30% after deductible

See if your preferred doctors and hospitals are in our networks

If you’d like to browse our extensive list of doctors and hospitals, look up your providers here. In-network providers offer you and your employees the most savings. Out-of-network providers will cost more.

Details about our health insurance plans for Montana employers

For more information, fill out this quick form or call us at 855-447-2900.

Below is an overview of some key benefits for each of our small group coverage plans (in-network benefits only shown below). Feel free to click here to download a more detailed look, or call us, or your broker, to find out more.

Plan Overview (in-network only)

$ = least expensive

Deductible

Individual/ Family

Out of Pocket Max:

Individual/ Family

Office Visits:

Primary/ Specialist

Preventive Care
Maternity
Rx:

Tier 0 / Generic / Preferred Brand / Non-Preferred Brand / Specialty

ER visit
Inpatient hospital, surgery, diagnostic tests
Bronze Connected Care: $ $7,200/ $14,400 $7,350/ $14,700 $60 copay per visit after deductible/ 60% after deductible $0 60% after deductible $0/$15/$125/$160/$185 60% per visit after deductible 60% after deductible
Bronze Plus Connected Care: $ $6,650/ $13,300 $6,650/ $13,300 0% after deductible/0% after deductible $0 0% after deductible $0/0% after deductible/0% after deductible/0% after deductible/0% after deductible 0% after deductible 0% after deductible
Expanded Bronze Connected Care: $ $5,000/ $10,000 $7,200/ $14,400 $60 copay per visit/$75 copay per visit $0 50% after deductible $0/10% coinsurance after deductible/35% coinsurance after deductible/45% coinsurance after deductible/60% coinsurance after deductible $250 copay per visit after deductible 50% after deductible
Silver Option 2 Connected Care: $$ $5,700/ $11,400 $7,100/ $14,200 $40 copay per visit after deductible/ $50 copay per visit after deductible $0 40% after deductible $0/20% coinsurance/30% coinsurance/40% coinsurance/50% coinsurance $200 copay per visit after deductible 40% after deductible
Silver Connected Care: $$ $2,150/ $4,300 $7,350/ $14,700 $35 copay per visit after deductible/ $65 copay after deductible $0 40% after deductible $0/10% coinsurance/30% coinsurance/40% coinsurance/50% coinsurance $200 copay after deductible 40% after deductible
Silver Plus Connected Care: $$ $3,600/ $7,200 $3,600/ $7,200 0% after deductible/0% after deductible $0 0% after deductible 0% after deductible 0% after deductible 0% after deductible
Gold Connected Care: $$$ $750/ $1,500 $6,000/ $12,000 $30 copay per visit/ $40 copay per visit $0 30% after deductible $0/10% coinsurance/25% coinsurance/30% coinsurance/40% coinsurance $200 copay per visit 30% after deductible
Bronze Access Care: $ $7,200/ $14,400 $7,350/ $14,700 $60 copay per visit/ $75 copay per visit $0 60% after deductible $0/$15/$125/$160/$185 60% after deductible 60% after deductible
Bronze Plus Access Care: $ $6,650/ $13,300 $6,650/ $13,300 0% after deductible/0% after deductible $0 0% after deductible $0/$0/$0/$0/$0 0% after deductible 0% after deductible
Expanded Bronze Access Care: $ $5,000/ $10,000 $7,000/ $14,000 $60 copay per visit/ $75 copay per visit $0 60% after deductible $0/10% coinsurance/30% coinsurance/45% coinsurance/50% coinsurance 60% after deductible 60% after deductible
Silver Access Care: $$ $2,750/ $5,500 $7,350/ $14,700 $35 copay per visit after deductible/ $60 copay per visit after deductible $0 40% after deductible $0/10% coinsurance/30% coinsurance/45% coinsurance/50% coinsurance 40% after deductible 40% after deductible
Gold Access Care: $$$ $950/ $1,900 $5,750/ $11,500 $30 copay per visit/$40 copay per visit $0 30% after deductible $0/10% coinsurance/30% coinsurance/45% coinsurance/50% coinsurance 30% after deductible 30% after deductible
Plan Overview (in-network only)

$ = least expensive

Deductible

Individual/ Family

Out of Pocket Max:

Individual/ Family

Bronze Connected Care: $ $7,200/ $14,400 $7,350/ $14,700
Bronze Plus Connected Care: $ $6,650/ $13,300 $6,650/ $13,300
Expanded Bronze Connected Care: $ $5,000/ $10,000 $7,200/ $14,400
Silver Option 2 Connected Care: $$ $5,700/ $11,400 $7,100/ $14,200
Silver Connected Care: $$ $2,150/ $4,300 $7,350/ $14,700
Silver Plus Connected Care: $$ $3,600/ $7,200 $3,600/ $7,200
Gold Connected Care: $$$ $750/ $1,500 $6,000/ $12,000
Bronze Access Care: $ $7,200/ $14,400 $7,350/ $14,700
Bronze Plus Access Care: $ $6,650/ $13,300 $6,650/ $13,300
Expanded Bronze Access Care: $ $5,000/ $10,000 $7,000/ $14,000
Silver Access Care: $$ $2,750/ $5,500 $7,350/ $14,700
Gold Access Care: $$$ $950/ $1,900 $5,750/ $11,500
Plan Overview (in-network only)

$ = least expensive

Office Visits:

