Summary of Benefits and Coverage (SBC)

Learn about your coverage

A summary of benefits and coverage from Blue Cross Blue Shield of Michigan or Blue Care Network explains things like what your health plan covers, what it doesn't cover, and what your share of costs will be.

These documents also show your estimated out-of-pocket costs for two sample medical events: having a baby and managing diabetes.

The examples are meant to help you understand what you might pay, and compare that to other plans. Keep in mind they aren't based on actual prices.

If you're not familiar with the health insurance terms used on a summary of benefits and coverage, here's a Glossary of Health Coverage and Medical Terms. For help in another language, visit our Language Assistance page.

Questions? Please call 1-888-288-2738 and we'll help.

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2026 Plans

Open enrollment for 2027 will be from Nov. 1, 2026, to Jan. 15, 2027.

Open enrollment for 2026 has ended but you may be able get or change insurance coverage through special enrollment if you've had one of these qualifying life events.

This is only a summary of coverage. For more information, log in to your account at bcbsm.com. You’ll find detailed plan documents under the My Coverage section.

2026 Blue Cross® Select HMO Value (PDF)

2026 Blue Cross® Premier PPO Value (PDF)

2026 Blue Cross® Preferred HMO Value (PDF)

 

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This is only a summary of coverage. For more information, log in to your account at bcbsm.com. You’ll find detailed plan documents under the My Coverage section.

Local

2026 Blue Cross® Local HMO Bronze Saver HSA (PDF)

2026 Blue Cross® Local HMO Bronze HSA (PDF)

2026 Blue Cross® Local HMO Bronze Extra (PDF)

2026 Blue Cross® Local HMO Bronze Plus (PDF)

2026 Blue Cross® Local HMO Bronze Secure (PDF)

 

Select

2026 Blue Cross® Select HMO Bronze Saver HSA (PDF)

2026 Blue Cross® Select HMO Bronze HSA (PDF)

2026 Blue Cross® Select HMO Bronze Extra (PDF)

2026 Blue Cross® Select HMO Bronze Plus (PDF)

2026 Blue Cross® Select HMO Bronze Secure (PDF)

 

Preferred

2026 Blue Cross® Preferred HMO Bronze Saver HSA (PDF)

2026 Blue Cross® Preferred HMO Bronze HSA (PDF)

2026 Blue Cross® Preferred HMO Bronze Extra (PDF)

2026 Blue Cross® Preferred HMO Bronze Plus (PDF)

2026 Blue Cross® Preferred HMO Bronze Secure (PDF)

 

Premier

2026 Blue Cross® Premier PPO Bronze Saver HSA (PDF)

2026 Blue Cross® Premier PPO Bronze HSA (PDF)

2026 Blue Cross® Premier PPO Bronze Extra (PDF)

2026 Blue Cross® Premier PPO Bronze Plus (PDF)

2026 Blue Cross® Premier PPO Bronze Secure (PDF)

 

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Your eligibility for a silver plan depends upon your income. Everyone can buy our Silver 70 plans. The 70 means overall we cover about 70 percent of your health care costs.
You're eligible for the other health plans if your income falls within a certain range compared to the federal poverty level. Like the Silver 70 plans, the number tells you how much of your health care costs the health plan covers. So a Silver 87 covers about 87 percent.

This is only a summary of coverage. For more information, log in to your account at bcbsm.com. You’ll find detailed health plan documents under the My Coverage section.

Silver 70

2026 Blue Cross® Local HMO Silver Saver 70 (PDF)

2026 Blue Cross® Local HMO Silver Extra 70 (PDF)

2026 Blue Cross® Local HMO Silver Secure 70 (PDF)

2026 Blue Cross® Local HMO Silver Plus 70 (PDF)

2026 Blue Cross® Local HMO Silver HSA 70 (PDF)

2026 Blue Cross® Select HMO Silver Saver 70 (PDF)

2026 Blue Cross® Select HMO Silver 70 (PDF)

2026 Blue Cross® Select HMO Silver Extra 70 (PDF)

2026 Blue Cross® Select HMO Silver Secure 70 (PDF)

2026 Blue Cross® Select HMO Silver Plus 70 (PDF)

2026 Blue Cross® Select HMO Silver HSA 70 (PDF)

2026 Blue Cross® Preferred HMO Silver Saver 70 (PDF)

2026 Blue Cross® Preferred HMO Silver 70 (PDF)

2026 Blue Cross® Preferred HMO Silver Extra 70 (PDF)

2026 Blue Cross® Preferred HMO Silver Secure 70 (PDF)

2026 Blue Cross® Preferred HMO Silver Plus 70 (PDF)

2026 Blue Cross® Preferred HMO Silver HSA 70 (PDF)

2026 Blue Cross® Premier PPO Silver Saver HSA 70 (PDF)

2026 Blue Cross® Premier PPO Silver 70 (PDF)

2026 Blue Cross® Premier PPO Silver Extra 70 (PDF)

2026 Blue Cross® Premier PPO Silver Secure 70 (PDF)

2026 Blue Cross® Premier PPO Silver Plus 70 (PDF)

2026 Blue Cross® Premier PPO Silver HSA 70 (PDF)

 

