Your business faces complex challenges every day. Blue Cross Blue Shield of Michigan can help you solve them. Get to know our innovative programs and how they can help you address total cost of care, as well as improve the whole health of your employees.
Blue Cross is here for you. We provide an entire support system to help you make the best decisions and drive the best outcomes for your organization.
With a fully insured plan, you pay monthly premiums. Blue Cross Blue Shield of Michigan will manage everything else.
Annual costs are predictable, with a consistent monthly premium.
We assume the risk for your group’s health care costs.
You must select from Blue Cross plan designs.
We also offer self-funded plans, in which your business pays claims costs. You would not pay monthly premiums to Blue Cross, only an administrative and stop-loss fee.
Claims costs are based on your group’s actual claims utilization.
Your company assumes the risk.
You get more flexibility with your plan design.
Read about the latest news and innovations from the experts themselves.See all insights
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We're moving to a pharmacy benefits management system to keep costs more stable for our group customers and members.Read more about the changes
Browse brochures, videos and posters designed to help your employees get the most out of their Blue Cross coverage.View toolkits
Blue Cross has a number of nationwide solutions for employees outside Michigan:
To find out how these networks can fit your business' needs, connect with us.
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. Because of that, they're all designed to have certain advantages, for both employer and employee:
Which one is best for you and your employees? We’ll try to help you decide.
Note: There are occasions when you can offer — and employees can have — more than one of these accounts. For more information, contact your representative.
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 6-9% lower when you choose a plan with the PCP Focus network.