State High Deductible Health Plan with HSA
The State High Deductible Health Plan with HSA is a self-insured benefit plan administered by Blue Cross Blue Shield of Michigan under the direction of the Michigan Civil Service Commission.
Plan highlights
- You can see any specialist without a referral
- Combines medical coverage with a health savings account, or HSA, so you can pay out-of-pocket costs with pre-tax savings
- The State of Michigan contributes to your HSA account
In-network Individual Deductible
$1,650
In-network Family Deductible
$3,300
WHAT THIS PLAN OFFERS
- Employees get access to our network of doctors and hospitals across all 83 Michigan counties
- Emergency room care and prescription drug coverage, administered by OptumRx, is included
- Comprehensive benefits for behavioral health services including substance use disorders
- In-network preventive services are 100% covered
- Your HSA qualified medical expenses include deductibles, coinsurance and drug copays
- You can invest or earn interest on the money in your HSA so it grows over time
- Telehealth services
- Value-added services such as Blue365SM, Blue Cross Coordinated Care, Blue Cross Health & Well-BeingSM and the Engagement Center
- Manage your account 24 hours a day, seven days a week with the BCBSM app
2025 plan details
See what's covered and how much you'll pay.
In-network deductible
$1,650 per individual, $3,300 per family
In-network out-of-pocket maximum
$4,000 per individual, $8,000 per family
PCP office visit
80% after deductible
Individual deductible
In network
$1,650
Out of network
$3,300
Family deductible
In network
$3,300
Out of network
$6,600
Individual out-of-pocket maximum
In network
$4,000
Out of network
$8,000
Family out-of-pocket maximum
In network
$8,000
Out of network
$16,000
Coinsurance
In network
20% for most services
Out of network
40% for most services
Office visits, urgent care and referral physician visits
In network
80% after deductible
Out of network
60% after deductible
Emergency room
In network
80% after deductible
Out of network
80% after deductible
Hospital care
In network
80% after deductible
Out of network
60% after deductible
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$1,650 | $3,300 | |
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$3,300 | $6,600 | |
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$4,000 | $8,000 | |
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$8,000 | $16,000 | |
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20% for most services | 40% for most services | |
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80% after deductible | 60% after deductible | |
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80% after deductible | 80% after deductible | |
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80% after deductible | 60% after deductible |