Primary/ Specialist

Preventive Care
Bronze Connected Care: $ $60 copay per visit after deductible/ 60% after deductible $0
Bronze Plus Connected Care: $ 0% after deductible/0% after deductible $0
Expanded Bronze Connected Care: $ $60 copay per visit/$75 copay per visit $0
Silver Option 2 Connected Care: $$ $40 copay per visit after deductible/ $50 copay per visit after deductible $0
Silver Connected Care: $$ $35 copay per visit after deductible/ $65 copay per visit after deductible $0
Silver Plus Connected Care: $$ 0% after deductible/ 0% after deductible $0
Gold Connected Care: $$$ $30 copay per visit/ $40 copay per visit $0
Bronze Access Care: $ $60 copay per visit after deductible/$75 copay per visit after deductible $0
Bronze Plus Access Care: $ 0% after deductible/ 0% after deductible $0
Expanded Bronze Access Care: $ $60 copay per visit/ $75 copay per visit $0
Silver Access Care: $$ $35 copay per visit after deductible/ $60 copay per visit after deductible $0
Gold Access Care: $$$ $30 copay per visit/ $40 copay per visit $0
Plan Overview (in-network only)

$ = least expensive

Maternity
Rx:

Tier 0/Generic/Preferred Brand/Non-Preferred Brand/Specialty

Bronze Connected Care: $ 60% after deductible $0/$15/$125/ $160/$185
Bronze Plus Connected Care: $ 0% after deductible $0/0% after deductible
Expanded Bronze Connected Care: $ 50% after deductible $0/10%/35%/45%/60%
Silver Option 2 Connected Care: $$ 40% after deductible $0/20%/30%/ 40%/50%
Silver Connected Care: $$ 40% after deductible $0/10%/30%/ 40%/50%
Silver Plus Connected Care: $$ 0% after deductible $0/0% after deductible
Gold Connected Care: $$$ 30% after deductible $0/10%/25%/ 30%/40%
Bronze Access Care: $ 60% after deductible $0/$15/$125/ $160/$185
Bronze Plus Access Care: $ 0% after deductible $0/0% after deductible
Expanded Bronze Access Care: $ 0% after deductible $0/10%/20%/ 30%/40%
Silver Access Care: $$ 40% after deductible $0/10%/30%/ 45%/50%
Gold Access Care: $$$ 30% after deductible $0/10%/25%/ 30%/45%
Plan Overview (in-network only)

$ = least expensive

ER visit
Inpatient hospital, surgery, diagnostic tests
Bronze Connected Care: $ 60% after deductible 60% after deductible
Bronze Plus Connected Care: $ 50% after deductible 50% after deductible
Expanded Bronze Connected Care: $ $250 copay per visit 50% after deductible
Silver Option 2 LINK Connected: $$ $200 copay per visit 40% after deductible
Silver LINK Connected: $$ $200 copay per visit 40% after deductible
Silver Plus Connected Care: $$ 0% after deductible 0% after deductible
Gold Connected Care: $$$ $200 copay per visit 30% after deductible
Bronze Access Care: $ 60% after deductible 60% after deductible
Bronze Plus Access Care: $ 0% after deductible 0% after deductible
Expanded Bronze Access Care: $ 60% after deductible 60% after deductible
Silver Access Care: $$ 40% after deductible 40% after deductible
Gold Access Care: $$$ 30% after deductible 30% after deductible

See if your preferred doctors and hospitals are in our networks

If you’d like to browse our extensive list of doctors and hospitals, look up your providers here. In-network providers offer you and your employees the most savings. Out-of-network providers will
cost more.

Details about our health insurance plans for Montana employers

For more information, fill out this quick form or call us at 855-447-2900.

Below is an overview of some key benefits for each of our small group coverage plans (in-network benefits only shown below). Feel free to click here to download a more detailed look, or call us, or your broker, to find out more.

Plan Overview (in-network only)

$ = least expensive

Deductible

Individual/ Family

Out of Pocket Max:

Individual/ Family

Office Visits:

Primary/ Specialist

Preventive Care
Maternity
Rx:

Tier 0 / Generic / Preferred Brand / Non-Preferred Brand / Specialty / Non-Preferred Specialty

ER visit
Inpatient hospital, surgery, diagnostic tests
Gold Connected Care: $$$ $750/ $1,500 $5,750/ $11,500 $25 copay per visit/ $40 copay per visit $0 30% after deductible Per drug: $0/20%/25%/45%/45%/45% $200 copay per visit 30% after deductible
Gold Access Care: $$$ $800/ $1,600 $4,750/ $9,500 $40 copay per visit $0 30% after deductible Copay per drug:
$0/$10/$30/$60/$75/$225
30% after deductible 30% after deductible
Plan Overview (in-network only)

$ = least expensive

Deductible

Individual/ Family

Out of Pocket Max:

Individual/ Family

Gold Connected Care: $$$ $750/ $1,500 $5,750/ $11,500
Gold Access Care: $$$ $800/ $1,600 $4,750/ $9,500
Plan Overview (in-network only)

$ = least expensive

Office Visits:

Primary/ Specialist

Preventive Care
Gold Connected Care: $$$ $25 copay per visit/ $40 copay per visit $0
Gold Access Care: $$$ $40 copay per visit/ $40 copay per visit $0
Plan Overview (in-network only)

$ = least expensive

Maternity
Rx:

Tier 0 / Generic/Preferred Brand/Non-Preferred Brand/Specialty/Non-Preferred Specialty

Gold Connected Care: $$$ 30% after deductible Per drug: $0 / 20% / 25% / 45% / 45% / 45%
Gold Access Care: $$$ 30% after deductible Per drug: $0 / $10 / $30 / $60 / $75 / $225
Plan Overview (in-network only)

$ = least expensive

ER visit
Inpatient hospital, surgery, diagnostic tests
Gold Connected Care: $$$ $200 copay per visit 30% after deductible
Gold Access Care: $$$ 30% after deductible 30% after deductible

See if your preferred doctors and hospitals are in our networks

If you’d like to browse our extensive list of doctors and hospitals, look up your providers here. In-network providers offer you and your employees the most savings. Out-of-network providers will cost more.