Does my insurance cover flu shots?

Who is this for?

Michigan Health Insurance – Customer Service – Learn More

Blue Cross Blue Shield of Michigan and Blue Care Network members under age 65.

Flu.gov estimates that flu shots prevented five million people from getting the flu last year.

Before you get your flu shot, you can find out how much of the cost will be covered by your plan and where to get one.

To get started, look at your Blue Cross ID card to see which plan type you have:

  • PPO – Blue Cross Blue Shield of Michigan
  • HMO – Blue Care Network

PPO members

Flu shots fall under immunization coverage as part of your preventive care benefits. To make sure your plan covers flu shots:

  • Log in to your member account on our website or using the Blue Cross mobile app. Select My Coverage, Medical and then What's Covered. Look under Preventive Care Services.
  • Or call the Customer Service number on the back of your ID card and we'll help.

Where you can go to get a flu shot your plan will cover depends on if you have prescription coverage through Blue Cross. You’ll know if you see an Rx symbol on your ID card. 

Members with and without prescription coverage through us can schedule an appointment with their doctor for a flu shot.

Here are the guidelines for getting a flu shot from a pharmacy.

If you have Blue Cross prescription coverage

Visit a participating pharmacy. Be sure to confirm that they accept your coverage before you get your vaccine.

If you don't have Blue Cross prescription coverage

Visit an immunizing pharmacy. These pharmacies provide vaccines under your medical coverage. You can find one on the list of Blue Cross Blue Shield of Michigan Immunizing Pharmacies (PDF).

HMO members

Blue Care Network HMO members can get a free annual flu shot two ways.

See your primary care physician. We recommend calling at least 30 days in advance to make your appointment.

Go to a participating pharmacy. Simply:

  • Call your local pharmacy to see if they provide flu shots
  • Ask if they participate with Blue Care Network
  • If they do, bring your ID card with you when you go to get your flu shot