Comprehensive Major Medical (CMM) is a traditional fee-for-service plan administered by Blue Cross Blue Shield of Michigan (BCBSM). The CMM plan offers the greatest flexibility and one of the lowest premiums, but you will pay more out-of-pocket at the time of service due to the annual deductible and coinsurance.
You are free to use any provider you choose, including national and international providers, though you will pay less out-of-pocket if you use a BCBSM participating provider.
No out-of-pocket cost to you for preventive care
You pay 20% after meeting the deductible for:
Office visit for injury or illness
Specialist visit
Urgent care
Emergency care
Inpatient services
Outpatient surgery
Mental health, behavioral health and substance abuse services
$3,000 individual/$6,000 family out-of-pocket maximum (medical only)
For complete information about benefits and coverage, refer to the plan documents below.
You are not required to select a Primary Care Provider (PCP); however, a PCP acts as a "medical home," providing preventive care and screenings, managing chronic conditions, and coordinating care across different specialists.
Offers the flexibility to see any provider or hospital throughout the U.S. without a primary care referral, though you will save by using BCBSM participating providers.
Benefits paid to non-participating providers are limited to a BCBSM fee schedule, and non-participating providers may charge more than the fee schedule allows. You pay 100% of any charges in excess of the fee schedule.
For additional savings using pre-tax dollars, consider enrolling in a Health Care Flexible Savings Account (FSA).
Access to the majority of hospitals and doctors in the U.S., as well as worldwide access to care through BCBS GlobalCore
Where to get your diabetic testing supplies
Coverage overview for gender-affirming services
Coverage overview for infertility benefits
Coverage overview for hearing aids and services
Vaccine coverage in provider offices and pharmacies
Search the Blue Cross Blue Shield of Michigan web page to locate a participating CMM provider or determine if your doctor accepts this plan.
855-669-8040
Blue Cross Blue Shield of Michigan
600 E. Lafayette Blvd.
Detroit, MI 48226
Group number: 007005187