What is Healthy Blue Living℠?
Who is this for?
If you're interested in our employer-sponsored, wellness-based health benefit plans, this will help you understand them better.
The healthier you are, the wealthier you are.
That’s the main idea behind Blue Care Network’s Healthy Blue Living plans. They're Michigan's first wellness-based HMO health care plans. We designed them to give you the knowledge, skills and support to achieve your health goals and earn the benefits: lower deductibles and copays.
There are two plans: Healthy Blue Living and Healthy Blue Living Rewards℠.
Healthy Blue Living
Healthy Blue Living is a participation-based, employer-sponsored plan with two benefit levels: standard and enhanced. To get the enhanced benefits—lower deductibles and copays—you have to meet the plan requirements.
These requirements are based on working to meet health goals in six areas:
- Tobacco Use
- Weight (body mass index below 30)
- Blood pressure (below 140/90)
- Cholesterol (LDL below target; may be <100, <130 or <160)
- Depression (in full remission)
- Blood sugar (at or below target)
Why did we pick these? They have a huge impact on your health and health care costs for everyone. Managing them also reduces your chances of developing one or more chronic or disabling diseases.
You can still be in the plan if you don’t want to participate in the requirements, but you’ll get the standard benefit level, with higher out-of-pocket costs.
You can learn more about the plan in the Healthy Blue Living Member Guide (PDF).
Healthy Blue Living Rewards
Healthy Blue Living Rewards is an outcome-based, employer-sponsored plan. It has three benefit levels:
- Enhanced—the maximum benefit level with the lowest deductibles and copays
- Intermediate—average level of deductibles and copays
- Standard—the highest deductibles and copays
Although it has the same health targets as Healthy Blue Living, this plan is a little different. To get the lowest deductibles and copays (enhanced benefits), you have to hit all the targets—you’re not using tobacco, your BMI is less than 30, your blood pressure is under 140/90, etc. That’s what makes Healthy Blue Living Rewards an outcome-based plan.
To get intermediate benefits, you need to be working towards meeting the health targets according to the plan requirements. For example, if your BMI is more than 30, you’ll have to participate in one of the weight management programs until your BMI drops below 30.
You can still be in the plan if you don’t want to meet the requirements, but you’ll get the standard benefit level, with higher out-of-pocket costs.
You can learn more about this plan in the Healthy Blue Living Rewards Member Guide (PDF).