BEST Life offers this marketplace health insurance plan (Plan ID 93895MT0020003 ) so you can compare premiums, coverage levels, and provider access against other health plan insurance options. Use the modules below to decide whether this is the best health insurance plan for your household or if another insurance health plan fits better.
Metal level: High
Plan type: Indemnity
CSR: Standard High Off Exchange Plan
Issuer: BEST Life
Telehealth
Data pending
HSA eligible
Check with issuer
Dental
Adult/Child
Vision
Not listed
Rates mirror the latest CMS import (Tue, 02 Dec 2025 06:13 GMT). Personalize costs with your ZIP, age, and subsidies in the plan finder.
Office visits
Primary care
See benefits
Specialist
See benefits
27-year-old individual
Single enrollee benchmark (age 27)
Family of three
Two adults around age 40 + one child
Family of four
Primary subscriber in their late 30s + 2+ dependents
Couple in their 40s
Two adults around age 40
$35
/ mo before subsidies
≈ $414 per year before tax credits.
Start with this unsubsidized premium, then apply marketplace tax credits to see your final monthly payment.
Ideal for shoppers comparing Bronze vs. Silver budgets.
Update your Marketplace application to apply premium tax credits.
$106
/ mo before subsidies
≈ $1276 per year before tax credits.
Pre-subsidy rate for a couple with one dependent. Switch to Silver CSR plans if you qualify to reduce these numbers.
Compares well against PPO vs HMO networks when planning for childcare and telehealth needs.
CSR savings require a Silver variant. Use the plan finder to load Silver options if you need lower deductibles.
$142
/ mo before subsidies
≈ $1708 per year before tax credits.
Pairs with cost-sharing reductions (CSR) when you select a Silver tier and qualify based on income.
Use this estimate before adding childcare, dental, or vision extras.
CSR Silver variants can lower deductibles dramatically for eligible incomes.
CSR savings require a Silver variant. Use the plan finder to load Silver options if you need lower deductibles.
$70
/ mo before subsidies
≈ $845 per year before tax credits.
Shows the combined pre-subsidy rate for two adults. Add dependents or subsidies in your application to refine it.
Great for households deciding between PPO and HMO networks.
Telehealth and HSA perks (when offered) apply to both members.
Open Enrollment window
Marketplace enrollment for 2025 coverage typically runs Nov 1 – Jan 15 (dates may vary slightly in Montana). Submit changes before the deadline to avoid a coverage gap.
Enroll by Dec 15 for Jan 1 starts.
Finalize plan switches before the window closes.
Special Enrollment Periods
You can change plans mid-year if you experience a qualifying life event (move, childbirth, marriage, loss of other coverage).
Report the event within 60 days.
Keep documentation handy for Healthcare.gov or your state exchange.
CSR & subsidy reminders
Premium tax credits and cost-sharing reductions (CSR) update annually when you re-submit your marketplace application.
Enter accurate income to maximize Advanced Premium Tax Credits.
Standard High Off Exchange Plan plans like this one keep deductibles and copays lower if you qualify.
Thinking about switching?
Before you leave your current plan, compare networks, drug coverage, and total cost using the cards on this page.
Match provider networks so ongoing care isn’t disrupted.
Confirm prescriptions stay on-formulary or budget for tier changes.
Need more options? Browse the Montana directory or jump back into plan search.
Track the official identifiers, documents, and filing dates tied to this plan. Open the marketing or formulary links whenever you need the latest PDF from the issuer.
Review the network branding plus the number of in-network clinicians we track from issuer filings. Counts update with each CMS import (Tue, 02 Dec 2025 06:13 GMT).
All providers in Montana
N/A
PCPs in Montana
N/A
Telehealth support
Data pending
Nationwide providers
N/A
Providers
Montana
All US states
All
N/A
N/A
PCP
N/A
N/A
Allergy
N/A
N/A
OB/GYN
N/A
N/A
Dentists
N/A
N/A
Inspect tier distribution plus authorization, step therapy, and quantity-limit counts sourced from HealthPorta’s formulary import.
Prior authorization
Drugs
Required
0
Not Required
0
Step therapy
Drugs
Required
0
Not Required
0
Quantity limits
Drugs
Has Limit
0
No Limit
0
BEST Life · Plan ID 93895MT0020003 · 2025 filing.marketing repository .
Pregnancy & family
Maternity, newborn, pediatric dental and vision extras.
Basic Dental Care - Child
30.00% Coinsurance after deductible
Tier 1 in-network
30.00% Coinsurance after deductible
Out-of-network
30.00% Coinsurance after deductible
nan
Exclusions: nan
Major Dental Care - Child
50.00% Coinsurance after deductible
Tier 1 in-network
50.00% Coinsurance after deductible
Out-of-network
50.00% Coinsurance after deductible
nan
Exclusions: nan
Wellness & extras
Vision, dental, therapies, prosthetics, weight management.
Accidental Dental
Coverage details pending
Basic Dental Care - Adult
10.00% Coinsurance after deductible
Tier 1 in-network
10.00% Coinsurance after deductible
Out-of-network
10.00% Coinsurance after deductible
nan
Exclusions: nan
Dental Check-Up for Children
No Charge
Tier 1 in-network
No Charge
Out-of-network
No Charge
nan
Exclusions: nan
Major Dental Care - Adult
50.00% Coinsurance after deductible
Tier 1 in-network
50.00% Coinsurance after deductible
Out-of-network
50.00% Coinsurance after deductible
nan
Exclusions: nan
Orthodontia - Adult
Coverage details pending
Orthodontia - Child
50.00%
Tier 1 in-network
50.00%
Out-of-network
50.00%
Orthodontia for children is only covered when medically necessary.
