Live Life Well Incentive

The State Plan offers the Live Life Well (LLW) Incentive Program to all enrolled employees (for the purpose of this disclaimer employees include active employees, retirees, legislators, and primary COBRA participants) and their enrolled spouses or domestic partners.

If you choose to participate in the LLW Incentive Program, you will be asked to complete a voluntary health risk assessment that asks questions about your health-related activities and whether you have certain medical conditions (e.g. cancer, diabetes, or heart disease). You will also be asked to obtain a voluntary blood test for certain conditions (e.g. cholesterol). If you choose to participate, you will receive a reduction in your bi-weekly employee contribution or your monthly retiree contribution. If you are unable to participate in any of the health-related activities of the LLW Incentive Program, you may qualify for reasonable accommodation to earn the Incentive. To request an accommodation, contact the Health Care & Benefits Division (HCBD) at (800) 287-8266, TTY (406) 444-1421, or email BenefitsQuestions@mt.gov.

The information collected from your health-related activities will be used to help you understand your current health and potential risks and to offer you services.

We are required by law to maintain the privacy and security of your personal identifiable health information. For more information, review the State Plan Privacy Practices.

You must complete the Health Assessment, a State-sponsored Health Screening, self-report your Nicotine Free status, and self-report completion of an Eligible Provider Visit by October 31, 2026, to earn a Live Life Well (LLW) Incentive in 2027.

As part of earning the LLW Incentive for 2027, you must complete and self-report an Eligible Provider Visit. Plan members indicate they find an annual provider check-up valuable and necessary for maintaining their good health.

• Complete an Eligible Provider Visit
• Self-report completion of an Eligible Provider Visit

What is an Eligible Provider Visit?

• An Eligible Provider Visit is an annual physical examination with a medical provider. This type of visit is usually done in-person and exceptions are rare.  Virtual visits do not normally allow the provider to adequately complete a physical examination. This is not an acute or urgent care visit (i.e. cold, flu, or injury), it is an annual checkup typically done with your Primary Care Provider.
• This type of visit will usually take 45 minutes to an hour.
• Any kind of medical provider is acceptable, from a nurse practitioner to a specialist, depending on who is most appropriate for your health needs. Choose a medical provider (such as a Montana Health Center provider) that best fits your needs.
• This visit will include a complete physical examination based on your age, gender, and other factors. You and your provider will decide exactly what is included in your appointment based on your health needs.
• This visit may include a discussion of your health screening results. It is not an appointment to only review your health screening results. If your results are available, please bring them to your visit so your provider can review the results with you.
• During the visit, your provider may renew your prescription(s) for medication(s) you take every day.
• During the visit, be prepared to talk with your provider about any health concerns or needs you have. Your provider can refer you to behavioral health, counseling, physical therapy, specialty care, and more. Keep in mind that your regular benefits apply to this visit and any additional services beyond the provider’s time may cost you more. Not sure what to ask, download this handy checklist.
• An Eligible Provider Visit and all services provided at the Montana Health Centers have no cost.

New for 2026! To earn a Live Life Well Incentive in 2027, you must complete the Health Assessment along with a State-sponsored Health Screening, self-reporting your Nicotine Free status, and self-reporting completion of an Eligible Provider Visit by October 31, 2026.

• The Health Assessment is a questionnaire designed to help you identify risk factors, provide individualized feedback, and link you with interventions to promote health and/or prevent disease.
• The Health Assessment delivers meaningful, personalized insights into your health by assessing current and potential health risks. For example, eye and hair color can help identify sun sensitivity, while lifestyle and biometric information helps identify disease risk and overall wellness.
• The Health Assessment is entirely confidential and takes 15 minutes to complete.

Complete the Health Assessment

Start your Health Assessment today by logging into the MediKeeper Wellness Portal.

