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Using Your Insurance
Whether you have recently purchased a new health plan or you're a long-time member, we've assembled all the information you need to know to understand your benefits.
Learn more about using your insurance
How do I find a doctor?
Locate a doctor or hospital near you with our helpful tool.
How do I get started with my HMO plan?
Did you just sign up for one of our HMO plans? Just follow these few simple steps to get the most out of your coverage.
How do referrals work in my HMO plan?
Learn how to get referrals from your primary care physician and what you need them for.
How do I use my HMO benefits?
Do you have an HMO health insurance plan? Learn about your benefits and how to get care.
What do I need to know about primary care physicians and specialists?
Explore your options for getting care from primary care physicians and specialists.
How do online doctor visits work?
If your Blue Cross plan includes online health care, this information will help you learn how to use it.
What do I need to know about preventive services?
Discover how avoiding or detecting problems early can help improve your health outcomes.
What happens if my doctor leaves your network?
Learn if you can keep seeing your preferred doctor at no additional cost if you qualify for a special exception.
Should I go to the emergency room or to urgent care?
Learn the difference between emergency rooms and urgent care centers so you can get the right kind of treatment when you're injured or seriously ill.
Does my health plan cover vaccines?
Learn about your benefits for COVID vaccines, flu shots and other vaccinations.
How do I get care while I'm traveling?
Find out how to take your health care benefits with you no matter where you travel.
How do I get mental health or substance use disorder services?
Here’s how to get those services, and find out what services are included in your benefits.
What is durable medical equipment and how do I get it?
Find out what DME is and how to find out if your plan covers it.
Does my health plan cover breast pumps?
Learn how to check your benefits to see if breast pumps are covered by your health plan.
How do I get help quitting tobacco?
Find out how Blue Cross Blue Shield of Michigan can help you quit smoking.
What kinds of services qualify for a primary care office visit copay?
Learn which kind of doctor visits qualify as primary care office visits.
What's a health assessment and how do I take it?
Understand how you can improve or maintain your health in two easy steps.
How can I learn about autism coverage?
Find out if your health plan includes autism coverage.
What Is the Blue Distinction® program?
The Blue Distinction program recognizes the highest quality health care providers and hospitals.
Where can I find Help with Health Care brochures?
Here are our Help with Health Care brochures, which list resources for the uninsured in Michigan.