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Michigan Health Insurance Plans | BCBSM

Need to buy a Michigan health plan for you or your family? Do you have questions about your existing individual or group policy? Blue Cross is here.

Actived: Saturday Jan 16, 2021

URL: https://www.bcbsm.com/

Michigan Health Insurance Plans | BCBSM

Details: Health and dental insurance carrier providing information and online forms for card holders, physicians, dentists, hospitals and group customers.

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Life Insurance - bcbsm.com

Details: Get peace of mind with a life insurance plan from Assurity. Extending your coverage can help protect your loved ones' financial future. The benefits can help pay for things like personal debts, medical bills and funeral expenses. Protect those you care about with a plan that lets you: Apply quickly, with no medicals exams or invasive tests

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How Health Insurance Works | FAQs | bcbsm.com

Details: Have questions about how health insurance works? You've come to the right place. We've covered the basics of health insurance for you below. We explain the differences between deductibles, coinsurance and copays, in-network and out-of-network benefits, HMO and PPO plans and more.

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What's New in Health Care | Health Insurance 101 | bcbsm.com

Details: If you want to get the most out of your health insurance plan, you have to find a balance between coverage and cost. Watch this video for tips. Watch video. All about essential benefits and preventive care. These 10 categories of care are in each plan on healthcare.gov. Find out how they can help you.

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Understanding My Benefits | FAQs | bcbsm.com

Details: We know health insurance can be confusing, whether you have recently purchased a new insurance plan with us or you're a long-time member. That's why we've assembled all the information you need to know to understand your benefits.

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Buying Health Insurance | FAQs | bcbsm.com

Details: How individual health insurance works. If you're used to getting insurance through an employer, buying your own is a change. Health care reform also changed individual and family health coverage. We'll help you understand it better so you can make the right choice.

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How do deductibles, coinsurance and copays work? | bcbsm.com

Details: A deductible is the amount you pay for health care services before your health insurance begins to pay. How it works: If your plan’s deductible is $1,500, you’ll pay 100 percent of eligible health care expenses until the bills total $1,500.

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Summary of Benefits and Coverage | bcbsm.com

Details: A summary of benefits and coverage explains things like what a health insurance plan covers, what it doesn't cover, and what your share of costs will be. These documents also show your estimated costs for two sample medical events: having a baby and managing diabetes.

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Does my health insurance cover vaccines? | bcbsm.com

Details: See if your insurance plan covers flu shots. Find out if you're covered. To get started, look at your Blue Cross ID card to see whether you have a PPO plan or an HMO plan. PPO members. Your PPO plan covers vaccinations in most cases. However, if your employer purchased your plan before the Affordable Care Act was enacted, you may have a copay.

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MPSERS | Michigan Public Schools Retirees | bcbsm.com

Details: Medicare members: Medicare Plus Blue Group PPO. With our Medicare PPO health plan for Michigan Public School Retirees, you'll have access to any doctor in our network without a referral.

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2021 Individual and Family Health Plans | BCBSM

Details: Bronze plans are the best option if you don't use your health insurance often. They have the lowest monthly payments for people over 30, but you'll pay full cost for many services before you pay your deductible.

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Health insurance options when you lose your job | bcbsm.com

Details: A deductible is the amount you pay for health care services before your health insurance begins to pay. Unfortunately, that amount doesn’t transfer from plan to plan. Your deductible starts over when you switch to new insurance.

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Coverage level and cost | Health Insurance 101 | bcbsm.com

Details: Health care costs can add up quickly. You have to consider how much you’re able to pay in monthly premiums, copays, coinsurance and deductibles when you pick your plan. Our health plan advisors have some tips to help you decide what metal tier or level of coverage is best for your budget.

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For Employers: What is ERISA? | BCBSM

Details: A fully insured group purchases insurance through a company like Blue Cross Blue Shield of Michigan or Blue Care Network. A self-funded group, as the name suggests, funds its own plan and pays for employee health care.

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No-fault auto insurance changes in Michigan | bcbsm.com

Details: The new Michigan no-fault auto insurance law means that residents are no longer required to buy unlimited personal injury protection, or PIP, with their auto insurance. You’ll have the option of choosing from different levels of personal injury protection coverage.

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How to buy individual health insurance | FAQs | bcbsm.com

Details: Open enrollment is a set time each year to buy individual health insurance. For coverage in 2021, the open enrollment period is Nov. 1 to Dec. 15, 2020. Unless you qualify for special enrollment, this is the only time you can sign up for individual or family coverage.