Exclusions: nan
Routine Dental Services (Adult)
No Charge
Tier 1 in-network
No Charge
Out-of-network
No Charge
nan
Exclusions: nan
Plan identifiers & tier
Issuer-provided metadata for this variant.
CSR Variation Type
Standard High Off Exchange Plan
HIOS Product ID
93895MT002
Plan ID (Standard Component ID with Variant)
93895MT0020003-00
Plan Marketing Name
BEST Life Superior Dental Plan
Plan Variant Marketing Name
BEST Life Superior Dental Plan
Issuer & service area
Issuer-provided metadata for this variant.
Issuer Marketplace Marketing Name
BEST Life
Market Coverage
Individual
Multiple In Network Tiers
No
Out of Country Coverage
No
Out of Service Area Coverage
Yes
Out of Service Area Coverage Description
Network or UCR
Cost sharing & actuarial values
Issuer-provided metadata for this variant.
Begin Primary Care Deductible Coinsurance After Number Of Copays
0
Inpatient Copayment Maximum Days
0
Maximum Out of Pocket for Medical EHB Benefits, Combined In/Out Network, Family Per Group
$700 per group
Maximum Out of Pocket for Medical EHB Benefits, Combined In/Out Network, Family Per Person
$350 per person
Maximum Out of Pocket for Medical EHB Benefits, Combined In/Out
$350
Maximum Out of Pocket for Medical EHB Benefits, In Network (Tier 1), Family Per Group
per group not applicable
Maximum Out of Pocket for Medical EHB Benefits, In Network (Tier 1), Family Per Person
per person not applicable
Maximum Out of Pocket for Medical EHB Benefits, In Network (Tier 1), Individual
Not Applicable
Maximum Out of Pocket for Medical EHB Benefits, Out of Network, Family Per Group
per group not applicable
Maximum Out of Pocket for Medical EHB Benefits, Out of Network, Family Per Person
per person not applicable
Maximum Out of Pocket for Medical EHB Benefits, Out of Network, Individual
Not Applicable
Enrollment & documents
Issuer-provided metadata for this variant.
Additional attributes
Issuer-provided metadata for this variant.
Begin Primary Care Cost-Sharing After Number Of Visits
0
Child-Only Offering
Allows Adult and Child-Only
Composite Rating Offered
No
EHB Apportionment for Pediatric Dental
1.0
First Tier Utilization
100%
Import Date
2024-10-16 20:01:50
Guaranteed Rate
Guaranteed Rate
New/Existing Plan
Existing
Medical EHB Deductible, Combined In/Out of Network, Family Per Group
per group not applicable
Medical EHB Deductible, Combined In/Out of Network, Family Per Person
$50 per person
Medical EHB Deductible, Combined In/Out of Network, Individual
$50
Medical EHB Deductible, In Network (Tier 1), Family Per Group
per group not applicable
Medical EHB Deductible, In Network (Tier 1), Family Per Person
per person not applicable
Medical EHB Deductible, In Network (Tier 1), Individual
Not Applicable
Medical EHB Deductible, Out of Network, Family Per Group
per group not applicable
Medical EHB Deductible, Out of Network, Family Per Person
per person not applicable
Medical EHB Deductible, Out of Network, Individual
Not Applicable
Plan Effective Date
2025-01-01
Plan Expiration Date
2025-12-31
Drug tier
Pharmacy type
Copay amount
Copay option
Coinsurance rate
Coinsurance option
Mail order
How do I choose the right ACA plan in Montana?
BEST Life Superior Dental Plan (93895MT0020003) is a High Indemnity from BEST Life in Montana for the 2025 coverage year.
Compare it against other options with the HealthPorta plan finder to confirm premiums, deductibles, and network access fit your household.
Does BEST Life Superior Dental Plan support telehealth or virtual urgent care?
The issuer has not published telehealth details yet. Review the Summary of Benefits and Coverage to confirm if virtual visits are included.
Is BEST Life Superior Dental Plan HSA-eligible and does it include dental or vision coverage?
HSA eligibility is not published; check the Summary of Benefits or ask the issuer.
Dental add-ons: Adult, Child.
Vision coverage is not listed for this plan.
Does BEST Life Superior Dental Plan support mail-order prescriptions?
Mail order coverage is not listed for this plan, so confirm with the issuer before relying on home delivery.
Is there out-of-country coverage for BEST Life Superior Dental Plan?
No, out-of-country services are not covered for this plan.
Does BEST Life Superior Dental Plan cover care outside the service area?
Yes, you have limited out-of-area coverage. See the plan documents for referral and prior authorization rules. Details: Network or UCR
How do I enroll in or manage payments for BEST Life Superior Dental Plan?
Disclaimer: Based on the Tue, 02 Dec 2025 06:13 GMT HealthPorta import from CMS issuer filings. Data is best-effort and should be validated with the issuer directly. Sources:
CMS.gov and the
HealthPorta Healthcare MRF API .
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