Summary of Benefits and Coverage (SBC)
A summary of benefits and coverage from Blue Cross Blue Shield of Michigan or Blue Care Network explains things like what your health plan covers, what it doesn't cover, and what your share of costs will be.
These documents also show your estimated out-of-pocket costs for two sample medical events: having a baby and managing diabetes.
The examples are meant to help you understand what you might pay, and compare that to other plans. Keep in mind they aren't based on actual prices.
If you're not familiar with the health insurance terms used on a summary of benefits and coverage, here's a Glossary of Health Coverage and Medical Terms.
Questions? Please call 1-888-288-2738 and we'll help.
Coverage for these health plans begins Jan. 1, 2025. Open enrollment has not begun for 2025, but you can get or change health coverage for the remainder of 2024 if you've had one of these qualifying life events.
You can purchase these health plans if you and everyone who will be covered are under age 30. This is only a summary of coverage. For more information, log in to your account at bcbsm.com. You’ll find detailed plan documents under the My Coverage section.
This is only a summary of coverage. For more information, log in to your account at bcbsm.com. You’ll find detailed plan documents under the My Coverage section.
Your eligibility for a silver plan depends upon your income. Everyone can buy our Silver 70 plans. The 70 means overall we cover about 70 percent of your health care costs.
You're eligible for the other health plans if your income falls within a certain range compared to the federal poverty level. Like the Silver 70 plans, the number tells you how much of your health care costs the health plan covers. So a Silver 87 covers about 87 percent.
This is only a summary of coverage. For more information, log in to your account at bcbsm.com. You’ll find detailed health plan documents under the My Coverage section.
2025 Blue Cross® Local HMO Silver Saver 70 (PDF)
2025 Blue Cross® Local HMO Silver Extra 70 (PDF)
2025 Blue Cross® Local HMO Silver Off Market 70 (PDF)
2025 Blue Cross® Select HMO Silver Saver 70 (PDF)
2025 Blue Cross® Select HMO Silver 70 (PDF)
2025 Blue Cross® Select HMO Silver Extra 70 (PDF)
2025 Blue Cross® Select HMO Silver Off Market 70 (PDF)
2025 Blue Cross® Preferred HMO Silver Saver 70 (PDF)
2025 Blue Cross® Preferred HMO Silver 70 (PDF)
2025 Blue Cross® Preferred HMO Silver Extra 70 (PDF)
2025 Blue Cross® Preferred HMO Silver Off Market 70 (PDF)
2025 Blue Cross® Metro Detroit HMO Silver Extra 70 (PDF)
2025 Blue Cross® Metro Detroit HMO Silver Off Market 70 (PDF)
2025 Blue Cross® Premier PPO Silver Saver HSA 70 (PDF)
2025 Blue Cross® Premier PPO Silver 70 (PDF)
Income 200-250 percent above the federal poverty level:
2025 Blue Cross® Local HMO Silver Saver 73 (PDF)
2025 Blue Cross® Local HMO Silver Extra 73 (PDF)
2025 Blue Cross® Select HMO Silver Saver 73 (PDF)
2025 Blue Cross® Select HMO Silver 73 (PDF)
2025 Blue Cross® Select HMO Silver Extra 73 (PDF)
2025 Blue Cross® Preferred HMO Silver Saver 73 (PDF)
2025 Blue Cross® Preferred HMO Silver 73 (PDF)
2025 Blue Cross® Preferred HMO Silver Extra 73 (PDF)
2025 Blue Cross® Metro Detroit HMO Silver Extra 73 (PDF)