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Eligibility and Coverage | For Providers | bcbsm.com

Details: How to verify enrollment. The member's ID card, or the acknowledgement letter from Blue Cross Blue Shield of Michigan, shows that the member is enrolled in a plan.

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2021 Blue Dental Plans | PPO 100/50/50 with Vision | BCBSM

Details: This plan picks up where most medical insurance leaves off. Preventive dental care like exams and cleanings are covered at 100 percent when you see an in-network dentist, and adult vision care with copays as low as $10. Your monthly payments will be higher compared to our EPO 80/50/50 With Vision plan, but everyone in the family has dental and

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What are the odds? — Health Insurance 101 — bcbsm.com

Details: When you create a monthly budget, sometimes it’s hard to fit everything in. But one thing you’ll always want to make room for is health insurance. Why? Because it protects you from unexpected health care costs that you didn’t budget for. Read this infographic to learn more about why being uninsured is a gamble you don't want to take.

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Help Center - Affordable Michigan Health Insurance Quotes

Details: Health Insurance Tax Estimator You can use our estimator to see a breakdown of the federal and state taxes and fees you'll be paying with your health insurance. Health spending accounts. Health Savings Account Calculators Want to know if a health savings account is right for you?

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For Employers: What is a rate sheet? | BCBSM

Details: The benefit ID is the number printed on your employee’s insurance ID card. If you're a renewing customer, the last line lists your Relative Rate Level (RRL). It compares the base cost of your insurance to how your group uses it. This replaces the Case Characteristic Factor (CCF). We've always used relative rate level for ERS and self-funded

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Blue Cross Premier PPO Bronze HSA

Details: For even more details about this plan, see the Certificate of Coverage (PDF)Certificates are legal documents that describe the benefits of a health insurance plan. Your plan might have different benefits and limitations than those listed in this document.

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Affordable Dental and Vision Plans in Michigan | bcbsm.com

Details: Blue Dental SM PPO 100/50/50. This all-ages dental plan covers 100 percent of preventive care like exams and cleanings when you see a PPO in-network dentist.

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87 - Affordable Michigan Health Insurance Quotes | bcbsm.com

Details: For even more details about this plan, see the Certificate of Coverage (PDF)Certificates are legal documents that describe the benefits of a health insurance plan. Your plan might have different benefits and limitations than those listed in this document.

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Frequently Asked Questions | Help Center | bcbsm.com

Details: How health insurance works How do deductibles, coinsurance and copays work? This page defines the common terms deductible, coinsurance and copay, and explains how they affect your health care costs.

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How to pay the first bill for a healthcare.gov plan

Details: After you enroll in a Blue Cross plan at healthcare.gov, you have two options: pay now or pay later.. Pay now: To pay now, you'll need your payment transaction ID, which is sometimes called an application ID, from healthcare.gov.You'll also need to know the amount you owe and the Blue Cross Blue Shield of Michigan or Blue Care Network plan you enrolled in.

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Other Topics | Help Center | bcbsm.com

Details: Here you'll find articles explaining aspects of health insurance that don't quite fit under any other label. Select a topic below to get answers to some of your questions. Tax and legal information. Learn more about the 1095 tax form, subrogation, or how you can report fraud or request legal or medical records.

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MSU Health Plan - Affordable Michigan Health Insurance Quotes

Details: Get easy access to the state's largest HMO health care network. As a college student, you have enough to worry about. With access to the Michigan State University Health Plan, you now have one less worry.

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How does family size impact my insurance cost? | bcbsm.com

Details: But when it comes to your health insurance costs, the number of people on a plan does affect what you pay. We'll show you how. Premiums and people on your plan. When you add a spouse or child onto a plan, your monthly payment goes up. That's because you're charged for each person covered by your plan. When you have more than three children

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Dental Plans | Frequently Asked Questions | bcbsm.com

Details: If you're looking for a separate dental or pediatric dental plan to help cover preventive dental services or if you need a dental reimbursement form, you can find that information here.

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For Employers: Frequently asked questions | BCBSM

Details: This explains the difference between a small and large group, which affects the health insurance you buy. How to choose an HSA, FSA or HRA for your employees. Find out what your options are for health spending accounts and how to decide which one is right for your employees.

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How is Medicare different from other health insurance

Details: And if you had health insurance through work, you probably had dental and vision coverage, too. Original Medicare, or Medicare you get from the government, only covers medical and hospital benefits. But there are plans on the market that combine medical, prescription, dental and vision coverage on one plan. They're called Medicare Advantage plans.

