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Blue Cross Blue Shield of Michigan
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Your BCN HMO Plan Benefits

Learn the benefits of your Blue Care Network or BCN plan and the great things that come with it.

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Set up your member account

Having a member account makes it easy to access your health plan details to:

  • Track deductibles, maximums and copays
  • View coverage for health care services
  • Search and view your claims history
  • See cost estimates for procedures
  • Get real-time notifications for prior authorizations and referrals
REGISTER

Visit the mobile app page to learn more and download the app.

Choose or find a new provider

Once you enroll, you'll need to select a BCN primary care provider. You're required to have one on file with us. If you do not select a primary care provider, one will be assigned to you.

LOG IN TO FIND A PROVIDER

Find ways to choose or change a PCP without logging in.

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Understand your plan

Review your plan information

  • Video

    Welcome video

  • pdf

    Welcome guide

  • PDF

    PCP selection FAQs

  • Pdf

    2025 drug list

Log in to view your health plan details.

Learn more about the Healthy Blue Living℠ HMO plan

Visit the Healthy Blue Living or HBL page for health plan details or download the guide.

Get details

HBL member guide PDF

Frequently asked questions

How do deductibles, coinsurance and copays work?

Deductibles
A deductible is the amount you pay for health care services before your health insurance begins to pay. If your health plan deductible is $1,500, you’ll pay 100% of eligible health care expenses until the bills total $1,500. After that, you share the cost with your plan by paying coinsurance.

Coinsurance
Coinsurance is your share of the cost of a health care service, usually a fixed percentage of what Blue Cross pays your provider. You start paying coinsurance after you've paid your health plan deductible.

Copays
For instance, you’ve paid $1,500 in health care expenses and met your deductible. When you see a provider, instead of paying all costs, you and your plan share the cost. For example, your plan pays 70%. The 30% you pay is your coinsurance.

What is an out-of-pocket maximum?

An out-of-pocket maximum is the most you’ll pay for services you receive during a plan year. It includes your deductible, coinsurance and copay.

Once you’ve reached your out-of-pocket maximum, your health plan pays 100% of the allowed amount for health care services. You will still be responsible for your monthly payment or premium and health care services not included in your plan’s benefits.

How do referrals work with my HMO plan?

When you have a Blue Care Network HMO plan, a primary care physician or PCP is your first point of contact for care. If your PCP can’t provide the care you need, he or she will give you the name of a doctor who can. That’s called getting a referral.

In some cases, HMO plans won’t help pay for care you get from doctors without a referral. You can avoid unexpected bills by understanding how HMO referrals work. Learn more about HMO referrals.

How do health spending accounts work?

Health spending accounts are used to pay for qualified medical, prescription, dental and vision expenses. The three main types of plans are:

  • HSA or health savings account
  • HRA or health reimbursement account or arrangement
  • FSA or flexible spending account

Visit the health spending accounts page for details.

Make the most of your plan

Explore the resources and extras that go with your health plan.

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Behavioral health resources

View behavioral health options
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Virtual visits

Access Virtual Care by Teladoc Health®
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24-Hour Nurse Line

Talk to a registered nurse
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Care when you travel

Learn about care away from home
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Exclusive discounts

See Blue365® member discounts
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Virtual webinars

Access Virtual Well-Being℠

Questions?

Don’t see the answers you’re looking for? Call the number on the back of your card or call 1-800-662-6667 from 8 a.m. to 8 p.m. Monday through Friday.

Blue Care Network is a nonprofit corporation and independent licensee of the Blue Cross and Blue Shield Association. 

Teladoc Health® is an independent company that provides virtual care solutions on behalf of Blue Cross Blue Shield of Michigan and Blue Care Network. 

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©1996-2025 Blue Cross Blue Shield of Michigan and Blue Care Network are nonprofit corporations and independent licensees of the Blue Cross Blue Shield Association. We provide health insurance in Michigan. State and Federal Privacy laws prohibit unauthorized access to Member's private information. Individuals attempting unauthorized access will be prosecuted.