Silver 73

Income 200-250 percent above the federal poverty level:

2026 Blue Cross® Local HMO Silver Saver 73 (PDF)

2026 Blue Cross® Local HMO Silver Extra 73 (PDF)

2026 Blue Cross® Local HMO Silver Secure 73 (PDF)

2026 Blue Cross® Select HMO Silver Saver 73 (PDF)

2026 Blue Cross® Select HMO Silver 73 (PDF)

2026 Blue Cross® Select HMO Silver Extra 73 (PDF)

2026 Blue Cross® Preferred HMO Silver Saver 73 (PDF)

2026 Blue Cross® Preferred HMO Silver 73 (PDF)

2026 Blue Cross® Preferred HMO Silver Extra 73 (PDF)

2026 Blue Cross® Premier PPO Silver Saver HSA 73 (PDF)

2026 Blue Cross® Premier PPO Silver 73 (PDF)

2026 Blue Cross® Premier PPO Silver Extra 73 (PDF)

 

Silver 87

Income 150-200 percent above the federal poverty level:

2026 Blue Cross® Local HMO Silver Saver 87 (PDF)

2026 Blue Cross® Local HMO Silver Extra 87 (PDF)

2026 Blue Cross® Local HMO Silver Secure 87 (PDF)

2026 Blue Cross® Select HMO Silver Saver 87 (PDF)

2026 Blue Cross® Select HMO Silver 87 (PDF)

2026 Blue Cross® Select HMO Silver Extra 87 (PDF)

2026 Blue Cross® Preferred HMO Silver Saver 87 (PDF)

2026 Blue Cross® Preferred HMO Silver 87 (PDF)

2026 Blue Cross® Preferred HMO Silver Extra 87 (PDF)

2026 Blue Cross® Premier PPO Silver 87 (PDF)

2026 Blue Cross® Premier PPO Silver Extra 87 (PDF)

 

Silver 94

Income 138-150 percent above the federal poverty level:

2026 Blue Cross® Local HMO Silver Saver 94 (PDF)

2026 Blue Cross® Local HMO Silver Extra 94 (PDF)

2026 Blue Cross® Local HMO Silver Secure 94 (PDF)

2026 Blue Cross® Select HMO Silver Saver 94 (PDF)

2026 Blue Cross® Select HMO Silver 94 (PDF)

2026 Blue Cross® Select HMO Silver Extra 94 (PDF)

2026 Blue Cross® Preferred HMO Silver Saver 94 (PDF)

2026 Blue Cross® Preferred HMO Silver 94 (PDF)

2026 Blue Cross® Preferred HMO Silver Extra 94 (PDF)

2026 Blue Cross® Premier PPO Silver 94 (PDF)

2026 Blue Cross® Premier PPO Silver Extra 94 (PDF)

2026 Blue Cross® Premier PPO Silver Saver 94 (PDF)

 

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This is only a summary of coverage. For more information, log in to your account at bcbsm.com. You’ll find detailed health plan documents under the My Coverage section.

Preferred

2026 Blue Cross® Preferred HMO Gold (PDF)

2026 Blue Cross® Preferred HMO Gold Extra (PDF)

 

Premier

2026 Blue Cross® Premier PPO Gold (PDF)

2026 Blue Cross® Premier PPO Gold Extra (PDF)

 

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Are you eligible for Native American cost sharing benefits under health care reform from the Affordable Care Act, or ACA? Choose your summary of benefits coverage based on whether your income is more or less than 300 percent of the federal poverty level.


This is only a summary of coverage. For more information, log in to your account at bcbsm.com. You’ll find detailed plan documents under the My Coverage section.