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For Employers: Health insurance for employees | bcbsm.com

Details: Health Insurance for Employers. Blue Cross Blue Shield of Michigan and Blue Care Network are your strategic partners for Smarter, Better Healthcare℠. We'll help you select and manage the best plans for you and your employees.

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How are bronze, silver and gold plans different? | bcbsm.com

Details: If you choose a gold plan, overall you'll pay about 20 percent, and your insurance company will pay about 80 percent. Silver plans are a little different. You may be eligible for a cost sharing reduction subsidy. Depending on your income, this subsidy means you could qualify for a silver plan that covers about 73, 87 or 94 percent of your

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Medicare | How can I order a new ID card? | bcbsm.com

Details: If your Blue Cross ID card is lost or damaged, you don't need to worry. It's easy to get a replacement ID card. And you're still covered, even when you're waiting for your new card to come in the mail.

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BCN Advantage℠ HMO-POS and BCN Advantage℠ HMO

Details: Blue Care Network offers two types of Medicare Advantage plans: BCN Advantage HMO-POS and BCN Advantage HMO. All BCN Advantage plans combine the benefits of original Medicare Parts A and B with additional coverage to create health care plans offering Medicare coverage and much more.

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For Employers: Health plans for small groups | bcbsm.com

Details: Cover your employees’ overall health with Blue Dental insurance plans. More options Go beyond the basics with additional financial protection products including life insurance, disability and more.

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How do I find a dentist? | FAQs | bcbsm.com

Details: Finding a dentist in the Blue Dental PPO network or who has participated through Blue Par Select in the past is easy. Just use our online search.. You’ll need to know what kind of dental plan you have; an individual plan, a plan through your employer or Medicare, or another public plan.

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What's a health savings account? | bcbsm.com

Details: A health savings account, or HSA, is a kind of health spending account. You can only pair it with a qualifying health plan. Most people put money into their HSA by having it deposited from their paycheck before taxes.

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What happens if my doctor leaves your network? | FAQs

Details: You can continue care: For up to 90 days after your doctor notifies you they are leaving the network. Through postpartum care, if you are in the second or third trimester of pregnancy when your doctor leaves the network.

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life-events - Affordable Michigan Health Insurance Quotes

Details: Loss of Children's Health Insurance Program, or CHIP, coverage: Letter from CHIP with your coverage end date: Moving to a different coverage area that affects your plan: Driver's license or state ID card, lease or mortgage agreement, post office address change: Renewal of your individual health insurance plan

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What is the Health Insurance Marketplace? | FAQs| bcbsm.com

Details: Health Insurance Marketplace; What will I see? You can see all our medical and dental plans. You'll see only the plans available to you based on your income and location. Can I compare plans? You can compare the plans we're offering side-by-side. You can compare plans from all Michigan insurance companies participating in the Marketplace.

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Does my health plan cover breast pumps? | FAQs | bcbsm.com

Details: Most members can check their benefits online to see if durable medical equipment such as breast pumps are covered. Log in to our website or use the Blue Cross Blue Shield of Michigan mobile app; Go to your plan benefits

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MIChild | Frequently Asked Questions | bcbsm.com

Details: MIChild is a state-run program that helps Michigan families get the health care they need for their uninsured or underinsured children. Read more about the MIChild program on mibluecrosscomplete.com.

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State of Michigan | Retirees | Blue Cross Blue Shield of

Details: Covered under the State Health Plan. If you're looking for general information on your coverage, this is a great place to start. To find detailed plan information (such as your claims history and Blue Cross ® Health & Well-Being), log in to your account at bcbsm.com.. If you can't find what you need, call the Customer Service number on the back of your enrollee ID card and we'll help.

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MPSERS – Vision Plan – Blue Cross Blue Shield of Michigan

Details: Everyone who has a vision plan with MPSERS will get a new vision ID card. Here are a few things you should know about your card: Although you’ll get a new vision card, you won’t get a new medical card.

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Affordable Dental and Vision Plans in Michigan | BCBSM

Details: Choose from dental insurance plans for all ages, and plans that include adult vision care. Dental Blue Dental SM PPO 80/50/50. See any Michigan dentist, in or out of our PPO network, when you sign up for this plan. Blue Dental SM PPO 100/50/50. This all-ages dental plan covers 100 percent of preventive care like exams and cleanings when you see

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For employers: Plan forms and documents | BCBSM

Details: PCP Focus is a custom primary care physician HMO network offered by Blue Care Network. The doctors your employees will choose from this network have shown they can provide quality care and a high level of efficiency that lowers health care costs.

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