Consumer-Directed Health Plan

BCBSM Consumer-Directed Health Plan with Health Savings Account

The university offers a Consumer-Directed Health Plan (CDHP) with a Health Savings Account (HSA). The CDHP is managed by Blue Cross Blue Shield of Michigan (BCBSM). The CDHP is the only U-M health plan that meets the Internal Revenue Service (IRS) requirements to pair with an HSA. The CDHP annual deductible is set at the minimum threshold to qualify for an HSA, and is updated based on IRS requirements. 

The CDHP covers the same medical services as other plans, including no out of pocket costs for preventive care and screenings. Like the Comprehensive Major Medical plan, you pay co-insurance after the deductible is met and have access to a national network of PPO providers.

If you are generally healthy and don't need to visit your health care provider often, choosing the CDHP can save you money. 

While it has the lowest monthly premium cost, you may incur higher out-of-pocket costs depending on the amount of care you need. 

Search here to locate a participating CDHP provider or find out if your doctor accepts this plan.

IMPORTANT: Financial hardship created from the costs for the deductible and out-of-pocket maximum is not a qualifying event to change plans.

Consider the Consumer-Directed Health Plan if you:

  • Want lower monthly deductions from your paycheck in exchange for higher out-of-pocket costs at the time of care
  • Can afford to cover the deductible and out of pocket maximum if an unexpected medical expense arises
  • Want flexibility in how you spend and save for your health care
  • Are generally healthy and do not have significant ongoing medical needs or costs
  • Want pre-tax savings to pay for eligible medical expenses with an HSA
  • Want a healthcare emergency safety net

Please note: J-1 and J-2 visa holders are not eligible to enroll in the CDHP. 

Eligibility Requirements

Due to the unique tax advantages of health savings accounts (HSAs), which are governed by the Internal Revenue Service (IRS), certain circumstances prevent you from enrolling in the CDHP with HSA. You must meet the following eligibility requirements:

  • Are enrolled in the Consumer-Directed Health Plan (CDHP)
  • Must have a Social Security number 
  • Must have a home address on file, not a P.O. Box
  • Cannot be claimed as a dependent on someone else’s tax return
  • Are NOT covered under any other non-HDHP health coverage, including:
    • Medicare A and/or B
    • Coverage under a spouse’s or parent’s health insurance coverage
    • Access to a Health Care Flexible Spending Account (FSA), which covers pre-deductible medical expenses
    • Access to a Health Reimbursement Arrangement (HRA) which covers pre-deductible medical expenses
    • TRICARE  or CHAMPVA coverage
  • Have not received any medical benefits (excluding dental, vision or preventative) during the previous three months from:
    • The Indian Health Service (IHS)
    • The US Department of Veterans Affairs (VA) except for treatment for a service-connected disability
    • Cannot be claimed as a dependent on someone else’s tax return

If You Live in a Country with Government-funded Health Care...

Members living in Canada or other countries where government-funded health care is provided are advised to consult with a qualified tax advisor for information about tax implications associated with the HSA before selecting the CDHP with HSA. Please review the Health Plan Coverage Comparison Chart for alternative plan options:

Summary of Benefits 

  • 2024 deductible: $1,600 individual/$3,200 family (combined medical and Rx) 
    2025 deductible: $1,650 individual/$3,300 family (combined medical and Rx)
  • A family deductible applies when more than one person is covered on the plan. The ENTIRE family deductible must be satisfied, by one or any combination of the family members, BEFORE the plan begins to pay the claims at 90%.
  • 2024 out-of-pocket max:
    In-network: $5,500 individual/$9,450 family (combined medical and Rx)
    Out-of-network: $11,000 individual/$18,900 family
  • 2025 out-of-pocket max:
    In-network: $5,500 individual/$9,200 family (combined medical and Rx)
    Out-of-network: $11,000 individual/$18,400 family (combined medical and Rx)
  • Prescription coverage: standard copays apply after deductible 
  • Preventive care: covered at 100% pre and post deductible 
  • Office visit: 10% coinsurance after deductible 
  • Urgent care: 10% coinsurance after deductible 
  • Hospital: 10% coinsurance after deductible 

Plan Documents & Forms

Plan Contact Information

bcbsm.com

855-669-8040

Blue Cross Blue Shield of Michigan
600 Lafayette E.
Detroit, MI 48226

Group Number: 007005187