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What are the differences between the health care plans?

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Michigan Health Insurance – Customer Service – Learn More

If you're shopping for health insurance, this information can help you understand the differences between the health care plans we offer.

When you’re shopping for health insurance, you have a lot of options to choose from. Knowing the differences between plans can help you choose the one that’s right for your health care needs and budget. 

We offer four different types of plans:

  • Health Maintenance Organization (HMO): Our HMO plans cover hospital, medical, surgical and preventive services. You select one primary care physician who will refer you out to specialists when needed. Out-of-network services usually aren’t covered.
  • Managed Traditional: Our Managed Traditional plans are an option for coverage through your employer.
  • Point of Service (POS): We have one POS plan: Blue Care Network’s Medicare Advantage plan, BCN Advantage.
  • Preferred Provider Organization (PPO): Our PPO plans cover hospital, medical, surgical and preventive services. You don’t need a primary care physician or referrals to see specialists. You can choose any doctor or hospital, but you’ll save money by staying in-network.

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