2016 Montana Small Group Plans

The information on this page is for small group plans beginning January 1, 2016. Small groups in Montana are employers with one to 50 employees.

Medical Plans

All network plans are available direct with PacificSource and through HealthCare.gov, unless noted.


 

Plan

Deductible*

OOP*

Co-insurance

HSA-eligible?

SBCs and Handbooks
by Network
Summaries
by Network
  Balance Bronze 6850
$6,850
$6,850
0%
No
PSNSHN
Value Bronze 6450
$6,450
$6,450
0%
Yes
PSNSHN
Value Bronze 3500
$3,500
$6,450
50%
Yes
PSNSHN
  Balance Silver 4000
$4,000
$6,850
30%
No
PSNSHN
Balance Silver 4000 VH
$4,000
$6,850
30%
No
 PSN / SHN
Balance Silver 2500
$2,500
$6,850
30%
No
 PSNSHN
Balance Silver 2500 VH
$2,500
$6,850
30%
No
 PSNSHN
Value Silver 3600
$3,600
$3,600
0%
Yes
PSNSHN
  Balance Gold 1000
$1,000
$3,500
20%
No
PSNSHN
Balance Gold 1000 VH
$1,000
$3,500
20%
No
PSNSHN
Balance Gold HRA 3000**
$3,000
$6,850
20%
No
Balance Gold HRA 3000 VH**
$3,000
$6,850
20%
No
PSNSHN
  Balance Platinum 500
$500
$1,500
20%
No
Balance Platinum 500 VH
$500
$1,500
20%
No

*Deductible and out-of-pocket limit amounts shown above are the costs for individuals. Amounts for families are twice the individual amounts.

**Available only direct from PacificSource.

Dental Plans


  Dental Choice Core  Dental Choice Plus 0/20/50 25-1000**
Dental Choice 0/20/50 750  Dental Choice Plus 0/20/50 25-1500**
Dental Choice 0/20/50 1000**  Dental Choice Plus 0/20/50 50-1000**
Dental Choice 0/20/50 1500**  Dental Choice Plus 0/20/50 50-1500**
  Kids Dental Choice 0/20/50**   Sample Handbook Kids Dental Choice 20/40/50**   Sample Handbook
  Ortho 1000 WP**  

Voluntary Dental Option Plans

Our Voluntary Dental option is available to businesses with ten or more enrolled employees. For information and requirements, please see our Voluntary Dental flier.

  Dental Choice Core Dental Choice 0/20/50 750
Dental Choice 0/20/50 1000** Dental Choice 0/20/50 1500**

**Available only direct from PacificSource.

Brochure and Forms


Visit our Montana Forms and Materials page for more sales materials.

Network Availability


All network plans are available direct with PacificSource and through HealthCare.gov, unless noted above.

PacificSource Network (PSN)

 
 Montana The PacificSource Network (PSN) is our PPO network. It gives members the freedom to choose any participating provider any time. Members can also see providers outside of this network, but they'll pay a little more (nonparticipating benefit costs). Because members have more freedom to choose any participating doctor, PSN plans will have slightly higher premiums.

SmartHealth Network (SHN)

 
Montana

SmartHealth is a coordinated care network (CCN). A CCN is a network where members choose a primary care provider (PCP) who will work with them to help them meet their health and wellness goals. Should a member need to see a specialist, their PCP will work with them and their specialist to coordinate the care they receive. Providers and facilities in SHN are connected through common care goals and work together to provide the best possible care at the lowest possible cost for our members. Premiums for SHN plans are typically lower than those for our PSN plans.