Customer Center

Group and Individual Programs Available

Today's financial world requires a wide variety of insurance and financial options to address both your individual needs and the needs of your employees. Member Insurance Solutions offers both group coverage plans as well as individual programs. For more information, or a personal appointment, please call us at 800.878.6765.

The Major Differences Between Simply BlueSM and Community BlueSM

The most significant difference is that with Simply Blue, the full contract deductible must be met before any claims are paid by BCBSM. Other differences include:

  • Office Services: Co-pays apply with Community Blue, deductible and co-insurance apply with Simply Blue
  • Emergency Room Co-pay not waived for accidental injury with Simply Blue
  • Physical, Speech, Occupational Therapy: Simply Blue allows 50% fewer treatments
  • Out-of-Network Referrals are subject to out-of-network cost sharing with Simply Blue

Word to the Wise

Never submit manual claims for multiple family members to Blue Cross Blue Shield of Michigan in one envelope. For better service, use different envelopes.

Green Industries

Small Group Health insurance for mgia members

A traditional group health insurance program is owned by the business and offers all participating employees the same benefit options. Blue Cross® Blue Shield® of Michigan offers group health insurance plans that fit three categories of health insurance buyers. This portfolio is designed to offer each category of buyer a suite of products that have flexibility and best fit the coverage needs of each business. All these options are rich in benefits and sensitive to the budget as the business grows.

Listed below are the census form and other tools that you may need to manage your medical coverage.












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Coverage for Companies 2016 Product Suites Overview:
Click here for complete benefits overview for all suites available in 2016.

Optional: Blue Dental PPO Plus 100/80/50 with a $1,000 annual maximum and Blue Vision 12/12/24.

Chart abbreviations:

  • Coins: Coinsurance
  • OOP Max: Out-of-pocket maximum paid before plan pays 100% thereafter
  • OV/Spec/UC/ER: Copays for office visit, specialist, urgent care, emergency room
  • Rx: Copay for generic, preferred brand, non-preferred brand, non-preferred brand, preferred brand-name specialty, non-preferred specialty

Blue Cross Blue Shield of Michigan eligibility and participation rules apply. To get a quote, please call 877-906-9924 or click here download and complete this group census form.

All plans have an embedded pharmacy benefit and all plans pay for preventive care at 100% before the deductible with no copayments or coinsurance applicable. Suites are standard packages and cannot be modified.