Point of Service Network

A Point of Service plan, or POS, is the perfect solution for your employees who want to balance cost with network choice. Offered through Blue Care Network, these plans provide you with affordable options.

Why offer a POS network

Combines the flexibility and affordability of HMO and PPO plans
This network offers out-of-state coverage for eligible employees.
Employees can receive care in or out of network; they'll just pay more for out-of-network care.

How POS plans work

We can help you balance what matters most to you and your employees — cost and choice. A POS network combines the two most common types of health insurance plans, HMO and PPO, giving them flexibility and affordability.

This network also makes it easy for your employees to seek care using our vast HMO network. If your employee has a Michigan address, they’ll need to select a primary care provider, or PCP. They can still go to a specialist and other physicians without a referral. If your employee lives outside of Michigan, they won’t have to choose a PCP.

This offers you an exceptional value. It also gives your employees the option of both in- and out-of-network doctors, hospitals and specialists. Even though a referral isn’t required, certain services will still require prior approval by BCN.

In-network versus out-of-network providers

  • In-network providers are BCN HMO contracted providers and out-of-state BlueCard Traditional participating providers. Members pay less out of pocket when they’re seen by these providers.
  • Out-of-network providers are other providers within the U.S. that aren’t BCN HMO contracted providers or BlueCard Traditional participating providers. 

Ready to get started?

We'll help you determine if this solution is right for you.


Downloadable resources

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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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