2025 Blue Cross® Premier PPO Silver Saver HSA 73 (PDF)
Income 150-200 percent above the federal poverty level:
2025 Blue Cross® Local HMO Silver Saver 87 (PDF)
2025 Blue Cross® Local HMO Silver Extra 87 (PDF)
2025 Blue Cross® Select HMO Silver Saver 87 (PDF)
2025 Blue Cross® Select HMO Silver 87 (PDF)
2025 Blue Cross® Select HMO Silver Extra 87 (PDF)
2025 Blue Cross® Preferred HMO Silver Saver 87 (PDF)
2025 Blue Cross® Preferred HMO Silver 87 (PDF)
2025 Blue Cross® Preferred HMO Silver Extra 87 (PDF)
2025 Blue Cross® Metro Detroit HMO Silver Extra 87 (PDF)
2025 Blue Cross® Premier PPO Silver Saver 87 (PDF)
Income 138-150 percent above the federal poverty level:
2025 Blue Cross® Local HMO Silver Saver 94 (PDF)
2025 Blue Cross® Local HMO Silver Extra 94 (PDF)
2025 Blue Cross® Select HMO Silver Saver 94 (PDF)
2025 Blue Cross® Select HMO Silver 94 (PDF)
2025 Blue Cross® Select HMO Silver Extra 94 (PDF)
2025 Blue Cross® Preferred HMO Silver Saver 94 (PDF)
2025 Blue Cross® Preferred HMO Silver 94 (PDF)
2025 Blue Cross® Preferred HMO Silver Extra 94 (PDF)
2025 Blue Cross® Metro Detroit HMO Silver Extra 94 (PDF)
2025 Blue Cross® Premier PPO Silver Saver 94 (PDF)
This is only a summary of coverage. For more information, log in to your account at bcbsm.com. You’ll find detailed health plan documents under the My Coverage section.
Are you eligible for Native American cost sharing benefits under health care reform from the Affordable Care Act, or ACA? Choose your summary of benefits coverage based on whether your income is more or less than 300 percent of the federal poverty level.
This is only a summary of coverage. For more information, log in to your account at bcbsm.com. You’ll find detailed plan documents under the My Coverage section.
2025 Blue Cross® Select HMO Bronze Saver Native American Less Than 300 (PDF)
2025 Blue Cross® Select HMO Bronze Saver Native American More Than 300 (PDF)
2025 Blue Cross® Select HMO Bronze Extra Native American Less Than 300 (PDF)
2025 Blue Cross® Select HMO Bronze Extra Native American More Than 300 (PDF)
2025 Blue Cross® Select HMO Bronze Secure Native American Less Than 300 (PDF)
2025 Blue Cross® Select HMO Bronze Secure Native American More Than 300 (PDF)
2025 Blue Cross® Preferred HMO Bronze Saver Native American Less Than 300 (PDF)
2025 Blue Cross® Preferred HMO Bronze Saver Native American More Than 300 (PDF)
2025 Blue Cross® Preferred HMO Bronze Extra Native American Less Than 300 (PDF)
2025 Blue Cross® Preferred HMO Bronze Extra Native American More Than 300 (PDF)
2025 Blue Cross® Preferred HMO Bronze Secure Native American Less Than 300 (PDF)
2025 Blue Cross® Preferred HMO Bronze Secure Native American More Than 300 (PDF)
2025 Blue Cross® Local HMO Bronze Extra Native American Less Than 300 (PDF)
2025 Blue Cross® Local HMO Bronze Extra Native American More Than 300 (PDF)
2025 Blue Cross® Local HMO Bronze Secure Native American Less Than 300 (PDF)
2025 Blue Cross® Local HMO Bronze Secure Native American More Than 300 (PDF)
2025 Blue Cross® Premier PPO Bronze Native American Less Than 300 (PDF)
2025 Blue Cross® Premier PPO Bronze Native American More Than 300 (PDF)
2025 Blue Cross® Premier PPO Bronze Extra Native American Less Than 300 (PDF)