Bronze

 

Select

2026 Blue Cross® Select HMO Bronze Saver HSA Native American Less Than 300 (PDF)

2026 Blue Cross® Select HMO Bronze Saver HSA Native American More Than 300 (PDF)

2026 Blue Cross® Select HMO Bronze Extra Native American Less Than 300 (PDF)

2026 Blue Cross® Select HMO Bronze Extra Native American More Than 300 (PDF)

2026 Blue Cross® Select HMO Bronze Secure Native American Less Than 300 (PDF)

2026 Blue Cross® Select HMO Bronze Secure Native American More Than 300 (PDF)

Preferred

2026 Blue Cross® Preferred HMO Bronze Saver HSA Native American Less Than 300 (PDF)

2026 Blue Cross® Preferred HMO Bronze Saver HSA Native American More Than 300 (PDF)

2026 Blue Cross® Preferred HMO Bronze Extra Native American Less Than 300 (PDF)

2026 Blue Cross® Preferred HMO Bronze Extra Native American More Than 300 (PDF)

2026 Blue Cross® Preferred HMO Bronze Secure Native American Less Than 300 (PDF)

2026 Blue Cross® Preferred HMO Bronze Secure Native American More Than 300 (PDF)

Local

2026 Blue Cross® Local HMO Bronze Extra Native American Less Than 300 (PDF)

2026 Blue Cross® Local HMO Bronze Extra Native American More Than 300 (PDF)

2026 Blue Cross® Local HMO Bronze Secure Native American Less Than 300 (PDF)

2026 Blue Cross® Local HMO Bronze Secure Native American More Than 300 (PDF)

Premier

2026 Blue Cross® Premier PPO Bronze Saver HSA Native American Less Than 300 (PDF)

2026 Blue Cross® Premier PPO Bronze Native American Saver HSA More Than 300 (PDF)

2026 Blue Cross® Premier PPO Bronze Extra Native American Less Than 300 (PDF)

2026 Blue Cross® Premier PPO Bronze Extra Native American More Than 300 (PDF)

2026 Blue Cross® Premier PPO Bronze Secure Native American Less Than 300 (PDF)

2026 Blue Cross® Premier PPO Bronze Secure Native American More Than 300 (PDF)

 

Silver

 

Select

2026 Blue Cross® Select HMO Silver Saver Native American Less Than 300 (PDF)

2026 Blue Cross® Select HMO Silver Saver Native American More Than 300 (PDF)

2026 Blue Cross® Select HMO Silver Native American Less Than 300 (PDF)

2026 Blue Cross® Select HMO Silver Native American More Than 300 (PDF)

2026 Blue Cross® Select HMO Silver Extra Native American Less Than 300 (PDF)

2026 Blue Cross® Select HMO Silver Extra Native American More Than 300 (PDF)

Preferred

2026 Blue Cross® Preferred HMO Silver Saver Native American Less Than 300 (PDF)

2026 Blue Cross® Preferred HMO Silver Saver Native American More Than 300 (PDF)

2026 Blue Cross® Preferred HMO Silver Native American Less Than 300 (PDF)

2026 Blue Cross® Preferred HMO Silver Native American More Than 300 (PDF)

2026 Blue Cross® Preferred HMO Silver Extra Native American Less Than 300 (PDF)

2026 Blue Cross® Preferred HMO Silver Extra Native American More Than 300 (PDF)

Premier

2026 Blue Cross® Premier PPO Silver Saver Native American Less Than 300 (PDF)

2026 Blue Cross® Premier PPO Silver Saver Native American More Than 300 (PDF)

2026 Blue Cross® Premier PPO Silver Native American Less Than 300 (PDF)

2026 Blue Cross® Premier PPO Silver Native American More Than 300 (PDF)

2026 Blue Cross® Premier PPO Silver Extra Native American Less Than 300 (PDF)

2026 Blue Cross® Premier PPO Silver Extra Native American More Than 300 (PDF)

Local

2026 Blue Cross® Local PPO Silver Saver Native American Less Than 300 (PDF)

2026 Blue Cross® Local PPO Silver Saver Native American More Than 300 (PDF)

2026 Blue Cross® Local PPO Silver Extra Native American Less Than 300 (PDF)

2026 Blue Cross® Local PPO Silver Extra Native American More Than 300 (PDF)

 

Gold

 

Preferred

2026 Blue Cross® Preferred HMO Gold Native American Less Than 300 (PDF)

2026 Blue Cross® Preferred HMO Gold Native American More Than 300 (PDF)

2026 Blue Cross® Preferred HMO Gold Extra Native American Less Than 300 (PDF)

2026 Blue Cross® Preferred HMO Gold Extra Native American More Than 300 (PDF)

Premier

2026 Blue Cross® Premier PPO Gold Native American Less Than 300 (PDF)

2026 Blue Cross® Premier PPO Gold Native American More Than 300 (PDF)

2026 Blue Cross® Premier PPO Gold Extra Native American Less Than 300 (PDF)

2026 Blue Cross® Premier PPO Gold Extra Native American More Than 300 (PDF)