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

  1. HMO plans typically cost your company less.
  2. Employees have lower monthly premiums and out-of-pocket costs.
  3. Members often receive better health outcomes.
  4. 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. 

Our Blue Care Network has 6,000 PCPs, 24,000 specialists and 133 acute care hospitals throughout Michigan for your employees to choose from. 

Product one-pagers

When selecting a network for your health plan, a single approach may not meet your needs. At Blue Cross, we offer a variety of products, ranging from lower premiums with narrower networks to higher premiums with broader networks. It's important to consider the trade-offs when weighing your options.

Health Maintenance Organization one-pager (PDF)
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Focus Select Network one-pager (PDF)
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Healthy Blue Living one-pager (PDF)
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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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TOOLKIT
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Behavioral health

Help your employees learn more about their options for mental health care.

Read about behavioral health
TOOLKIT
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Open enrollment

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

Find out about open enrollment
TOOLKIT
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Flu shot

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

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TOOLKIT
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Using an online account

Help your employees learn how to manage their online account at bcbsm.com.

Learn about online accounts

Frequently asked questions

Our agents can help you set up your plan, enroll your employees and help you determine the easiest way to set up payments. Contact an agent to learn more. 

There are three types of accounts used to pay for medical expenses: a health savings account, or HSA, a health reimbursement arrangement, or HRA, and a flexible spending account, also known as an FSA.

These accounts are part of what's called consumer-directed health care. They offer:

  • Potential tax savings by being tax exempt or tax deductible
  • More control over health care costs
  • Lower health care costs

We can help you decide which is best for your business and employees. Connect with us.

PCP Focus is a custom primary care physician HMO network offered by Blue Care Network. The doctors your employees will choose from this network have shown they can provide quality care and a high level of efficiency that lowers health care costs. We pass those savings on to you: your premiums are up to 8% lower when you choose a plan with the PCP Focus network.

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WEBINAR Series

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Resources

Pharmacy benefit manager changes

We're moving to a pharmacy benefits management system to keep costs more stable for our group customers and members.

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TOOLKITS

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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Choices for care

Learn how we can help you communicate medical care options to your employees.

PPO network

Your employees will get affordable care with the largest network in Michigan.

Point of Service network

This hybrid network offers the best of both worlds, affordable care and provider choice.

Still have questions?

We can help you find the right solutions for your business' unique needs.

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