2025 Blue Cross® Premier PPO Bronze Extra Native American More Than 300 (PDF)
2025 Blue Cross® Premier PPO Bronze Secure Native American Less Than 300 (PDF)
2025 Blue Cross® Premier PPO Bronze Secure Native American More Than 300 (PDF)
2025 Blue Cross® Select HMO Silver Saver Native American Less Than 300 (PDF)
2025 Blue Cross® Select HMO Silver Saver Native American More Than 300 (PDF)
2025 Blue Cross® Select HMO Silver Native American Less Than 300 (PDF)
2025 Blue Cross® Select HMO Silver Native American More Than 300 (PDF)
2025 Blue Cross® Select HMO Silver Extra Native American Less Than 300 (PDF)
2025 Blue Cross® Select HMO Silver Extra Native American More Than 300 (PDF)
2025 Blue Cross® Preferred HMO Silver Saver Native American Less Than 300 (PDF)
2025 Blue Cross® Preferred HMO Silver Saver Native American More Than 300 (PDF)
2025 Blue Cross® Preferred HMO Silver Native American Less Than 300 (PDF)
2025 Blue Cross® Preferred HMO Silver Native American More Than 300 (PDF)
2025 Blue Cross® Preferred HMO Silver Extra Native American Less Than 300 (PDF)
2025 Blue Cross® Preferred HMO Silver Extra Native American More Than 300 (PDF)
2025 Blue Cross® Premier PPO Silver Saver Native American Less Than 300 (PDF)
2025 Blue Cross® Premier PPO Silver Saver Native American More Than 300 (PDF)
2025 Blue Cross® Premier PPO Silver Native American Less Than 300 (PDF)
2025 Blue Cross® Premier PPO Silver Native American More Than 300 (PDF)
2025 Blue Cross® Premier PPO Silver Extra Native American Less Than 300 (PDF)
2025 Blue Cross® Premier PPO Silver Extra Native American More Than 300 (PDF)
2025 Blue Cross® Local PPO Silver Saver Native American Less Than 300 (PDF)
2025 Blue Cross® Local PPO Silver Saver Native American More Than 300 (PDF)
2025 Blue Cross® Local PPO Silver Extra Native American Less Than 300 (PDF)
2025 Blue Cross® Local PPO Silver Extra Native American More Than 300 (PDF)
Coverage for these health plans began Jan. 1, 2024. Open enrollment is closed but you can get or change health coverage for the remainder of 2024 if you've had one of these qualifying life events.
You can purchase these health plans if you and everyone who will be covered are under age 30. This is only a summary of coverage. For more information, log in to your account at bcbsm.com. You’ll find detailed plan documents under the My Coverage section.
This is only a summary of coverage. For more information, log in to your account at bcbsm.com. You’ll find detailed plan documents under the My Coverage section.
Your eligibility for a silver plan depends upon your income. Everyone can buy our Silver 70 plans. The 70 means overall we cover about 70 percent of your health care costs.
You're eligible for the other health plans if your income falls within a certain range compared to the federal poverty level. Like the Silver 70 plans, the number tells you how much of your health care costs the health plan covers. So a Silver 87 covers about 87 percent.
This is only a summary of coverage. For more information, log in to your account at bcbsm.com. You’ll find detailed health plan documents under the My Coverage section.
2024 Blue Cross® Local HMO Silver Saver 70 (PDF)
2024 Blue Cross® Local HMO Silver Extra 70 (PDF)
