Types of Plans

On-page, 2024. A young boy and doctor at a doctor appointment, laughing and playing by touching each others' noses.

What do the "letters" in health insurance plans mean? When comparing Blue Cross and Blue Shield of Montana options, you might come across PPO, POS and HSA just to name a few.

We can help you navigate these plan types. They fall into two main categories:

Network plans
Health account funding plans

Health Insurance Network Plans

There are different types of health insurance plans for different needs. Some types of plans limit coverage to a list of doctors, hospitals and other medical providers. Another type may not require you to see your primary care physician before getting a referral to see a specialist. One type of plan may cover out-of-network services while another may not. Get to know the ABCs of the three main types of insurance plans.

What is a PPO?

Preferred Provider Organizations give you choice and flexibility

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What is an HMO?

Health Maintenance Organizations offer you value and savings

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What is a POS?

Point Of Service plans give you a balance of flexibility and value

Learn more

Consumer Directed Health Plans

A Consumer Directed Health Plan (CDHP) is a type of health plan where you can use pre-tax dollars in your health care account to pay for eligible health care costs. Here are two types of CDHPs.