BCBS PPO National Network
| Deductible: | $1,000 |
| Coinsurance: | 80/20 |
| Out-of-Pocket: | $3,800 |
| Primary Care Co-pay: | $25 |
| Specialist Co-Pay: | $50 |
| Medications: | Generic 10%; Brand 35% (see SBC for more details) |
| Wellness & Teledoc Visits: | No Charge |
(In-network only)
See Health Plan Outline for More Details
Principal PPO Dental Network
| Annual deductible network | Coinsurance network pays | |
| Preventative | $0 | 100% |
| Basic | $50 | 80% |
| Major | $50 | 50% |
Max benefit: $2,000 per calendar year
New Benefit: Implant coverage (see SBC for details).
Out-of-Network Coverage Available (Click Here to See Claim Example)
VSP Vision
| Exams: $10 copay, 1 exam every 12 mo |
| Glasses: $25 copay for single lenses |
| Frames: Up to $250 every 24 mo |
| Contacts: Up to $250 every 12 mo |
At PEO4YOU, we believe comprehensive healthcare should be accessible, transparent, and tailored to your needs. That’s why every member receives a complete benefits package — medical, dental, vision, and life benefits — designed to give you peace of mind and real value.
BCBS PPO National Network
| Deductible: | $1,000 |
| Coinsurance: | 80/20 |
| Out-of-Pocket: | $3,800 |
| Primary Care Co-pay: | $25 |
| Specialist Co-Pay: | $50 |
| Medications: | Generic 10%; Brand 35% (see SBC for more details) |
| Wellness & Teledoc Visits: | No Charge |
(In-network only)
See Health Plan Outline for More Details
Principal PPO Dental Network
| Annual deductible network | Coinsurance network pays | |
| Preventative | $0 | 100% |
| Basic | $50 | 80% |
| Major | $50 | 50% |
Max benefit: $2,000 per calendar year
New Benefit: Implant coverage (see SBC for details).
Out-of-Network Coverage Available (Click Here to See Claim Example)
VSP Vision
| Exams: $10 copay, 1 exam every 12 mo |
| Glasses: $25 copay for single lenses |
| Frames: Up to $250 every 24 mo |
| Contacts: Up to $250 every 12 mo |
5 year average renewal of less than 3% – Trust established in 1958 – BCBS network since 2004 – Enrollment available year round – No underwriting
Features | H&W 125 | DENTAL 125 | VISION 125 | LIFE 10K | ADMIN125 | Union | Total |
|---|---|---|---|---|---|---|---|
Employee Only | $731.00 | $65.00 | $10.00 | $5.00 | $100.00 | $27.00 | $938.00 |
Employee + Spouse | $1,500.00 | $130.00 | $22.00 | $5.00 | $200.00 | $27.00 | $1,884.00 |
Employee + (Children) | $1,146.00 | $130.00 | $22.00 | $5.00 | $200.00 | $27.00 | $1,530.00 |
Employee + Family | $1,636.00 | $190.00 | $35.00 | $5.00 | $200.00 | $27.00 | $2,093.00 |
Waived Employees | $5.00 | $27.00 | $32 |
6 consecutive renewals of 3% or less – Trust established in 1958 – BCBS network since 2004 – Enrollment available year round
Features | H&W 125 | DENTAL 125 | VISION 125 | ACCIDENT | LIFE 10K | ADMIN125 | Union | Total |
|---|---|---|---|---|---|---|---|---|
Employee Only | $746.00 | $75.00 | $15.00 | $12.00 | $10.00 | $100.00 | $27.00 | $985.00 |
Employee + Spouse | $1,530.00 | $150.00 | $30.00 | $12.00 | $10.00 | $200.00 | $27.00 | $1,959.00 |
Employee + (Children) | $1,169.00 | $150.00 | $30.00 | $12.00 | $10.00 | $200.00 | $27.00 | $1,598.00 |
Employee + Family | $1,669.00 | $220.00 | $45.00 | $12.00 | $10.00 | $200.00 | $27.00 | $2,183.00 |
Waived Employees | $10.00 | $27.00 | $37 |
Accident coverage is for Employee/Member only
Groups above 10 have custom ancillary rates
First Year Dental Max is $1,000, Second year increases to $2,000
Surcharge for 4 or more dependent children – Dental :$50 , Vision: $15 per child.
Why Choosing the Right Plan Matters in Montana
Shopping for a Montana health plan involves more than just comparing premiums; it’s about having the right providers, hospitals, and services available when you need them. From Medicare plans to family health insurance or employer-sponsored health insurance, PEO4YOU makes it easy to review your plan details so you know exactly how your coverage works with your lifestyle.
Because health insurance is a long-term commitment, PEO4YOU wants you to consider how your budget, your choice of doctors, and your benefits are all impacted by your decision. Compare plan types, network sizes, and confirm your physicians are in-network using PEO4YOU’s provider finder and plan shopping tools. We also encourage all our members to take advantage of their open enrollment period or special enrollment eligibility to review their health care coverage and keep their health care seamless from year to year.
Whether you’re shopping for marketplace health coverage, a Medicare Advantage plan, or an employer-sponsored health insurance plan, you need coverage that’s there for you so you can save money and get the care you need. A Montana health plan from PEO4YOU means you know you, your family, and your employees are covered for life’s every stage.
Explore your Montana health plan options today and sign up for open enrollment, create your account, and talk to a licensed insurance agent about the details of your plan. PEO4YOU members have trusted health insurance support, flexible plans that meet your budget and your needs, and the peace of mind of knowing your health care is always covered.
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