2024 Blue Cross® Local HMO Silver Off Market 70 (PDF)
2024 Blue Cross® Select HMO Silver Saver 70 (PDF)
2024 Blue Cross® Select HMO Silver 70 (PDF)
2024 Blue Cross® Select HMO Silver Extra 70 (PDF)
2024 Blue Cross® Select HMO Silver Off Market 70 (PDF)
2024 Blue Cross® Preferred HMO Silver Saver 70 (PDF)
2024 Blue Cross® Preferred HMO Silver 70 (PDF)
2024 Blue Cross® Preferred HMO Silver Extra 70 (PDF)
2024 Blue Cross® Preferred HMO Silver Off Market 70 (PDF)
2024 Blue Cross® Preferred HMO Virtual Primary Care Silver 70 (PDF)
2024 Blue Cross® Metro Detroit HMO Silver Extra 70 (PDF)
2024 Blue Cross® Metro Detroit HMO Silver Off Market 70 (PDF)
2024 Blue Cross® Premier PPO Silver Saver HSA 70 (PDF)
2024 Blue Cross® Premier PPO Silver 70 (PDF)
Income 200-250 percent above the federal poverty level:
2024 Blue Cross® Local HMO Silver Saver 73 (PDF)
2024 Blue Cross® Local HMO Silver Extra 73 (PDF)
2024 Blue Cross® Select HMO Silver Saver 73 (PDF)
2024 Blue Cross® Select HMO Silver 73 (PDF)
2024 Blue Cross® Select HMO Silver Extra 73 (PDF)
2024 Blue Cross® Preferred HMO Silver Saver 73 (PDF)
2024 Blue Cross® Preferred HMO Silver 73 (PDF)
2024 Blue Cross® Preferred HMO Silver Extra 73 (PDF)
2024 Blue Cross® Preferred HMO Virtual Primary Care Silver 73 (PDF)
2024 Blue Cross® Metro Detroit HMO Silver Extra 73 (PDF)
2024 Blue Cross® Premier PPO Silver Saver HSA 73 (PDF)
Income 150-200 percent above the federal poverty level:
2024 Blue Cross® Local HMO Silver Saver 87 (PDF)
2024 Blue Cross® Local HMO Silver Extra 87 (PDF)
2024 Blue Cross® Select HMO Silver Saver 87 (PDF)
2024 Blue Cross® Select HMO Silver 87 (PDF)
2024 Blue Cross® Select HMO Silver Extra 87 (PDF)
2024 Blue Cross® Preferred HMO Silver Saver 87 (PDF)
2024 Blue Cross® Preferred HMO Silver 87 (PDF)
2024 Blue Cross® Preferred HMO Silver Extra 87 (PDF)
2024 Blue Cross® Preferred HMO Virtual Primary Care Silver 87 (PDF)
2024 Blue Cross® Metro Detroit HMO Silver Extra 87 (PDF)
2024 Blue Cross® Premier PPO Silver Saver 87 (PDF)
Income 138-150 percent above the federal poverty level:
2024 Blue Cross® Local HMO Silver Saver 94 (PDF)
2024 Blue Cross® Local HMO Silver Extra 94 (PDF)
2024 Blue Cross® Select HMO Silver Saver 94 (PDF)
2024 Blue Cross® Select HMO Silver 94 (PDF)
2024 Blue Cross® Select HMO Silver Extra 94 (PDF)
2024 Blue Cross® Preferred HMO Silver Saver 94 (PDF)
2024 Blue Cross® Preferred HMO Silver 94 (PDF)
2024 Blue Cross® Preferred HMO Silver Extra 94 (PDF)
2024 Blue Cross® Preferred HMO Virtual Primary Care Silver 94 (PDF)
2024 Blue Cross® Metro Detroit HMO Silver Extra 94 (PDF)
2024 Blue Cross® Premier PPO Silver Saver 94 (PDF)
This is only a summary of coverage. For more information, log in to your account at bcbsm.com. You’ll find detailed health plan documents under the My Coverage section.
Are you eligible for Native American cost sharing benefits under health care reform from the Affordable Care Act, or ACA? Choose your summary of benefits coverage based on whether your income is more or less than 300 percent of the federal poverty level.
This is only a summary of coverage. For more information, log in to your account at bcbsm.com. You’ll find detailed plan documents under the My Coverage section.
