Comparison

BCBSMT vs Xaetos

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

BCBSMT

Access your Blue Cross and Blue Shield of Montana member information and resources. Manage your coverage, claims, and ID card. Find in-network providers, estimate costs, and access virtual care.

Highlights
  • Access coverage and claims
  • Find in-network doctors and facilities
  • Estimate procedure costs
  • View medical and pharmacy benefits
  • Access virtual doctor visits
  • Store ID card in Apple Wallet
Features
Read full description

The Blue Cross and Blue Shield of Montana (BCBSMT) app provides access to the Blue Cross and Blue Shield of Montana member information and resources. BCBSMT app also provides shopping information such as getting a quote and tracking an application. Members can: • Login, register or change password • Easily access coverage, claims, and ID • Check deductible and out of pockets amounts • Find an in network doctor, hospital or facility • Find a nearby urgent care facility • Estimate the costs of procedures, tests and treatments • View patient reviews and average wait time • Search for doctors that speak Spanish • View medical benefits and copay levels • View pharmacy benefits and copay levels • Send ID to Apple Wallet for offline access • View their Explanation of Benefits • Log in via Touch ID • Share ID Card • Members with applicable pharmacy coverage can search for drug information and cost estimates, view and compare nearby pharmacies, and view reminders related to their prescriptions • Members with applicable coverage can access MDLive for virtual visits with a doctor (MDLive uses allergies and medications from your HealthKit when requesting a virtual visit)

About

Xaetos

This app gamifies fitness tracking by rewarding consistent gym attendance. It uses geofencing to verify workouts and offers social features like leaderboards and challenges. Users can earn real rewards from brands for hitting streak milestones, encouraging long-term healthy habits.

Highlights
  • Gamified fitness tracking
  • Geofenced gym visit verification
  • Streak maintenance and challenges
  • Social leaderboards and friend competitions
  • Exclusive brand rewards for milestones
  • Habit formation and lifestyle change focus
Read full description

Xaetos is a gamified fitness app that rewards users for showing up to the gym consistently. This brings a whole new social experience to attending the gym and a true way to have accountability. We use geofencing to verify gym visits with a 20 minute minimum workout requirement and built in cooldowns before your next check-in. But you better get back to the gym before the timer runs out or you’ll lose your streak! You can submit gyms anywhere you are located and even while you travel to keep your streak going. You can celebrate your hard work with friends: View other users’ streaks in real-time, earn badges, challenge friends to competitions, climb the leaderboard at your gym, and be a part of a community who truly wants to see you succeed! Users will unlock real exclusive offers from brands as they hit streak milestones. Every user who unlocks a reward has proven consistency: verified check-ins, maintained streaks, and demonstrated real commitment. You earned it, we will reward it! But here’s the truth — The greatest reward isn’t in the form of discounts. As you partner with Xaetos on your health journey, we hope users build habits that support how they feel in their personal strength and discipline. The discounts are a perk, but they are not the true goal spurring on your ambition. This app is about changing the desire we all have for a truly healthier life into a tangible reality. Our desire for each Xaetos user is that we put structures in place that will motivate a forever lifestyle change rather than inspire a temporary fad. It’s not about the number on the scale or the image you see in the mirror, it’s about being here for your loved ones, feeling capable and confident to do the activities you want to, and having hope that your future can be just as bright or even better than your past. Attending a gym or working out shouldn’t be viewed any longer as a punishment, but as an opportunity. We don’t have to accept that aging inevitably equals weakness, sickness, and brokenness. We can support our bodies to be stronger as we age. Join the Xaetos family and let’s all change the culture around health and fitness. “but those who trust in the Lord will renew their strength; they will soar on wings like eagles; they will run and not grow weary; they will walk and not faint.” Isaiah 40:31 The founders of Xaetos Inc. are real people just like you. We too have experienced all the reasons that showing up for our health seems too daunting: extreme loss, health challenges, and the heaviness of daily life. But we have also personally experienced radical life transformation that has brought beauty from the ashes and has allowed hope for our futures. That is what we want for you too. Don’t stay stuck in the aftermath of your trials, but allow perseverance to bring you new life. Privacy: Your location is only used to detect gym visits and is never shared or sold. Xaetos is designed for motivation and habit support and is not intended to provide medical advice or treatment.” Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

BCBSMT4 screens
Xaetos4 screens

Verdict

The call

The clearest difference is review sentiment: Xaetos at 100% against BCBSMT's 18%. Xaetos also leads on rating (5.0 vs 4.6) and update cadence (weekly vs fortnightly). BCBSMT's advantage is in-app purchases (none vs 11) and ratings volume (609 vs 13). On price, ads, device support and iOS requirement there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Xaetos sells 10 one-off in-app purchases. BCBSMT asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

Xaetos holds the better App Store score, 5.0 against 4.6. That said, the two scores are not equally well evidenced: BCBSMT has 609 ratings behind it against 13, so its average is the more settled of the two. Written reviews point the same way: 18% of BCBSMT's written reviews are positive against 100% of Xaetos's.

UpkeepUpdate frequency

BCBSMT ships an update fortnightly, Xaetos weekly. The most recent releases landed on October 17, 2026 and October 12, 2026 respectively.

Scorecard6 real differences · 4 level
BCBSMT versus Xaetos: the parameters behind the verdict, then further details
ParameterBCBSMTXaetos
PriceFreeFree
Rating4.6 (609 ratings)5.0 (13 ratings) — better
Positive reviews18.2% of reviews100.0% of reviews — better
Number of ratings609 — better13
Update frequencyFortnightlyWeekly — better
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS15.1 — better15.6
Further details — not scored
Size63 MB84 MB
Age rating17+12+
DeveloperHealth Care Service CorporationXaetos Inc.

Customer experience

BCBSMT

All ratings609 ratings
Positive89.7%
Neutral2.8%
Negative7.6%
Written reviews22 reviews
Positive18.2%
Neutral9.1%
Negative72.7%

Xaetos

All ratings13 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews5 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

BCBSMT

No in-app purchases

10 purchases

Xaetos

One-time10
  • 4-Hour Timer Freeze$0.99
  • 12 Hour Timer Freeze$1.99
  • Tropical Theme$1.99
Show 7 more
  • Wasp Theme$1.99
  • Arctic Theme$1.99
  • Sunset Theme$1.99
  • 36 Hour Timer Freeze$3.99
  • 48-Hour Timer Freeze$4.99
  • All Themes Bundle2 variants$6.99
  • 6 Days Additional Time$12.99

Questions

Is BCBSMT free?
BCBSMT is free to download, with no in-app purchases.
Is Xaetos free?
Xaetos is free to download, with in-app purchases available.
Which has better reviews, BCBSMT or Xaetos?
Xaetos is rated higher. BCBSMT averages 4.6 out of 5 from 609 ratings, while Xaetos averages 5.0 from 13 ratings.
Do BCBSMT or Xaetos have ads?
Neither BCBSMT nor Xaetos shows ads.
Which is updated more often, BCBSMT or Xaetos?
BCBSMT ships an update fortnightly, and Xaetos weekly. Most recently, BCBSMT was updated on October 17, 2026 and Xaetos on October 12, 2026.

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