Blue Care Network HMO
This Blue Care Network plan for State of Michigan employees offers a low monthly payment and access to our HMO network.
Plan highlights
- Choosing a primary care provider to coordinate your care means less paperwork and lower out-of-pocket costs
- You need a referral from your primary care provider to see a specialist, except in an emergency
- Out-of-network services usually are not covered
In-network Individual Deductible
$125
In-network Family Deductible
$250
How HMO plans work
HMO stands for health maintenance organization. It's a group of health care professionals who provide services at discounted rates to plan members.
HMO plans offer:
- A primary care provider to manage your health care
- Only in-network coverage for services, except for emergencies
2025 plan details
See what's covered and how much you'll pay.
In-network deductible
$125 per individual, $250 per family
In-network out-of-pocket maximum
$2,000 per individual, $4,000 per family
PCP office visit copay
$20
Individual deductible
In network
$125
Out of network
Not covered
Family deductible
In network
$250
Out of network
Not covered
Individual out-of-pocket maximum
In network
$2,000
Out of network
Not covered
Family out-of-pocket maximum
In network
$4,000
Out of network
Not covered
Coinsurance
In network
None
Out of network
Not covered
Urgent care copay
In network
$20
Out of network
Not covered
Emergency room copay
In network
$200 copay (waived if admitted as inpatient)
Out of network
$200 copay (waived if admitted as inpatient)
PCP office visit copay
In network
$20
Out of network
Not covered
Online visit copay
In network
$10 (Blue Cross online tool - medical)
Out of network
Not covered
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|---|---|---|---|
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$125 | Not covered | |
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$250 | Not covered | |
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$2,000 | Not covered | |
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$4,000 | Not covered | |
|
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None | Not covered | |
|
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$20 | Not covered | |
|
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$200 copay (waived if admitted as inpatient) | $200 copay (waived if admitted as inpatient) | |
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$20 | Not covered | |
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$10 (Blue Cross online tool - medical) | Not covered |
Plan documents
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Blue Care Network - Plan FAQ (PDF)Download
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Blue Care Network - Benefits FAQ (PDF)Download
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How to register (PDF)Download
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A guide to your online tools (PDF)Download
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Understanding how plans work (PDF)Download
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Online health care: a member overview (PDF)Download
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Online health care: FAQs (PDF)Download