Blue Cross Blue Shield of Michigan
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All About Blue Cross Blue Shield of Michigan
Since its inception in 1940, Blue Cross Blue Shield of Michigan (BCBS of MI) has grown to become the largest HMO in the 1990s.
It was also the first HMO to earn accreditation from the National Committee for Quality Assurance and is recognized as one of America’s top HMOs. By the 2000s, BCBS of Michigan began making it a priority to place emphasis on quality generic drugs, and also introduced wellness programs to encourage its members to live healthier and active lifestyles.
In 2014, BCBS of Michigan became a nonprofit mutual company, with the intention of giving its members a stronger voice in the company.
Blue Cross Blue Shield of Michigan Health Plans
Blue Cross Blue Shield of Michigan’s health insurance plans are divided into four plan levels called “metal tier plans.”
The categories to choose from are Bronze, Silver, Gold and Platinum.
Catastrophic coverage is also available. Each plan level have different plan types: PPO, EPO, HMO/Blue Care Network, and Dental and Vision plans.
Please note, that all plans, both HSA and non-HSA, now have aggregate deductibles. These are different than your typical embedded deductible. Simply put, regardless of whether a plan covers just an individual or a family, the FAMILY deductible must be met by a combination of the members within a particular family. This is different than a traditional embedded deductible in that an individual deductible needed to be met as well as a family deductible.
The advantages of having an aggregate deductible is that premiums with such plans tend to be lower. This type of deductible is best for families that are expecting low out-of-pocket costs.
List of plan choices offered by BCBS of MI:
- Blue Cross Partnered Extra (Bronze, Silver or Gold)
- Blue Cross Metro Detroit HMO (Bronze or Silver)
- Blue Cross Metro Detroit EPO (Bronze or Silver)
- Blue Cross Metro Detroit HMO Extra (Bronze, Silver or Gold)
- Blue Cross Metro Detroit EPO Extra (Bronze, Silver or Gold)
- Blue Cross Select (Bronze, Silver or Gold)
- Blue Cross Select Extra (Bronze, Silver or Gold)
- Blue Cross Select Value (Catastrophic)
- Blue Cross Preferred (Bronze, Silver or Gold)
- Blue Cross Preferred Extra (Bronze, Silver or Gold)
- Blue Cross Premier (Bronze, Silver or Gold)
- Blue Cross Premier Extra (Bronze, Silver or Gold)
- Blue Cross Premier Value (Catastrophic)
- Blue Cross with Dental & Vision (Silver or Gold)
- Blue Cross Extra with Dental & Vision (Silver, Gold or Platinum)
Blue Cross Blue Shield of Michigan HSA Plans
Blue Cross Partnered Bronze
Blue Cross Metro Detroit HMO Bronze
Blue Cross Select Bronze
Blue Cross Preferred Bronze
Blue Cross Metro Detroit EPO Bronze
Blue Cross Premier Bronze
Blue Cross Metro Detroit EPO Silver
Blue Cross Premier Silver
Blue Cross Silver with Dental and Vision, a Multi-State Plan
For Silver plans that you pair with an HSA, it must have an actuarial value of 70. Learn how health savings accounts (HSAs) work on our HSA Info page.
Why Choose Blue Cross Blue Shield of Michigan
After you have met your deductible, the Blue partner plans pays 100% of all covered expenses, up to $5 million per person. There is also an option for 80% coverage, which pays 100% once a co-insurance limit of $10,000 in covered expenses has been reached.
Benefits paid at 100% when you use BCBS of Michigan network providers:
Award-Winning
They are the recipient of several awards, including the Customer Experience Innovation Award and the Forrester Award; both for excellence in customer service.
Wellness Programs
Their innovative programs such as their Patient-Centered Medical Home program and Building Healthy Communities – both with the common goal to donating and saving money in the health care system, as well as providing healthier meals to elementary students.
Healthy Living
An online portal with access to BlueHealthConnection, which includes a 24/7 Nurse Line, Chronic Condition Management, Health Assessments, Wellness Programs, Case Management resources, as well as healthy living tips, member discounts, and other tools to live a healthy lifestyle.
Ready to Sign Up with the BCBS of Michigan?
At HSA for America, we are here to guide you through the many questions that can arise while trying to find the right health insurance plan. Our Personal Benefits Managers partner with you by taking advantage of all of the money-saving tools available, with the goal in mind saving you as much money as possible.
This professional relationship continues on after you have your health plan secured – to ensure your medical needs are being met and your money is being saved.
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Disclaimer: All information on this website is relayed to the best of the Company's ability, but does not guarantee accuracy. Information may be out of date. The content provided on this site is intended for informational purposes only and does not guarantee price or coverage. This site is not intended as, and does not constitute, accounting, legal, tax, and/or other professional advice. Determination of the actual price is subject to the Carriers.