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Blue Cross Blue Shield of Michigan

 

Looking for an affordable health insurance plan that is tailored to fit your individual or family needs? Blue Cross Blue Shield of Michigan offers a variety of comprehensive health and dental insurance plans that offer you and your family the highest quality medical health insurance care available today.

If you’re graduating, self-employed, considering early retirement or losing your employer-sponsored coverage, the Blues have a medical health insurance plan that’s right for you. Blue Cross Blue Shield of Michigan offers the quality medical benefits that people expect from Michigan’s most-trusted name in health care.

Blue Cross Blue Shield of Michigan Health Insurance

Individual Care Blue Plans

Individual Care Blue Plan Benefits

Affordable and Reliable Individual Health Care

 

Eligibility: Individuals under 65 and families
Monthly rate: Starting at $189.47
Copayment: 30% of the BCBSM-approved amount
Deductible: $1,000 individual
$2,000 family
Annual out-of-pocket maximum: $3,500 individual
$7,000 family
Prescriptions: Yes
Dental: Optional – Flexible Blue Dental Plus
Network: PPO

Blue Cross Blue Shield of Michigan designed Individual Care Blue Plus to offer you and your family an innovative medical health care plan with preventive dental and vision coverage that is easy on your wallet.

No matter the situation: Self-employed? Facing a layoff? Considering early retirement? Coming out of a group health plan? The most important thing you can do is keep your health in check.

Let the Blues make your decision about health care coverage an easy one.

Flexible Health Insurance for Individuals

Get empowered with Flexible Blue IISM

Flexible Blue 1500 Plan

Flexible Blue 2500 Plan

Flexible Blue 5000 Plan

Eligibility Individuals under 65 and families
Monthly rate Starting at $59.18 (Plan 5000)
Copayment: 20% of the BCBSM-approved amount
Deductible:
Plan 1500: $1,500 individual
$3,000 family
Plan 2500: $2,500 individual
$5,000 family
Plan 5000: $5,000 individual
$10,000 family
Annual Out-of-Pocket Maximum:
Plan 1500: $4,000 individual
$8,000 family
Plan 2500: $5,000 individual
$10,000 family
Plan 5000: $5,800 individual
$11,600 family
Prescriptions: Yes
Dental: Optional – Flexible Blue Dental PlusSM
Network: PPO

Blue Cross Blue Shield of Michigan designed Flexible Blue II to offer an innovative health care plan with preventive medical care to provide the protection you and your family need, when you need it.

No matter the situation: Self-employed? Facing a layoff? Considering early retirement? Losing employer-sponsored medical health care coverage? The most important thing you can do is keep your health in check.

Flexible Blue II is a health savings account-qualified health insurance plan and gives you the freedom to control how your health care dollars are spent. Let the Blues make your decision about health care coverage an easy one. The benefits in this plan helps take the guesswork out of insurance and leave you in complete control.

Flexible Blue II offers:

  • Deductible choices
  • Control of your money and health care
  • Tax advantages
  • Broad benefits
  • Large provider network

Medical Health Insurance For Young Adults

Young Adult Blue Benefit Plan

Affordable Medical Insurance

Eligibility Individuals 18 to 30 years old
Monthly rate Starting at $49.30
Copayment: 30% of the BCBSM-approved amount
Deductible: $1,000 individual
Annual out-of-pocket maximum: $3,500 individual
Prescriptions: Discounts available through the Affinity Rx Program
Dental: Optional – Personal Blue DentalSM and Personal Blue Dental PlusSM
Network: PPO

The MyBlue suite of health insurance products includes Young Adult Blue to offer you an affordable medical health care plan with a wide range of medical benefits to provide the protection you need, when you need it.

No matter the situation: Starting your career? Just graduating from college? Not eligible to be on your parents’ insurance? The most important thing you can do is know you are covered by the Blues, so you can go and live your life.

Let the Blues make your decision about health care coverage an easy one.

Young Adult Blue offers:

  • Key benefits
  • Large provider network
  • Reliability

Exclusions and Limitations

  • Conditions covered by workers’ compensation or similar law
  • services or supplies not specifically listed as covered under your benefit plan
  • services received before your effective date or after coverage ends;
  • services you wouldn’t have to pay for if you did not have this coverage;
  • services or supplies that are not medically necessary;
  • physical exams for insurance, employment, sports or school; any amounts in excess of BCBSM’s approved amount; cosmetic surgery
  • dental care, dental implants or treatment to the teeth except as specifically stated in your benefit plan;
  • hearing aids; infertility services;
  • private duty nursing;
  • eyeglasses or contact lenses;
  • telephone, facsimile machine or any other type of electronic consultation; educational services, except as specifically provided or arranged by BCBSM;
  • nutritional counseling; care or treatment furnished in a nonparticipating hospital, except as specifically stated in your benefit
    plan; personal comfort items; custodial care;
  • services or supplies supplied to any person not covered under your benefit plan; services while confined in a hospital or other facility owned or operated by state or federal government, unless required by law;
  • services provided by a professional provider to a family member;
  • services provided by any person who ordinarily resides in the covered person’s home or who is a family member; any drug, medicine or device that is not FDA–approved, unless required by law;
  • vitamins, dietary products and any other nonprescription supplements;
  • dental services, except for dental injury;
  • appliances or supplies;
  • war or any act of war, whether declared or not;
  • communication or travel time, lodging or transportation, except as stated in your benefit plan;
  • foot care services, except as stated in your benefit plan;
  • health clubs or health spas, aerobic and strength conditioning, work hardening programs and related material and products for these programs;
  • hair prosthesis, hair transplants or implants; experimental treatments, except as stated in your benefit plan;
  • weight loss programs; and alternative medicines or therapies.

This document is intended to be an easy–to–read summary. It is not a contract. Additional limitations and exclusions may apply to
covered services. A complete description of benefits is contained in the applicable Blue Cross Blue Shield of Michigan certificate and
riders. Payment amounts are based on the BCBSM–approved amount, less any applicable deductible and/or copay amounts required
by the plan. All covered benefits are subject to a pre–existing conditions waiting period, unless noted otherwise. This coverage is
provided pursuant to a contract entered into in the state of Michigan and shall be construed under the jurisdiction and according to
the laws of the state of Michigan.

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