Blue Cross/Blue Shield of Michigan
Blue Cross/Blue Shield of Michigan designs affordable, comprehensive health insurance policies specifically for residents of the state of Michigan. This company is part of the national Blue Cross/Blue Shield Association, even though it is governed independently. The companies of the BCBS network were some of the earliest managed health care companies in the U.S., formed in the 1920s and 1930s. Blue Cross Blue Shield of Michigan was founded in 1938. BCBS administers Medicare coverage, as well as providing state and federal employee group health insurance. The company also designs coverage for individuals and families.
Blue Cross/ Blue Shield Health Insurance Products
Blue Cross/Blue Shield of Michigan administers a variety of easy-to-afford health insurance plans:
- Individual and family plans
- Beneficiary and Medicare plans
- Small business group health plans, traditional, PPO, and HMO policies
- Programs for federal employees
The direct-pay Blue Cross/Blue Shield of Michigan health policies for individuals and families have a range of options, including:
- Separate costs for in-network and out-of-network service, but with the choice of using nearby doctors and facilities.
- Decide to pay a deductible or to have immediate coverage.
- Choose to have a predetermined co-pay or one that limits expenses
- Many procedures must be preauthorized.
- Prenatal or alternative medicine coverage fits special needs
- Non-smokers qualify for special rates.
Individual plans are available with a range of deductibles and co-pays. Blue Cross/Blue Shield of Michigan also sells a high deductible plan to coordinate with a health savings account. Other residents may need a short-term coverage plan. All individual plans are only available for residents of Michigan who are not eligible for Medicare.
BCBS of Michigan Company Ratings:
A.M. Best A+
Fitch A
Contact Blue CROSS/BLUE SHIELD OF MICHIGAN
PO Box 341
Detroit, MI 48231-0341
www.bcbsm.com
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