2024 Blue Cross® Select HMO Bronze Saver Native American Less Than 300 (PDF)
2024 Blue Cross® Select HMO Bronze Saver Native American More Than 300 (PDF)
2024 Blue Cross® Select HMO Bronze Native American Less Than 300 (PDF)
2024 Blue Cross® Select HMO Bronze Native American More Than 300 (PDF)
2024 Blue Cross® Select HMO Bronze Extra Native American Less Than 300 (PDF)
2024 Blue Cross® Select HMO Bronze Extra Native American More Than 300 (PDF)
2024 Blue Cross® Select HMO Bronze Secure Native American Less Than 300 (PDF)
2024 Blue Cross® Select HMO Bronze Secure Native American More Than 300 (PDF)
2024 Blue Cross® Preferred HMO Bronze Saver Native American Less Than 300 (PDF)
2024 Blue Cross® Preferred HMO Bronze Saver Native American More Than 300 (PDF)
2024 Blue Cross® Preferred HMO Bronze HMO Native American Less Than 300 (PDF)
2024 Blue Cross® Preferred HMO Bronze HMO Native American More Than 300 (PDF)
2024 Blue Cross® Preferred HMO Bronze Extra Native American Less Than 300 (PDF)
2024 Blue Cross® Preferred HMO Bronze Extra Native American More Than 300 (PDF)
2024 Blue Cross® Preferred HMO Bronze Secure Native American Less Than 300 (PDF)
2024 Blue Cross® Preferred HMO Bronze Secure Native American More Than 300 (PDF)
2024 Blue Cross Preferred HMO Bronze Virtual Primary Care Native American Less Than 300 (PDF)
2024 Blue Cross® Preferred HMO Bronze Virtual Primary Care Native American More Than 300 (PDF)
2024 Blue Cross® Metro Detroit HMO Bronze Native American Less Than 300 (PDF)
2024 Blue Cross® Metro Detroit HMO Bronze Native American More Than 300 (PDF)
2024 Blue Cross® Metro Detroit HMO Bronze Extra Native American Less Than 300 (PDF)
2024 Blue Cross® Metro Detroit HMO Bronze Extra Native American More Than 300 (PDF)
2024 Blue Cross® Local HMO Bronze Extra Native American Less Than 300 (PDF)
2024 Blue Cross® Local HMO Bronze Extra Native American More Than 300 (PDF)
2024 Blue Cross® Local HMO Bronze Secure Native American Less Than 300 (PDF)
2024 Blue Cross® Local HMO Bronze Secure Native American More Than 300 (PDF)
2024 Blue Cross® Premier PPO Bronze Native American Less Than 300 (PDF)
2024 Blue Cross® Premier PPO Bronze Native American More Than 300 (PDF)
2024 Blue Cross® Premier PPO Bronze Extra Native American Less Than 300 (PDF)
2024 Blue Cross® Premier PPO Bronze Extra Native American More Than 300 (PDF)
2024 Blue Cross® Premier PPO Bronze Secure Native American Less Than 300 (PDF)
2024 Blue Cross® Premier PPO Bronze Secure Native American More Than 300 (PDF)
2024 Blue Cross® Select HMO Silver Saver Native American Less Than 300 (PDF)
2024 Blue Cross® Select HMO Silver Saver Native American More Than 300 (PDF)
2024 Blue Cross® Select HMO Silver Native American Less Than 300 (PDF)
2024 Blue Cross® Select HMO Silver Native American More Than 300 (PDF)
2024 Blue Cross® Select HMO Silver Extra Native American Less Than 300 (PDF)
2024 Blue Cross® Select HMO Silver Extra Native American More Than 300 (PDF)
2024 Blue Cross® Preferred HMO Silver Saver Native American Less Than 300 (PDF)
2024 Blue Cross® Preferred HMO Silver Saver Native American More Than 300 (PDF)
2024 Blue Cross® Preferred HMO Silver Native American Less Than 300 (PDF)
2024 Blue Cross® Preferred HMO Silver Native American More Than 300 (PDF)
2024 Blue Cross® Preferred HMO Silver Extra Native American Less Than 300 (PDF)
2024 Blue Cross® Preferred HMO Silver Extra Native American More Than 300 (PDF)
2024 Blue Cross® Preferred HMO Silver Virtual Primary Care Native American Less Than 300 (PDF)
2024 Blue Cross® Preferred HMO Silver Virtual Primary Care Native American More Than 300 (PDF)
2024 Blue Cross® Premier PPO Silver Saver Native American Less Than 300 (PDF)
2024 Blue Cross® Premier PPO Silver Saver Native American More Than 300 (PDF)
2024 Blue Cross® Premier PPO Silver Native American Less Than 300 (PDF)
2024 Blue Cross® Premier PPO Silver Native American More Than 300 (PDF)
2024 Blue Cross® Premier PPO Silver Extra Native American Less Than 300 (PDF)
2024 Blue Cross® Premier PPO Silver Extra Native American More Than 300 (PDF)
2024 Blue Cross® Local PPO Silver Saver Native American Less Than 300 (PDF)
2024 Blue Cross® Local PPO Silver Saver Native American More Than 300 (PDF)
2024 Blue Cross® Local PPO Silver Extra Native American Less Than 300 (PDF)
2024 Blue Cross® Local PPO Silver Extra Native American More Than 300 (PDF)