A large group of people practice yoga in a park

Wellness and Behavioral Health Insurance Coverage

Blue Cross and Blue Shield of Montana (BCBSMT) offers a suite of wellbeing programs, benefits, and resources that connects the physical and mental health of employees to drive healthier outcomes and in turn, control costs for members and groups.

Solutions and Programs

Help your group clients engage employees across the care continuum—from short-term life events to serious mental illness and substance use disorders—to discover healthier versions of themselves. Learn about the programs, tools, resources, and support available with our health insurance plans.

Benefits Value Advisors

Benefits Value Advisors help employees understand their benefits, find in-network doctors and health care facilities, schedule doctor visits, get prior authorization for certain services, use online educational tools, and more.

Health Advocacy Solutions

Provides employees a more personal experience with access to health advocates for hands-on navigation and care support, and a full suite of digital wellness resources and engagement levels tailored to your client's company culture and financial goals.

Well onTarget®

The Well onTarget program is designed to give members the tools and support they need, while rewarding them for making healthy choices.

One-on-One Coaching

Professionally certified coaching on health and lifestyle issues–including stress management, blood pressure, cholesterol, and other chronic conditions–is available via phone or secure messaging.

Incentives and Blue PointsSM

Members making smarter choices about their health have access to incentive programs designed to promote healthy behavior. Incentive programs can be easily integrated into the design of group health insurance coverage.

Fitness Program

Flexible options to help employees get in shape and stay active. They can choose from our nationwide network of fitness centers and access over 40,000 health and well-being providers such as massage therapists, personal trainers, and nutrition counselors.

24/7 Nurseline

Members have 24/7 access to registered nurses who can guide them to the appropriate level of care for their health issue and answer general health questions.

Special Beginnings®

This structured maternity program enables early identification of high-risk pregnancies and supports and educates expectant mothers from early pregnancy to six weeks after delivery.

Women's and Family Health

The comprehensive Women's and Family Health program offers a modern and flexible app-based coaching approach to pre-pregnancy, pregnancy, and parenting support delivered by Ovia Health®.

Digital Health Partners

We partner with third-party vendors to offer additional solutions designed to help reduce risks involved with costly chronic diseases and improve the overall wellbeing of our members.

Conditions with Distinct Needs

Some conditions have a specialized approach due to their complexity and sensitive nature. We have established programs to address these including the autism response team and the eating disorder care team.

Risk Identification and Outreach (RIO)

RIO identifies members who may benefit from specific, clinical interventions such as potential opioid and substance misuse for outreach and coordination of care. A multi-disciplinary team of clinicians supports these members in finding safer pain management and coping strategies.

Web and Mobile Wellness Tools

Many of the programs listed above include technology-driven care management components. With these online and mobile tools, members are empowered to:

  • Learn about their medical and behavioral health
  • Access medical and behavioral professionals for coaching, advice or direct care
  • Use information, tools and programs to help them change behavior
  • Get access to big discounts on health and wellness products
  • Earn incentives for healthy behaviors
  • Receive additional support and benefits if they are at-risk

Behavioral Health Insurance Coverage That Goes Above and Beyond

Studies show one in five Americans has a mental health disorder, and most of them have not received treatment.1 Employees who receive proper care may feel more satisfied with their jobs, perform better, and incur fewer medical costs.2

Behavioral Health therapist listening in group therapy session


Dedicated Care Teams

Our behavioral health programs use licensed clinicians to treat and care for members across a range of care areas to discover healthier versions of themselves. A dedicated behavioral health care team uses advanced analytics, health advisor insights, incentive programs, personalized treatment plans, and more to deliver interventions with positive outcomes.


Easy Access to Care and Support

Employees will have access to a nationwide network of more than 430,000 behavioral health professionals and treatment facilities through Provider Finder®. Members can call the Behavioral Health number listed on their ID card for prior authorization, for questions or for urgent health issues 24/7.

Clear Outcomes and Savings with Effective Treatment

Our utilization management processes help ensure both inpatient and outpatient behavioral health services are clinically appropriate and likely to contribute to successful outcomes.3 Straightforward reporting clarifies behavioral health program results to help inform key business decisions.

1 State of Mental Health America 2018, Mental Health America.
2 Bad for Business: The Business Case for Overcoming Mental Illness Stigma in the Workplace. National Alliance on Mental Illness Massachusetts.
3 Prior authorization is required for some behavioral health services, including inpatient care, residential treatment, partial hospital admissions, intensive outpatient programs (IOPs), applied behavior analysis (ABA) treatment, outpatient electroconvulsive therapy (ECT) and repetitive transcranial magnetic stimulation (rTMS).

Last Updated: Nov. 29, 2023