Health Plans Built Around Your Business
Your business faces complex challenges every day. Blue Cross Blue Shield of Michigan can help you solve them. Get to know our innovative programs and how they can help you address total cost of care, as well as improve the whole health of your employees.
How we deliver Smarter, Better, Personalized Health Care
Comprehensive Provider and Network Choices
Network options, benefits and cost management innovations that save
Whole Person Health
Solutions to better manage care and address your employees' specific well-being needs
Easy, Useful, Personal Coverage
Resources and digital tools to keep your employees engaged and informed
Our partnership and commitment
Blue Cross is here for you. We provide an entire support system to help you make the best decisions and drive the best outcomes for your organization.
- Account management
- Analytics and reporting
- Claims payment and integrity
Fully insured or self-funded? The choice is up to you.
Fully insured plans
With a fully insured plan, you pay monthly premiums. Blue Cross Blue Shield of Michigan will manage everything else.
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Annual costs are predictable, with a consistent monthly premium.
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We assume the risk for your group’s health care costs.
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You must select from Blue Cross plan designs.
Self-funded solutions
We also offer self-funded plans, in which your business pays claims costs. You would not pay monthly premiums to Blue Cross, only an administrative and stop-loss fee.
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Claims costs are based on your group’s actual claims utilization.
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Your company assumes the risk.
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You get more flexibility with your plan design.
Coordinated Care Plans
Blue Cross Coordinated Care helps your employees and their covered family members stay on track with their doctor’s care plan. With easy-to-use tools and personal support, members can make achievable lifestyle changes to improve their health.
It offers the richest benefits currently available in the market at a competitive price. Four options are available, allowing you to select the level of care that best meets your employees' needs.
Explore health care insights
Read about the latest news and innovations from the experts themselves.
See all insights
Blue Cross Master Class
Join a live presentation with our health care experts, examining topics you've told us mean the most to your business.
Reserve your seat
Pharmacy benefit manager changes
We're moving to a pharmacy benefits management system to keep costs more stable for our group customers and members.
Read more about the changes
Resources to share with your employees
Browse brochures, videos and posters designed to help your employees get the most out of their Blue Cross coverage.
View toolkits
Already one of our valued group customers?
Log in to your company’s online account to quickly and easily make changes to your employees’ coverage.
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