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employee benefit programs
 employer health benefits
health benefits peo

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.


PEO Company


 health, benefits, employee, leasing, peo, Professional Employer Organization
 health, benefits, employee, leasing, peo, Professional Employer Organization
Select A Benefit Below For More Information

Medical Plan Overview   

Flexible Blue High Deductible Health Plan   

Health Savings Account   

PPO Options   

Emergency Care   

Prescription Benefits   

Medical Expense / Hospital Indemnity Plan   

Dental Benefits   

Vision Benefits   

Life & Short Term Disability   

401K   

Women's Health & Cancer Rights Act   

Benefit Summaries   

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health, benefits, employee, leasing, peo, Professional Employer Organization
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