The Graduate School at Montana State University provides this list of healthcare options to help you decide which is the right choice for you. Note that a plan may cover both primary and extended/emergency care, or you may have to utilize two plans for full coverage.

Students who have enrolled in six or more credits will automatically be enrolled in the BCBS student insurance plan for the entire semester. Students may waive BCBS insurance coverage at the time of registering for classes each semester if they have alternative insurance coverage.

The estimates mentioned below are provided for informational purposes only, and are current as of March 2023. The actual cost of monthly premiums may vary, and are subject to changes by individual insurance carriers without advanced notice. Please verify monthly premiums and details of the insurance plan at the time of signing. Montana State University is not liable for any errors or discrepancies in premium costs. 

Healthcare Options

Domestic Options

Primary Care

International Students

Primary Care

SHP (Student Health Partners)

$263.25/semester for office visit(s)

Automatically enrolled if 7 credits or more

Choice if taking 6 credits or fewer

Only you can be covered

Extended/Emergency Care: Not included - need additional BCBS or Marketplace or international student insurance for extended/emergency care

Healthcare.gov Marketplace

  • Gold, silver, & bronze options

  • Deductible and co-pay vary by plan

  • Family & dependent options

The state of Montana has a non-profit agency, the ACA Navigator, who can help any person living in Montana find affordable health insurance. This non-profit has a federal grant to provide free navigation services. US graduate students may be eligible for subsidies that may assist in paying monthly premiums. Note, to help with potential subsidy, you should select "not eligible for employee health insurance" if your only insurance option is MSU. You can contact a Montana Navigator at (406) 430-0005 or visit them online at www.acanavigator.com.Contact them if you are curious about your health insurance options and how to combine the services of Student Health Partners at MSU with insurance.

Extended/Emergency Care: Deductibles and co-pay vary by plan

LewerGlobal
Parents
  • Possible for students who are under 26 and U.S. citizens
  • May have out-of-region restrictions
Extended/Emergency Care: Deductibles and co-pay vary by plan

International Student Insurance

  • Student health insurance coverage options with monthly premiums ranging from $30 - $193 per month for policy maximums from $200,000 - $5,000,000 (These plan prices are estimates for a student under the age of 24 years).

  • Download this PDF explaining the Plan Information

Montana HELP/Madicaid Expansion Plan

  • Montana residents earning up to approximately $1481/month qualify
  • Minimal to no monthly premium
  • No copay for most health services from Medicaid providers
  • Dental and vision included
  • Options for household coverage

Extended/Emergency Care: Included
ISO Student Health Insurance
  • Student health insurance coverage options with monthly premiums ranging from $31 - $75 per month for policy maximums from $400,000 - Unlimited (These plan prices are estimates for a student under the age of 24 years).
  • Download these PDFs for further information on the plans:

Extended/Emergency Care: Deductibles and co-pay vary by plan

BCBS (Blue Cross Blue Shield)

 

  
Periods/Premiums Dates Premium* Note
Fall 2024 Aug 1, 2024 - Jan 31, 2025 $2,202  
Spring 2025 Feb 1 - Jul 31, 2025 $2,202 For students continuing from Fall 2024
Spring 2025 Jan 1 - Jul 31, 2025 $2,567 For new plan enrollee; not enrolled in Fall 2024

 

The BCBS insurance fee will be assessed each semester; $2,310.00/semester for students continuing their coverage from Fall. Paying for the Spring semester will cover the student through the following summer.

Deductibles & co-pays; only you can be covered

Extended/Emergency Care: Deductibles and co-pay vary by plan

Plan Information

A flexible, affordable option for single students may be SHP for primary care with Navigator at
Healthcare.gov to discuss extended/emergency options.