Flexible Blue High Deductible Health Plan
The Flexible Blue Plan is a High Deductible Health Plan from Blue Cross Blue Shield of Michigan
(BCBSM) that offers comprehensive medical coverage with relatively high out-of-pocket
expenses. This plan meets the IRS requirements for a Health Savings Account (HSA) which
allows you to pay for qualified health care expenses with pre-tax dollars. More information
regarding the HSA can be found HERE
The Flexible Blue plan is a PPO plan. This means, you have complete freedom to see any doctor
of your choice. If you choose doctors and hospitals within the BCBSM PPO network, your out of pocket
costs are lower than if you use other providers. BCBSM has the largest network of
providers in Michigan with over 13,000 primary and specialty care physicians and more than 150
hospitals.
NOTE: If you are traveling or reside outside of Michigan, you can also access BCBSM PPO
providers in other states. PPO providers submit claims to their local BCBSM plan for payment.
To locate PPO network providers:
1. Ask your doctor whether he/she is a BCBSM PPO provider.
2. Call BCBSM at: 1-800-810-BLUE; or
3. Visit the BCBSM web site on the Internet at: www.bcbsm.com for PPO providers in
Michigan or www.bluecares.com for PPO providers in other states.
The PPO plan provides coverage at 80% for most in-network services after a $2,000
single/$4,000 family deductible. Out-of-network services are covered at 60% after a
$4,000 single/$8,000 family deductible. Please keep in mind that the family
deductibles on this plan are true deductibles, not maximums like the Community Blue
plans.
These are some of the highlights of the Flexible Blue
High Deductible Plan:
Preventive care benefits before you satisfy the deductible
As long as you use a network provider, you will be eligible for 100%
coverage up to a $500 annual maximum per member for your
preventive care benefits including:
Routine physical exams
Gynecological exams
Well baby/child care to age 15
Immunizations to age 16
Routine Pap Smear (one per calendar year)
Prostate-Specific Antigen (PSA) (one per calendar year)
All other covered services, including Prescription drugs, are
covered after the deductible and coinsurance. |