1. Log in using the instructions under Complete Your Incentive Activities.
2. Once you have logged in to MediKeeper, or the Alaveda app, select Health Assessment.
   • The Health Assessment will take about 15 minutes to complete, and you don’t have to do it all at once.
   • Previous year Health Assessment results can be accessed under the HRA Yearly Comparison button (not the Health Assessment button).
3. Once you have completed the Health Assessment, select Incentive and Rewards, it will show as Complete in the 2026 Live Life Well Incentive section.

You must complete the Health Assessment, a State-sponsored Health Screening, self-report your Nicotine Free status, and self-report completion of an Eligible Provider Visit by October 31, 2026, to earn a Live Life Well (LLW) Incentive in 2027.

Part of earning a LLW Incentive on your 2027 benefit contributions is getting a State-sponsored Health Screening between November 1, 2025, and October 31, 2026.

• Once you have completed your State-sponsored Health Screening, it will automatically be loaded into the MediKeeper Wellness Portal; State-sponsored Health Screenings may take up to a week to be loaded into the Portal.
  • MediKeeper Wellness Portal: If you complete your State-sponsored Health Screening after October 23, it may not show up on the MediKeeper Wellness Portal by October 31; however, your screening will apply retroactively to your Incentive once it is loaded.
    • This is due to the delay between when your screening was completed and when it will be loaded into MediKeeper.
  • Open Enrollment System: If you complete your State-sponsored Health Screening after October 8, credit for your LLW Incentive may not show up on the Open Enrollment System during Open Enrollment; however, (and provided you have completed all four LLW Incentive Activities by October 31) your LLW Incentive will apply retroactively to your account. It will show during the confirmation period in early December.
    • This is because the Open Enrollment system cannot be updated while it is open for members to make elections. 

More Information

• About the State-sponsored Health Screening
• How to Schedule a State-sponsored Health Screening

MediKeeper is your destination for completing the Health Assessment and other Live Life Well (LLW) Incentive Activities, challenges, and much more.

On-State Network MediKeeper Wellness Portal Access

Off-State Network MediKeeper Wellness Portal Access

MediKeeper is available for all State Plan members the age of 18 and older; however, only employees, retirees, legislators, COBRA participants, and their enrolled spouses or domestic partners are eligible for the LLW Incentive.

Access the MediKeeper Wellness Portal

• Visit the MediKeeper Wellness Portal using the buttons above.
  • If you are a State of Montana employee (except Joint Core partners) on the State network, you may access MediKeeper through Single Sign-On (SSO) by clicking the On-State Network MediKeeper Wellness Portal Access button above. 
  • Those not on the State network, dependents, and Joint Core partners do not have access to SSO and must select the Off-State Network MediKeeper Wellness Portal Access button above. Log in at the MediKeeper login screen. If you need to create an account, select the grey button that says Or click here to register.
    
    • When registering, use your first and last name as it appears on your BlueCross & BlueShield of Montana medical ID card.
    • You must create a username and password. Although it is not required when logging in via SSO, if you skip this step you will NOT be able to access the system, even to register and create login information, anywhere other than through the SSO.
    • Accounts cannot be shared. Each State Plan member (active employees, spouses, retirees, COBRA, etc.) will need to register and create their own account.
• Please make sure your email is updated and allow MediKeeper to send you notifications. This allows you to unlock the full potential of the Wellness Portal, receive reminders and communications about upcoming or ongoing challenges, and more.
  • You can update your email preferences under My Account.

MediKeeper Wellness Portal Help

• Watch a tutorial on how to use the Wellness Portal
• Website: LiveLifeWellMT.medikeeper.com
• Email: SupportServices@medikeeper.com
• Telephone: (888) 250-9543
• TTY: 711

You must complete a Health Assessment, a State-sponsored Health Screening, self-report your Nicotine Free status, and self-report completion of an Eligible Provider Visit by October 31, 2026, to earn a Live Life Well (LLW) Incentive in 2027.

