Understanding My Benefits
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. Select a topic below to learn more.
Frequently asked questions
- What is coordination of benefits?
Do you have more than one health insurance plan? This information will help you learn how you can coordinate your benefits.
- How to read your Explanation of Benefits
Get help reading your explanation of benefits statement.
- How can I get a waiver for the pre-existing waiting period?
If you recently began coverage with Blue Cross Blue Shield of Michigan and have a pre-existing condition, we can help you apply for a waiver for the 180 day waiting period.
- How do I know if my policy has autism coverage?
If you’re a Blue Cross Blue Shield of Michigan or Blue Care Network member, we can help you find out if your plan covers the diagnosis and treatment of autism spectrum disorders.
- Autism Coverage FAQ
If you’re a Blue Cross Blue Shield of Michigan or Blue Care Network member, this will help you understand recent changes in autism coverage.
- Health assessment FAQ
Search our frequently asked questions to find answers to your questions on the health assessment.
- Why can't I see my EOB online?
Here are some of the reasons you might not be able to see your online Explanation of Benefits and some helpful suggestions.
- How does chronic condition management work?
When you have an ongoing medical condition, we offer programs designed to make managing your health easier.
- Why are preventive services important?
Understand what preventive services are and how they can help you stay healthy.
- Are there online health resources I can access?
We want you to get healthy and stay healthy. That’s why we’ve developed online programs that can help you to make informed decisions or provide tools on how to live with an illness.
- Are flu shots covered by my insurance?
Learn how to find out what kind of coverage you have for flu shots. Depending on your plan, they may even be free.
Plan documents and forms
- New Member Welcome Kit
Your welcome kit will explain how to qualify for wellness incentives. You'll also find information about your health benefits, online resources, health and wellness tips and exclusive member discounts.
- Coordination of Benefits Form
Do you have additional health coverage through a different company? If so, you'll need to let us know. Fill out this form.
- Application for waiver of the pre-existing condition waiting period
Use this form to apply for a waiver of the 180-day pre-existing condition waiting period.
- Qualification Form
You and your doctor will need to fill out this form if it's required by your health insurance plan.