Public School Retirees: Blue Preferred® PPO

If you don't qualify for Medicare, this Blue Cross Blue Shield of Michigan plan allows you to get health coverage from any doctor or specialist in the state's largest PPO network without a referral. If you choose to go out of network, you'll still be covered, but you'll pay more.

Plan highlights
  • See any in-network doctor or specialist without referrals

PLAN ELIGIBILITY

Non-Medicare

PLAN TYPE

PPO

What this plan offers

  • Largest PPO network in Michigan
  • Members enrolled in the LivingWell program have a lower annual deductible
  • Preventive services that help you stay healthy
  • Manage your account 24 hours a day, seven days a week with the BCBSM app

2023 plan details

Find out what's covered and how much you'll pay.

Coinsurance

10%

Annual deductible

$1,000 (LivingWell members have a lower deductible.)

Annual coinsurance maximum

$900

$1,000

$1,000

10%

30%

$900

$900

10% plus deductible

30% plus deductible

10% plus deductible

30% plus deductible

10% plus deductible

30% plus deductible

10% plus deductible; $65 per visit after annual coinsurance maximum is met

30% plus deductible; $65 per visit after annual coinsurance maximum is met

10% plus deductible; $125 per visit after annual coinsurance maximum is met

10% plus deductible; $125 per visit after annual coinsurance maximum is met

$1,000 $1,000

10% 30%

$900 $900

10% plus deductible 30% plus deductible

10% plus deductible 30% plus deductible

10% plus deductible 30% plus deductible

10% plus deductible; $65 per visit after annual coinsurance maximum is met 30% plus deductible; $65 per visit after annual coinsurance maximum is met

10% plus deductible; $125 per visit after annual coinsurance maximum is met 10% plus deductible; $125 per visit after annual coinsurance maximum is met

Plan documents

Blue Cross Coordinated Care Navigator

The Blue Cross Coordinated Care NavigatorSM allows you to get help, answers and clarity with just about anything related to your health care.

Clinical navigators are registered nurses ready to help you. Whether you want advice about an upcoming surgery, are seeking information on a specific condition or need guidance in selecting a doctor, clinical navigators:

  • Make the health care process easier.
  • Guide and support you in making decisions.
  • Give you advice to get the best care available for your specific needs.
  • Can assist with scheduling health care appointments.

It's like having a nurse in the family to turn to with your medical concerns. They’ll take the right steps to make better whole body health care happen for you.

To contact a clinical navigator, call 1-800-422-9146 Monday through Friday from 8:30 a.m. to 5 p.m. Eastern Time.

Once you’ve connected with a clinical navigator, you can stay in touch with the Blue Cross Coordinated Care app. To get started with the app, visit our app site on a smart phone or tablet, or search BCBSM Coordinated Care in Google Play™ or the App Store®. Your access code is NAV.

What is LivingWell?

LivingWell is a program that helps you track your health, identify areas for improvement and work on an action plan with your primary care physician. Each year, you'll have a chance to particpate in the LivingWell program. You'll receive information about the LivingWell program from Blue Cross in the fall.

Step 1: Choose a primary care physician

Choosing a primary care provider within the PPO network can reduce your out-of-pocket costs. Locate network providers using the Find a Doctor tool on the Blue Cross Blue Shield of Michigan mobile app or with our online tool. To get the most out of the LivingWell program, select a Patient-Centered Medical Home doctor as your primary care provider.

Working with a primary care physician who is a Patient-Centered Medical Home doctor provides many advantages, including:

  • 24-hour access to your medical team
  • Coordination of care
  • Personalized strategies for managing your health

For more information, read our Patient-Centered Medical Homes FAQ (PDF).

Step 2: Complete the LivingWell questionnaire

LivingWell is a program that helps you track your health, identify areas for improvement and work on an action plan with your primary care physician.  Each year, you'll have a chance to participate in the LivingWell program. You'll receive information about the LivingWell program from Blue Cross in the fall.

Step 3: Get an annual routine physical

Visiting your primary care provider for an annual physical is the best way to catch potential health issues early.


Michigan immunizing pharmacies

Visit an immunizing pharmacy to get your flu vaccine or call Customer Service at 1-800-422-9146 Monday through Friday from 8:30 a.m. to 5 p.m. Eastern Time for help finding other no-cost flu shot locations.

Immunizing Pharmacies (PDF)


Need help understanding your EOB?

Every time you go to a doctor or hospital, a claim is filed. Each time a claim is filed, you’ll get an explanation of benefits statement from us.

The statement shows you what services were billed, what we paid and what you pay.

Get to know the different parts of your EOB in Understanding your EOB (PDF).


View monthly insurance rates

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