Insurance

University of Michigan Health System accepts most insurance plans including various managed care plans. We recommend that you check with your health plan to determine health care coverage at the University of Michigan before scheduling your hospital or clinic visit.

If we have a contract with your insurance plan, you will be asked to pay for any out of pocket costs such as co-payments, co-insurance, deductibles and non-covered services (Insurance contracts change periodically, and we recommend you check with your insurance benefit to see if they include us in their network). Your insurance company will have the most accurate information related to your benefits.

If your insurance is not one of the Participating Insurance Plans listed below, we will send your insurance plan a bill as a courtesy, but any amounts your insurance company does not pay will be your responsibility.

Referrals and Authorizations

Many insurance plans require referrals and /or authorizations for services to be covered. A referral is permission from your primary care physician and your health plan to see a particular provider or to have specific procedures done. If your plan requires a referral, your primary care physician must provide the referral prior to services being rendered.

Authorizations are often required for procedures such as surgery or MRI. If an authorization is required, UMHS clinic staff will obtain the authorization from your health plan prior to the service. If you have any questions about whether a service will be authorized, please call your health plan.

You may be responsible for payment if the necessary approvals are not in place.

Multiple Insurance Plans

If you have multiple insurance plans, those plans must agree on coordination of benefits order. Coordination of benefits determines who will be billed primary or secondary for your services. Some insurance companies require patients to verify this order every year. If your insurance company has sent you a coordination of benefits request they may refuse to pay your bills until you have responded. Delays in your response could result in you receiving a bill.

For Billing & Insurance Questions: Toll-Free 855-855-0863
Local Call 734-615-0863
Monday-Friday 8:30 a.m. - 6 p.m.
patient-customer-service@umich.edu

Participating Insurance Plans:

For a list of participating plans available through the Affordable Care Act  (Obamacare) Marketplace and Michigan Medicaid Expansion, please see this page.

Aetna

  • Affordable Choices (SRC) Indemnity
  • Affordable Choices (SRC) PPO
  • Choice POS II
  • Elect Choice EPO/Open Access
  • Managed Choice POS/Open Access
  • Medicare Advantage Plan PPO
  • Open Choice PPO
  • Select/Open Access
  • Student Health
  • Traditional Choice/with NAP

Alliance Health and Life (AHL)

  • Exclusive Provider Arrangement (EPA)
  • Exclusive Provider Organization (EPO)
  • HAP Personal Alliance PPO *
  • HAP PPO
  • Medicare PPO (Medicare Advantage)
  • Medicare Supplement
  • Point of Service (POS)
  • Preferred Provider Organization (PPO)

Beaumont Employee Health Plan (Tier 2)

Blue Care Network (BCN)

  • Advantage HMO (Medicare Advantage)
  • BCN 65
  • Blue Elect Plus
  • BCN HMO
  • Blue Essentials
  • Blue Elect SRO
  • Blue Cross Preferred *
  • Blue Cross Select *
  • BCN PCP Focus *
  • Healthy Blue Living HMO
  • Healthy Blue Living Rewards HMO
  • MyBlue Medigap
  • UM Premier Care
  • UM Premier Care 65

Blue Cross Blue Shield of Michigan (BCBSM)

  • Blue Cross Complete (Medicaid HMO)
  • Blue Cross Multi-State Plan *
  • Blue Cross Premier *
  • Blue Preferred
  • Blue Preferred Plus
  • Community Blue
  • Healthy Blue Achieve
  • Keep Fit Plan
  • MESSA Choices II
  • MIChild
  • National PPO
  • Smart Health (Tier 2)
  • Simply Blue (HRA/HSA)
  • Standard Care Network
  • Traditional Care Network
  • Value Blue PPO
  • Medicare Plus Blue (PPO)
  • Out of State PPO Plans (BlueCard Program)
  • Traditional

CHAMPVA

ChoiceCare Network

  • Preferred Provider Organization PPO

Cigna

  • Exclusive Provider Organization (EPO)
  • GWH-Cigna OAP
  • GWH-Cigna PPO
  • Indemnity
  • International
  • Network/Network Open Access
  • Open Access Plus/Open Access Plus In-Network
  • Point of Service (POS)/POS Open Access
  • Preferred Provider Organization (PPO)

Cofinity

Consumers Mutual

  • Consumers Mutual Premier *
  • Consumers Mutual Choice *
  • Consumers Mutual Basic *
  • Consumers Mutual Generation *

