MUST utilizes Blue Cross and Blue Shield of Montana’s extensive nationwide provider networks.
MUST members will experience the lowest out-of-pocket costs when utilizing network providers. Though members are free to see non-network providers, there are many advantages to using network providers. Network providers agree to accept pre-determined allowable amounts as payment in full. This protects members as they are not subject to charges beyond MUST’s allowable limits (often referred to as balance billing). Network providers also agree to submit claims on members’ behalf, and MUST will make payments directly to those providers through BCBSMT.
Non-network providers are under no obligation to accept pre-determined allowable amounts as payment in full, subjecting members to possible balance billing. In addition, non-network providers are under no obligation to submit claims for members. Therefore, a member may be responsible for submitting the claim and for paying
Balance billed amounts do not accrue toward member deductibles and out-of-pocket maximums.
Search HERE to find a network of doctors, dentists, hospitals, and other health providers that accept Blue Cross and Blue Shield of Montana.