Blue Cross Blue Shield Michigan Health Plans

Blue Cross Blue Shield of Michigan offers an individual health plan to Michigan residents and their families. Residents are guaranteed coverage regardless of any pre-existing health conditions, except for OneBlue (HMO). The plan includes hospital, surgical, medical, accident and Rx coverage. Maternity is also available.

• IC Blue Plus--Our most comprehensive individual medical plan.  Plans include hospital, medical, surgical, Rx drugs, doctor office visits, and maternity--plus limited dental and vision benefits.
• OneBlue--an HMO plan. 
• Flexible Blue--IRS-Qualified Health Savings Account Medical Plans.  Plans include hospital, medical, surgical, Rx drugs.  Available in $1500, $2500, & $5000 deductible plans---100% or 80% coverage available.
• Young Adult Blue (Ages 18-30); Our Lowest cost basic coverage. 

Most plans include:

• Hospital, medical, surgical
• Emerency Room Care
• Preventive & Diagnostic
• Inpatient Rx Drugs
• Mental/ Nervous Coverage
• 70%--100% coverage after deductible

Check your plan for an exact description of coverage details.

Guaranteed Coverage for Michigan Residents < age 65, not on Medicare, who do not have group health coverage, except for the OneBlue Plan.

Pre-existing health conditions are covered after 180 days. However, this waiting period may be waived if you have had prior group health insurance. (See enclosed Waiver of Pre-existing Exclusion page.)

GROUP PLANS

If you are self-employed, you may qualify for a group health plan. Single person (family) self-employed must belong to the Chamber of Commerce to qualify. Click below for full information.