Part of earning a LLW Incentive for 2027 is to self-report that you are Nicotine Free or have completed an eligible Nicotine Free alternative between November 1, 2025, and October 31, 2026. You can find directions for how to self-report your Nicotine Free status in the Self-Report Your Incentive Activities section.

Eligible Alternatives Available

If you use nicotine, you can still earn the LLW Incentive if you complete and self-report one of the two eligible alternatives:

• Complete a nicotine cessation program between November 1, 2025, and October 31, 2026; or
• Have a nicotine education session with your primary care provider between November 1, 2025, and October 31, 2026.

Learn more about no-cost nicotine cessation programs available to State Plan members. Completing a nicotine cessation program is a good option for members who are ready to quit using nicotine.

A Nicotine Education Session is an appointment with your provider for the purpose of discussing your nicotine use. This is a good option for members who may not be ready to quit using nicotine. To complete this alternative, schedule an appointment with your provider.

Definitions

• Nicotine:
  • Nicotine is an addictive stimulant proven to have negative health effects.  It is found in a variety of products such as cigarettes, cigars, chewing tobacco, vaping or electronic products, oral products and more.
• Nicotine Free:
  • You may self-report you are Nicotine Free if you have never used nicotine, have quit using nicotine, use only FDA-approved Nicotine Replacement Therapy (NRT), or infrequently use nicotine (less than 4x per month). 
  • You may self-report you are Nicotine Free if you are currently using nicotine but HAVE completed an eligible alternative (nicotine cessation program or a nicotine counseling session with a medical provider) during the past 12 months.
• Nicotine User:
  • You are a nicotine user and may not self-report you are Nicotine Free if you are currently using nicotine and HAVE NOT completed an eligible alternative (nicotine cessation program or a nicotine counseling session with a medical provider) during the past 12 months.

On State Network MediKeeper Wellness Portal Access

Off State Network MediKeeper Wellness Portal Access

• Sign in to the MediKeeper Wellness Portal using the buttons above (directions for registering are in the MediKeeper Wellness Portal section).
• Once you have signed in, click on Incentives & Rewards. 
• Click View Program in the Current Programs box.
• Click the + icon located to the right of the activity you’d like to complete.
• Click on the blue i button if you need more details.
• Follow the prompts.
• Once you are done, you can confirm by checking that the activity now says (1/1) or click the + icon again and it will say Completed.
  • The MediKeeper Wellness Portal uses points to indicate if a member has earned the Live Life Well (LLW) Incentive. You have completed all four required LLW Incentive Activities once you have earned 4 points.
  • You can also confirm by checking that each of the four required Activities say Completed rather than Incomplete.

Remember that your State-sponsored Health Screening will automatically appear on the MediKeeper portal about a week after your Health Screening is complete.

You may also download and use the MediKeeper App, Alaveda.

• Once you have logged into the MediKeeper Wellness Portal, select the Tracker tile.
  • A tile is a square button below the welcome banner.
• Select Connect/Manage Devices to pull down a menu. 
• From the menu, select the action you'd like to take.
• Follow the prompts provided.

Note: As of September 30, 2026, there are changes to how you will connect your FitBit, which is now managed through Google Health instead of the FitBit app.  You will need to connect your Google Health app to a supported app, Apple Health (iPhone), Health Connect (android), or Samsung Health or Health Connect (Samsung). 

Please contact MediKeeper for assistance.  You can find MediKeeper's contact information in the MediKeeper Wellness Portal section.

For the Upcoming 2027 Plan Year

1. Use the buttons in the MediKeeper Wellness Portal section.
   • If you are on the State network, select the On State Network Benefit Enrollment System Access button.
   • If you are off the State network, select the Off State Network Benefit Enrollment System Access button and login to the system.
2. Once you are logged in, select Incentives and Rewards.
3. On the 2026 Live Life Well Incentive, select View Program.
4. If it shows you have earned 4 points, you will receive the incentive in 2027. If it shows less than 4 points, scroll down and complete the outstanding activities. You can find full details on how to do that on the Live Life Well Incentive page.