Frequently Asked Questions
How health insurance works
- How do deductibles, coinsurance and copays work?
This page defines the common terms deductible, coinsurance and copay, and explains how they affect your health care costs. - What’s the difference between in network and out of network?
Learn how choosing between in-network or out-of-network doctors and facilities can affect how much you pay for your health care services. - What’s the difference between HMO and PPO plans?
Watch a video and find out more about what makes HMOs and PPOs unique so you can choose the one that’s right for your health care needs.
Understanding my benefits
- How to read your explanation of benefits
Get tips on how to understand your Blue Cross Blue Shield of Michigan EOB. - What do I need to know about autism coverage?
If you’re a Blue Cross Blue Shield of Michigan or Blue Care Network member, find out more about what types of autism services we cover. - What do I need to know about preventive care?
Understand what preventive services are and how they can help you stay healthy.
Managing my account
- How can I pay my health plan bill?
If you pay the bills for an individual health care plan through us, this information will help you understand more about the payment process. - How can I choose or change my primary care physician online?
It's easy to manage your health care information online. Find out how to make changes or choose your PCP here.
Claims
- What should I do if I need help with my claims?
Learn how to report a problem with a claim and the appeals and grievance process.