HMO Network

An HMO plan, or health maintenance organization, offered through Blue Care Network benefits both you and your employees. Your employees receive personalized care and save money, and your business will see lower costs.

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. 

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Downloadable resources

Use these toolkits to educate your employees on how to get the most out of their health plan.

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Help your employees learn more about prevention, coverage and care of COVID-19

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Open enrollment

Help your employees understand how to enroll in a health care plan.

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Flu shot

Educate your employees on the importance of getting the flu shot during flu season.

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Using an online account

Help your employees learn how to manage their online account at

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Explore health care insights

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Blue Cross Masterclass

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What you need to know about the coronavirus

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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.

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