ConnectCare

  • Preferred Provider Organization (PPO)

Coventry Health Care

  • Preferred Provider Organization (PPO)

CuraNet (through Cofinity)

  • Preferred Provider Organization (PPO)

Davis Vision

Delta Vision

DMC Care (Tier 2) 

First Health

FrontPath Health Coalition

GEHA (through PHCS) 

Golden Rule/UnitedHealth One

Health Alliance Plan (HAP)

  • HAP Personal Alliance HMO *
  • HAP HMO*
  • HAP EPO*
  • HMO (Open Delivery System)
  • Point of Service (POS)
  • Senior Plus (Open Delivery System)

HAP Preferred

  • Exclusive Provider Arrangement (EPA)
  • Point of Service (POS)
  • Preferred Provider Organization (PPO)

HealthPartners (with Cigna logo)

  • Open Access Choice
  • Open Access Perform

HealthPlus of Michigan

  • HMO
  • Medicare Plus Advantage HMO
  • Medicare Plus Advantage PPO
  • MIChild
  • Point of Service (POS)
  • Preferred Provider Organization (PPO)
  • Supplemental to Medicare

HealthPlus Partners

  • Medicaid HMO (Specialty Care Only)

Humana

  • Choice Medicare Advantage PPO
  • Gold Choice Medicare Advantage PFFS
  • Preferred Provider Organization (PPO)

Hygeia

  • Preferred Provider Organization (PPO)

McLaren Health Plan

  • McLaren HMO
  • McLaren POS
  • McLaren Medicaid HMO
  • McLaren MIChild
  • McLaren Health Advantage PPO
  • McLaren PPO
  • McLaren Select PPO
  • McLaren Rewards (Tier 2) *
  • McLaren Young Adult
  • McLaren Advantage HMO/D-SNP
  • Medicare Advantage SNP-D (specialty only)

Medical Mutual of Ohio (with Cofinity logo only)

  • Preferred Provider Organization (PPO)

Medica (with UHC Logo) 

Medicare A & B

Meridian Health Plan of Michigan

  • Medicaid HMO

Mail Handlers Benefit Plan (MHBP) (through First Health) 

Michigan Medicaid

Midwest Health Plan

  • Medicaid HMO
  • MIChild
  • Midwest Advantage HMO-SNP (restricted to Wayne County residents)

MVP Health Care (with Cigna logo)

  • Open Access Plus

OneNet PPO (UHC)

  • Preferred Provider Organization (PPO)

OHSCare (Tier 2) 

Oxford Health Plan (UHC)

  • Preferred Provider Organization (PPO)

PacifiCare (UHC)

  • Signature Elite (PPO)
  • Signature Freedom (PPO)
  • Signature Independence (Indemnity)

Paramount

  • Elite (Medicare Advantage PPO)
  • Multi Access Plan (Tier 2)

Physicians Care

Physicians Health Plan (PHP)

  • HMO
  • Preferred Provider Organization (PPO)
  • Select/Select Plus

Priority Health

  • MyPriority HMO *
  • MyPriority MyHealth HMO *
  • MyPriority Vida HMO *
  • MyPriority Access PPO *
  • MyPriority MyHealth Access PPO *
  • Priority Health EPO
  • Priority Health HMO
  • Priority Health POS
  • Priority Health PPO
  • Priority HealthbyChoice (HMO/PPO/POS)
  • PriorityHSA
  • Priority Medicare (HMO/POS)
  • Priority Medicare Value (HMO/POS)
  • Priority Medicare Select (PPO)

Private Health Care Systems (PHCS)

TRICARE

  • Reserve Select
  • Standard
  • TRICARE for Life (Medicare Supplemental)

UnitedHealthcare (UHC)

  • Basics
  • Choice
  • Choice Plus/CORE Choice Plus
  • Indemnity
  • Options PPO
  • Select/Select Plus

UnitedHealthcare West

  • Signature Elite (PPO)
  • Signature Freedom (PPO)
  • Signature Independence (Indemnity)

UnitedHealthcare Community Plan (Michigan Only)

  • Dual Complete (Medicare Advantage SNP-D)
  • Medicaid HMO
  • MIChild

Washtenaw Health Plan (WHP)

  • WHP A (UM PCP)
  • WHP B (UM PCP)

*Available on the Individual Insurance Marketplace and SHOP