Ways HMOs benefit your company
- HMO plans typically cost your company less.
- Employees have lower monthly premiums and out-of-pocket costs.
- Members often receive better health outcomes.
- Fewer unnecessary specialist visits result in reduced costs.
How HMOs work
With an HMO network, your employees choose a primary care physician, or PCP, to help organize their care. PCPs refer your employees to specialists when needed. This helps keep costs low for your company by reducing unnecessary visits.
Visits to health care professionals outside of the network aren't typically covered by insurance. But your employees can see obstetrician-gynecologists, behavioral health professionals and get emergency care from out-of-network providers. This flexibility lets your employees get important care when and where they need it.
Our Blue Care Network has 6,000 PCPs, 24,000 specialists and 133 acute care hospitals throughout Michigan for your employees to choose from.
Use these toolkits to educate your employees on how to get the most out of their health plan.View all
Help your employees learn more about prevention, coverage and care of COVID-19View toolkit
Help your employees understand how to enroll in a health care plan.View toolkit
Educate your employees on the importance of getting the flu shot during flu season.View toolkit
Using an online account
Help your employees learn how to manage their online account at bcbsm.com.View toolkit
Explore health care insights
Read about the latest news and innovations from the experts themselves.See all insights
Blue Cross Masterclass
Join a live presentation with our health care experts, examining topics you've told us mean the most to your business.Reserve your seat
What you need to know about the coronavirus
Read the latest updates on how officials and are responding to the global pandemic.Read more
Resources to share with your employees
Browse brochures, videos and posters designed to help your employees get the most out of their Blue Cross coverage.View toolkits