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.

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. MDA Insurance offers both group coverage plans as well as individual programs. For more information please call us at (800) 860-2272

The Major Differences Between Flexible Blue and Community Blue

• Preventive care is an optional rider with Flexible Blue.
• With Flexible Blue, the deductible must be met before any claims are paid by BCBSM.  This means that in the case of a family contract, no claims will be paid until the entire deductible is met — even if one family member met the individual amount.
• There are no "flat" copays for office visits with Flexible Blue.
• There is no fourth quarter carryover with Flexible Blue.
• Prescription drugs and medical have one integrated deductible with Flexible Blue.
• Under Flexible Blue, if the group is also offering prescription drug coverage, it must be a Flexible Blue drug plan.
• Deductible and coinsurance applies to all services, including human organ transplants, with Flexible Blue.

There are three different Flexible Blue plans to choose from and all three can be modified by adding preventive care, prescription coverage, and/or different percentage copay options.

Your Vision Plan: A Benefit Worth Considering

Have you considered a springtime spruce-up for your current benefit structure at your practice? Currently, all MDA members, staff and dependents covered by the MDA individually quarterly-billed Blue Cross Blue Shield health plan are eligible for an annual no-cost eye examination under this program. This benefit is offered through Vision Service Plan (VSP) and MDA Insurance. If you would like more information on what's available or need cost information, please give MDA Insurance a call at (800) 860-2272.

Personal Appointments Available

MDA Insurance provides the option of on-site visits to discuss the issues that apply to your particular situation. To set an appointment at your convenience, please call (800) 860-2272 and ask for an appointment.

A traditional group program owned by the business and offering participating employees the same benefit options. With no medical underwriting, all full-time employees may participate in the plan regardless of health. BCBSM offers standard pricing for any of its three Health Savings Accounts, one Comprehensive or nine PPO programs and Blue Care Network options. These programs are endorsed by the Michigan Dental Association.

To begin, download the Census Form by following the link below. This form identifies the data elements required for preparing a quote for your particular needs. 

Coverage Options

Community Blue PPO

Coverage that uses a network of primary care doctors, specialists and hospitals that focus on delivering cost-effective, quality patient care. Members save money when they use network providers and avoid a sanction for out-of-network services.

• PLAN 1
  Deductible: None (in-network); $250/individual and $500/family (out-of-network)
  Co-pays: $10/office; $50/emergency room
• PLAN 2
  Deductible: $100/individual and $200/family (in-network); $250/individual and $500/family (out-of-network)
  Co-pays: $10/office; $50/emergency room
• PLAN 3
  Deductible: $250/individual and $500/family (in-network); $500/individual and $1,000/family (out-of-network)
  Co-pays: $10/office; $50/emergency room
• PLAN 4
  Deductible: $500/individual and $1,000/family (in-network); $1,000/individual and $2,000/family (out-of-network)
  Co-pays: $10/office; $50/emergency room
• PLAN 12
  Deductible: $1,000/individual and $2,000/family (in-network); $2,000/individual and $4,000/family (out-of-network)
  Co-pays: $30/office; $50/emergency room
• PLAN 14
  Deductible: $1,500/individual and $3,000/family (in-network); $3,000/individual and $6,000/family (out-of-network)
  Co-pays: $30/office; $50/emergency room
• PLAN 15
  Deductible: $2,500/individual and $5,000/family (in-network); $5,000/individual and $10,000/family (out-of-network)
  Co-pays: $30/office; $50/emergency room
• PLAN 16
  Deductible: $250/individual and $500/family (in-network); $500/individual and $1,000/family (out-of-network)
  Co-pays: $10/office and $50/emergency room (in-network); $100/emergency room (out-of-network)
• PLAN 17
  Deductible: $1,000/individual and $2,000/family (in-network); $2,000/individual and $4,000/family (out-of-network)
  Co-pays: $30/office and $100/emergency room (in-network); $100/emergency room (out-of-network)
  

Flexible Blue HSA

A high-deductible health plan (HDHP) that qualifies for use with a Health Savings Account. These plan options offer three levels of deductibles and use a network of primary care physicians, specialists and hospitals that provide quality patient care. Members save money when they use network providers and avoid sanctions for out-of-network services.

• FLEXIBLE BLUE COMPARISON CHART
• PLAN 2
  Deductible: $1,250/individual and $2,500/family (in-network); $2,500/individual and $5,000/family (out-of-network)
• PLAN 3
  Deductible: $2,000/individual and $4,000/family (in-network); $4,000/individual and $8,000/family (out-of-network)
• PLAN 4
  Deductible: $2,850/individual and $5,650/family (in-network); $5,700/individual and $11,300/family (out-of-network)

BCN Options Available

Please call (800) 860-2272.