UPDATED: SEPTEMBER 12, 2023 | 1 MIN READ
As an independent licensee of the esteemed Blue Cross and Blue Shield Association, BCBS of Michigan functions as a nonprofit corporation with a steadfast commitment to the state of Michigan.
This dedication sets it apart from other health insurance companies operating within the region and remains unwavering.
Founded nearly seven decades ago with the primary objective of ensuring access to quality healthcare, the organization strives towards this goal in numerous ways.
These include providing comprehensive health care coverage to all, regardless of their circumstances, and guaranteeing that coverage is never terminated due to health reasons.
Moreover, the company partners with the state to extend coverage to over 32,000 children via MIChild, extending financial assistance to 30 free clinics nationwide.
Notably, the organization contributes more funds than any other entity to enhance Michigan’s overall health and healthcare standards.
BCBS of Michigan pros and cons
Superb customer service reviews
Low complaints compared to other health insurance companies
Many discount programs
Only available in MI
BCBS of Michigan health insurance review
With a range of coverage options, BCBS insurance plans offer competitive rates that are on par with, or occasionally higher than, those of other insurance companies.
BCBS is a well-established and widely accessible health insurance provider with an expansive network of healthcare providers.
The company has garnered positive ratings from reputable sources such as the Better Business Bureau and the National Association of Insurance Commissioners (NAIC).
Despite being separate entities, BCBS companies are often characterized by similar names, which can sometimes confuse customers seeking specialized services.
As a result, some customers have reported needing help in identifying the appropriate department to cater to their unique needs.
Customers have expressed concerns regarding the claim payments and servicing provided by both BCBS of Illinois and BCBS of Michigan.
These concerns range from extended hold times and the need for follow-through to inaccurate information.
Despite these issues, the Better Business Bureau has considered the number of complaints, their prompt resolution, the company’s size, and the length of its operation to calculate its ratings.
As such, BCBS of Illinois has received an A- rating, while BCBS of Michigan has been awarded an A+ rating.
NAIC complaint totals for BCBS of Michigan in the individual health category are lower than average, considering the size of the companies.
Health insurance policies offered through BCBS of Michigan
BCBS of Michigan offers various health insurance policies to meet the diverse needs of individuals, families, and businesses.
Members have access to a vast network of healthcare providers and facilities across Michigan, ensuring they receive the care they need when needed.
BCBS of Michigan also offers wellness programs and resources to help members improve their health and manage chronic conditions.
With a commitment to transparency and customer service, BCBS of Michigan is the state’s trusted health insurance provider.
- Family and individual health insurance options
- Medicare Supplement
- Medicare Advantage
- Medicare Part D
- Dental insurance
- Vision insurance
- Group/employer health coverage
Upgrades and addons
Blue Cross Blue Shield of Michigan provides access upgrades and add-ons to its healthcare offerings. These enhancements are aimed at providing an improved experience to customers and helping them better navigate the complexities of the healthcare system.
The upgrades include a new telemedicine platform, expanded mental health services, and a revamped member portal offering personalized health recommendations and management tools.
The company has also added a wellness program that incentivizes healthy behavior and a mobile app that allows members to access their health information on the go.
These upgrades and add-ons demonstrate BCBS of Michigan’s commitment to delivering innovative and comprehensive healthcare solutions to its members.
- All-encompassing mobile app
- Health and wellbeing
- Behavioral and mental health
- Health assessment
- Tobacco coaching
- Blue Cross Virtual Well-Being
- 24-Hour nurse line
- Dental resource center
- Staying healthy
- Preventive services
- Opioid use disorder
BCBS of Michigan’s available discounts
Blue Cross Blue Shield of Michigan offers a variety of discounts to help make healthcare more affordable for our members. Some of our discounts include reduced rates for gym memberships, weight loss programs, and even discounts on LASIK surgery.
We also offer discounts on alternative therapies such as acupuncture, chiropractic care, and massage therapy. In addition, we provide discounts on hearing aids and home medical equipment.
Our members can take advantage of our wellness program, which offers discounts on healthy foods, fitness classes, and wellness coaching. We are committed to providing quality healthcare to our members and believe these discounts are an important part of that commitment.
- Blue 365
- Discounts on select apparel and footwear
- Hearing & vision
- Home & Family
- Personal care
What you need to apply for a BCBS of Michigan policy
To initiate an application for a BCBS of Michigan policy, you must have certain essential information and documentation readily accessible. By proactively collating the following details beforehand, you can expedite the application procedure and secure the requisite coverage expeditiously.
- Personal information
- Date of birth
- Contact information
- Current health
- Subsidy qualifications
- Employment information
- Income information
What types of health insurance plans does BCBS of Michigan offer?
BCBS of Michigan offers a variety of health insurance plans, including individual and family plans, group plans for employers, Medicare Advantage plans, and Medicaid plans.
They also offer dental and vision insurance plans.
Is BCBS of Michigan the same as Blue Care Network?
Blue Care Network of Michigan is a non-profit health maintenance organization with ownership tied to Blue Cross Blue Shield of Michigan.
Established in 1998, the organization has significantly provided quality healthcare to over 840,000 members.
Is Blue Cross Blue Shield of Michigan good insurance?
People have recognized Blue Cross Blue Shield of Michigan as an outstanding health insurance provider that excels in multiple areas.
Although not distinguished as the frontrunner in any specific category relative to its top competitors, BCBS of Michigan has demonstrated consistent and noteworthy performance across the board.
What is the preferred pharmacy for Blue Cross of Michigan?
Members of the Exclusive Specialty Pharmacy Program under Blue Cross Blue Shield of Michigan and Blue Care Network are encouraged to utilize AllianceRx Walgreen Pharmacy mail-order pharmacy or Walgreens retail stores to obtain specialty drug prescriptions.
This recommendation is made with the utmost professionalism to ensure members receive the best possible care and treatment for their health needs.
Compare BCBS of Michigan health insurance policies
BCBS of Michigan presents a comprehensive array of options that cater to diverse needs and financial constraints in selecting an appropriate health insurance policy.
To make an informed decision about BCBS of Michigan health insurance policies, it is imperative to evaluate crucial factors such as deductibles, copays, coverage for prescriptions and specialty care, and provider networks.
BCBS of Michigan has designed its health insurance policies based on four distinct tiers, namely Bronze, Silver, Gold, and Platinum, each offering varying levels of coverage and premium costs.
Compile our online rate form for a personalized assessment to compare health insurance plans from BCBS of Michigan.