Blue Cross and Blue Shield (BCBS) of Michigan is the biggest healthcare insurance provider in Michigan. Here we discuss this insurance giant and how members can use their BCBS login information to access their online member accounts.
What Is BCBS of Michigan?
BCBS of Michigan is a “nonprofit mutual” insurance provider that has served the state of Michigan for over 80 years. A nonprofit mutual insurance company is unique in that all the money the BCBS of Michigan earns goes directly back into the creation of quality healthcare services for those who are insured by the company. This is a stark contrast to the many publicly traded insurance companies that divide profits amongst shareholders and stockholders.
BCBS Michigan not only provides insurance coverage, but it also contributes to community causes. They donate funds to combat childhood obesity and the opioid crisis. The company also supports free clinics to provide care to those who cannot purchase health insurance because of financial hardship.
BCBS Policy Language
BCBS offers different types of insurance and all the plans use terminology that might be unfamiliar to you. Here we’ll discuss some important insurance jargon you’ll experience when selecting the best BCBS health insurance plan for yourself, your family, or your employees.
A health maintenance organization (HMO) insurance plan is one that provides a network of doctors for you to choose from. BCBS HMO plans provide a network of over 33,000 doctors in over 150 hospitals in the state of Michigan. Doctors, hospitals, and BCBS have arranged financial incentives for patients who use HMOs.
With an HMO plan, you must visit an in-network doctor for the insurance to pay for your services and/or for the services to apply to your deductible. If you visit a doctor outside of the BCBS HMO network, you pay for all expenses out-of-pocket.
BCBS HMO plans require you to choose your primary care physician (PCP). Your PCP acts as your medical contact for all medical help you receive. If you need to seek care from a medical specialist, the BCBS HMO plan asks you to first obtain a referral from your PCP.
A preferred provider organization (PPO) insurance plan is one that doesn’t require you to choose a specific PCP. PPO insurance plans usually provide access to a network of doctors, but the regulations aren’t as strict about seeing a doctor outside of this network. You can also schedule appointments with specialists without a PCP referral.
Your insurance will pay for visits to out-of-network doctors on a PPO plan, but they might only pay a portion. Check the details of all individual BCBS PPO plans to learn about how much that specific policy will pay for out-of-network care.
A health savings account (HSA) is associated with some high-deductible health insurance plans offered by BCBS Michigan. An HSA is like a savings account to put money into in case you need medical assistance. Instead of paying a high monthly premium, you put money into this account to use if the situation calls for it. All the money you put into your HSA is yours to spend on healthcare. It doesn’t expire.
If you already have a BCBS account, you can access further information about the plans offered by using your BCBS login details to access your member account.
BCBS services include a variety of health, dental, vision, Medicare, and Medicaid insurance plans for employees, families, and individuals. For individuals and families, they categorize plans as Catastrophic Plans, Bronze Plans, Silver Plans, and Gold Plans. Below we’ll provide a summary of each available BCBS plan.
The Catastrophic Plan is a low-cost healthcare plan with very high deductibles available to people under the age of 30. These plans require the insurance holder to pay for their health care bills in full until the deductible is met. BCBS offers two plans in the Catastrophic category. One is an HMO plan, and the other is a PPO plan.
The BCBS Bronze plans have the most affordable monthly premiums but cover little until you meet your deductible. In most cases, you must pay full price for all health insurance services until the deductible is met. This option is for those who are over 30 years old and don’t use health insurance very often.
There any many available plans within the Bronze category. The plans are further separated by which Michigan city or region you live in. You can choose from an HMO plan, PPO plan, or an HSA plan.
Plans offered within the BCBS Michigan Silver tier cost more upfront, but bring deductibles down. As with the Bronze Plan, they base the selection of Silver Plan options on where you live in Michigan and on deductible rates. Plans in the Silver category are HMOs and PPOs.
BCBS Michigan Gold Plans are the top tier of insurance offered by the company for individuals. Monthly payments on this plan are the highest of all four plans, but they also have the lowest deductible amounts. There is an HMO Gold Plan and a PPO Gold Plan offered.
Medicare plans offered by BCBS include those that have “all-in-one coverage,” higher premiums and lower deductibles, or those that are Part D prescription drug plans.
Medicaid plans offered by BCBS of Michigan are the Blue Cross Complete plan and the Healthy Kids Dental plan.
The Blue Cross Complete plan is accessible to low-income individuals or families in 32 counties within the state of Michigan. Benefits of this plan may include the following:
The Healthy Kids Dental plan is available to some of Michigan’s low-income children under the age of 21. This plan may cover cleanings, exams, fillings, and x-rays.
BCBS Employer Plans
BCBS Employer Plans are based on the size of the company. The company offers insurance plans for both small businesses and large businesses. These plans can include insurance for the following:
Customer Service and Contacting BCBS of Michigan
For other service inquiries, you can reach BCBS Michigan through their website, by telephone, or through other means at the locations below.
Two Michigan Corporate Headquarters Locations
BCBS has two corporate headquarters locations in the state of Michigan. The Blue Cross Blue Shield of Michigan headquarters is located in Detroit. The Blue Care Network is in Southfield.
BCBS Walk-In Locations
In addition to the BCBS customer care options available by phone and online, there is a variety of locations for in-person service. The following Michigan cities have BCBS walk-in locations:
BCBS Login and Registration
If you are already insured, the BCBS login for your member account provides many valuable tools for managing your insurance account. Once you have your BCBS login information established you can do the following from your account:
Here we’ll walk you through the BCBS login process.
BCBS Login Registration
If you have insurance but haven’t yet received your online BCBS login credentials, you can quickly register online. To register for the BCBS login information, you must have your BCBS card available and be at least 18 years old.
First, go to the BCBS homepage. Near the top of the page, locate the light blue “Login” tab and click it. Clicking this tab will open the BCBS login form pop-up. To register, locate and click the “Register Now” link in darker blue at the bottom of the pop-up.
Clicking this link takes you to the BCBS Registration page. Carefully fill out all the provided fields. Click on the “Attestation” confirmation box. When you are finished, press the “Continue” button.
The next process is a few steps to verify your identity. This will take only a few minutes. Once completed, you will be taken to your BCBS account.
BCBS Returning User Login
With a set of already established BCBS login details, the process is even easier. Visit the BCBS website.
From the homepage, find the light blue “Login” tab and click it. A pop-up will appear with two fields. In the first field enter your BCBS member username. In the second field, enter the password associated with your account. Once you have entered the information correctly, click on the lime green “Login” button. You are now logged in to your member account.
If you are having trouble accessing your member account because you have forgotten one or both parts of your BCBS login credentials press one of the links below the lime green “Login” button.
There are three links to choose from. You may select the “username” link for instructions on retrieving your BCBS username. The “password” link will help you reset your password. The “Get login help” link can help for missing BCBS login credentials and all other login problems.
BCBS is the biggest insurance company in the state of Michigan. The company provides a variety of plans suitable for any budget. The simplified BCBS login process is another way the company extends their care to members. Logging in to your member account is an easy process that allows you to access all your important account information in one place.