Health Plans

The University of Michigan offers a choice of health plans as part of a high-quality benefits package that helps you stay well and protect yourself and your family. Eligible employees and retirees can select from Comprehensive Major Medical, U-M Premier Care and Community Blue PPO. Another plan, GradCare, is offered for benefits-eligible graduate students only. Prescription drug coverage is included when you enroll in any U-M health plan.

Health Plan ID Cards

When you enroll in a U-M Health Plan, the health plan company will mail an ID card to your home address on file. You will also receive a separate ID card from MedImpact for prescription drug coverage. If you do not receive your ID card within 4-6 weeks after enrollment, call the health plan company directly to request a card. If you enrolled in a U-M health plan and need health care services before receiving your ID card, call the health plan company directly and ask about the reimbursement procedure. Until you receive your card, you may need to pay for services in full and then file for reimbursement from your health plan company. Be sure to save all receipts. Health plan phone numbers are included on the individual health plan pages on the UHR website, and on the Profiles page of the 2018 health plan coverage comparison chart.

Choosing a Plan

We want to help you find the health plan that offers the most advantages to you and your family, and then to use it wisely. Before choosing a plan, consider all the costs involved (including both premiums and out-of-pocket expenses like deductibles, coinsurance, and copays), access to doctors and hospitals, and your anticipated health and financial needs over the next year. Please note that there is no out-of-pocket cost to you for preventive care under any U-M health plan. View your health plan rates. For a detailed comparison, view the 2018 health plan coverage comparison chart. For coverage effective January 1, 2019, view the 2019 health plan coverage comparison chart.

To help you better understand your U-M health plan choices, view a two-minute video: A Quick Guide to Your U-M Health Plan Options. Note: This video is intended for faculty, staff and retirees who are eligible for the university's health plans. If you are a benefit-eligible graduate student, including Graduate Student Instructor (GSI), Graduate Student Staff Assistant (GSSA), Graduate Student Research Assistant (GSRA), benefit-eligible fellowship holder, or medical school student, please visit GradCare to learn about your university health plan option. If you are U-M student and not eligible for GradCare, you may be eligible to enroll in the domestic student health insurance plan.

Comparing Health Plans: Cost
Type of Expense Comprehensive Major Medical (BCBSM) U-M Premier Care (BCN) Community Blue PPO (BCBSM)
Monthly premium Lower Moderate Higher
Individual deductible $500 None* None
Family deductible $1,000 None* None
Office visit copay Deductible and coinsurance apply $25 $25
Specialist visit copay Deductible and coinsurance apply $30 $30
Coinsurance 20% after deductible $0 50% if out of network

*No deductible in U-M Premier Care Network 1.  $2,000 individual/$4,000 family deductible in Network 2.  

Comparing Health Plans: Access to Health Care Providers
Plan Feature Comprehensive Major Medical (BCBSM) U-M Premier Care (BCN) Community Blue PPO (BCBSM)
You must select a primary care physician No Yes No
You can visit any doctor Yes No Yes
You need a referral to visit a specialist No Yes No
You can use out-of-network providers Yes, but will pay more No Yes, but will pay more
You are required to live in a particular service area No Yes No
Coverage is available for dependents who live in a different location Yes Yes, with approval from BCN Yes

*Genesee, Lapeer, Livingston, Macomb, Monroe, Oakland, St. Clair, Washtenaw, and Wayne counties only

Health Plan Definitions

Premium
The premium is the amount that must be paid for your health plan. You pay a portion of the monthly health plan premium through automatic payroll deductions.
Deductible
Your deductible is the amount you owe for health care services before your health plan begins to pay. For example, if your deductible is $500, your plan won’t pay anything until you have paid $500 out-of-pocket for covered health care services subject to the deductible. The deductible may not apply to all services.
Copay
A copay is a fixed dollar amount (for example, $25) you pay for a covered health care service, such as an office visit, at the time you receive the service. The amount can vary by the type of service.
Coinsurance
Coinsurance refers to your share of the cost of a covered health care service, calculated as a percent of the allowed amount for the service (for example, 20%). You pay coinsurance in addition to any deductible you owe for your plan. The health plan pays the rest of the allowed amount.

View a glossary of commonly used health coverage and medical terms.

Pair Your Health Plan with a Flexible Spending Account

You may want to consider a pre-tax health care Flexible Spending Account (FSA) to complement your health plan, particularly if you choose an option with higher out-of-pocket expenses.

Health Coverage while Traveling Abroad

Faculty and staff traveling on international university-related business are automatically covered at no cost by travel abroad health insurance. Learn more about your coverage during international business travel.