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Individual & Family

Still Need Health Care Coverage?

If you go through a life change like losing Medicaid, having or adopting a baby or changing jobs, you may be able to enroll in a Blue Cross and Blue Shield of Montana plan through Special Enrollment.

Man looking at computer while on the phone for Special Enrollment.

How to Get a Plan During Special Enrollment

During Special Enrollment, you can choose a new individual and family plan if you go through a life event that qualifies.1

  • If you’re no longer eligible to renew your Medicaid benefits, we can help you find an affordable Individual and Family plan so you can stay covered.
  • If you’re 64+ and no longer eligible for Medicaid, you may be able to enroll in Medicare.

Qualifying Events

Understand How to Qualify for Special Enrollment

SUPPORT

Speak With a Health Plan Specialist

A BCBSMT licensed health plan specialist can help you understand your options and take you step-by-step through enrolling.

ENROLL

How to Enroll During Special Enrollment

If you’ve had a life event that qualifies you to update your plan, review these next steps for BCBSMT enrollment.

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Have a Life Event

Find out if your life event allows you to enroll in a plan during Special Enrollment.

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Understand Your Timeline

You normally have 60 days from the date of your life event to update your health plan.

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Gather Documentation

You might need to send in documents that prove your life event when enrolling.

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Find a Plan

When you find a plan, compare your options, apply and pay your first bill for coverage.

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FAQS

Explore Special Enrollment FAQs

Have questions about the Special Enrollment Period or how to shop? You're not alone. Find answers to some of our members' most asked questions about Special Enrollment.

1Members of American Indian and Alaska Native tribes can apply for health care coverage any month of the year. If you qualify for Children’s Health Insurance Program (CHIP) or other assistance based on your income, you do not need to enroll during the Special Enrollment Period.

2The following are not considered loss of coverage: voluntarily canceling your health insurance plan, having your plan canceled because you did not pay your premiums or because your plan did not meet the requirements set by the Affordable Care Act for Minimum Essential Coverage.

3Only for health plans bought on the Marketplace.