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.


Small Group Health insurance for Mra 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.








group insurance Solutions for 2014

Plans for Cost-Conscience Buyers

If the cost of health insurnace is the dominate concern in your health coverage decisions, you should consider Simply BlueSM. The Simply Blue suite of products is a PPO program with comprehensive coverage options designed to fit the price-sensitive budget of many businesses today. The designs offer four deductible levels and have a cost sharing feature that helps support the cost-effective use of insurance plan services.

Plans for Health-Conscious Buyers

If your business is focusing on outcome-based health insurance plans that provide incentives that will financially reward your employees for living healthy and taking an active role in their health care spending, you need look no further. Employee accountability for healthcare spending is easily managed by the use of Simply BlueSM HSAs and Simply BlueSM HRAs. These consumer-directed health care plans are available through Blue Cross.

Plans for Traditional Buyers 

If your business is interested in the most comprehensive health insurance coverage available, the updated suite of Community BlueSM plans are for you. These plan chassis are based on the traditional PPO format but contain updated prescription card offerings that include specialized cost-management features.

Healthy Blue AchieveSM and Blue Care Network HMO Plans

Member Insurance Solutions also has available Healthy Blue AchieveSM, a PPO product designed to reward employees who embrace a total health lifestyle. This new concept has some unique features that will help motivate employees to live in a more healthful manner and make wellness a priority.

Blue Care Network is the HMO option available from the Blues and offers a suite of HMO products.

If you are interested in either the Healthy Blue Achieve or the Blue Care Network health insurance offering, please call 800.878.6765 for more information.