Insurance Plans

Michigan Medicine participates with most health insurance plans. We recommend that you check with your insurance company to confirm benefit coverage prior to scheduling an appointment. For Behavioral Health benefits, participation status may vary here at Michigan Medicine. We recommend that you always check with your insurance plan before scheduling these type of services.

ACA Marketplace plans for individuals, families and small businesses.

Questions About Estimated Out-of-Pocket Costs?

If you have questions related to estimates for out-of-pocket costs, please visit our Estimates for Out-of-Pocket Costs page.

Insurance Questions

For billing and insurance questions, please contact Patient Customer Services at:

Toll-free (855) 855-0863 or (734) 615-0863, Monday through Friday 8 a.m. – 4 p.m.

Below is a list of insurances that Michigan Medicine participates with based on Medical benefits. For Behavioral Health benefits, please contact your plan directly, as they may have chosen to use a different company to administer these benefits which we may not accept.

Participating Medicare Advantage Plans

Referrals and Authorizations

Many insurance plans require referrals and/or authorizations in order 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. If you arrive for services without a referral in place, you may be asked to sign a waiver that holds you financially responsible for the services you receive.

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

Participating Health Insurance Plans

AARP (UnitedHealthcare) Medicare

Medicare Advantage Choice PPO
Medicare Advantage Open PPO
Medicare Advantage Patriot PPO
Medicare Advantage Walgreens PPO

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
Signature Administrators
Student Health
Traditional Choice /with NAP

Aetna Better Health

Healthy Michigan Plan
Medicaid HMO
Premier Plan (MI Health Link)

Alliance Health and Life (AHL)

AHL Administrative Services Only (ASO) Self-Funded Plans HMO
AHL Administrative Services Only (ASO) Self-Funded Plans EPA
AHL Administrative Services Only (ASO) Self-Funded Plans EPO
AHL Administrative Services Only (ASO) Self-Funded Plans PPO
AHL CDHP Comprehensive Full HAP EPA
AHL CDHP Comprehensive Basic Full HAP EPA
AHL EPA (HFHS Advantage Tiered Access EPA Plan) (Tier 2)
AHL EPO
AHL POS Genesys Tiered Access (Tier 2)
AHL PPO Genesys Tiered Access (Tier 2)
AHL PPO

Alliance Medicare PPO

Ambetter (From Meridian)

Ambetter Clear/Clear HSA
Ambetter Complete
Ambetter Elite
Ambetter Everyday
Ambetter Focused

AmeriHealth Caritas

VIP Care Plus (MI Health Link)

Blue Care Network (BCN)

BCN Healthy Blue Living HMO
BCN Healthy Blue Living HMO Basic
BCN HMO
BCN HRA HMO
BCN HSA HMO
BCN PCP Focus network (Specialty Care Only)
BCN Routine Care HMO
BCN Virtual Primary Care – (Specialty Care Only)
Blue Cross Preferred HMO
Blue Cross Select HMO (Specialty Care Only)
Blue Elect Plus POS
Healthy Blue Choices POS.
Michigan State University
MSU Student Health Services Network (Tier 2)
My Blue Medigap
Trinity Health Network (Tier 2 for some specialties)
U-M Domestic Student Health Insurance Plan
U-M International Student Health Insurance Plan
U-M Premier Care

Blue Care Network Advantage (BCN) Medicare

BCN 65
BCN Advantage HMO-POS
BCN Advantage HMO-POS Classic
BCN Advantage HMO-POS Elements
BCN Advantage HMO-POS Prestige
BCN Advantage HMO-POS Value
BCN Advantage HMO-POS Community Value (Specialty Care Only)
MyBlue Medigap

Blue Cross Blue Shield Federal Employee Program

BCBS FEP
BCBS FEP Focus
BCBS FEP Standard PPO

Blue Cross Blue Shield of Michigan (BCBSM)

Blue Cross Multi-State Plan
Blue Cross Physician Choice PPO
Blue Cross Premier
Blue Preferred Plus (for auto groups)
CA Limited Choice
Community Blue HRA PPO
Community Blue PPO
Comprehensive Major Medical PPO
ConnectedCare: Henry Ford Health System (Tier 2)
ConnectedCare: Ascension Genesys (Tier 2)
Enhanced Care PPO
Healthy Blue Achieve PPO
Prescription Blue Group PDP and Individual PDP
Simply Blue HRA PPO
Simply Blue HSA PPO
Simply Blue PPO
Simply Blue Routine Care PPO
Traditional Care Network
Traditional coverage (comprehensive major medical)
Blue Cross Premier
GeoBlue

Blue Cross Blue Shield of Michigan (BCBSM) Medicare

Blue Cross Medicare Private Fee for Service
Legacy Medigap
Medicare Complementary Coverage
Medicare Plus Blue Group PPO
Medicare Plus Blue PPO Assure
Medicare Plus Blue PPO Essential
Medicare Plus Blue PPO Signature
Medicare Plus Blue PPO Vitality
Medicare Supplemental

Blue Cross Complete

Healthy Michigan Plan
Medicaid HMO
MIChild HMO

Cigna

Cofinity

Department of Veterans Affairs (VA)

Optum Health / UnitedHealthcare - Community Care Network (CCN)

Davis Vision

First Health

FrontPath Health Coalition

Health Alliance Plan (HAP)

Alliance Health and Life EPA
Alliance Health and Life EPO
Alliance Health and Life Personal Alliance PPO
Alliance Health and Life PPO
Alliance Medicare PPO
CDHP Basic Full HAP EPA
CDHP Comprehensive Full HAP EPA
Genesys Tiered Access (POS) (Tier 2)
Genesys Tiered Access (PPO) (Tier 2)
HAP AHL - EPA
HAP AHL - POS
HAP AHL - PPO
HAP EPO
HAP HMO
HAP Jackson Health Network Select HMO – Jackson County Employer Group only (Tier 1 for Pediatric Services only)
HAP Jackson Health Network Select HMO (Tier 2)
HAP Jackson Health Network Select PPO (Tier 2)
HAP Personal Alliance HMO
HAP Point of Service (POS)
HAP PPO Genesys Self-funded (Tier 2)
HAP Self-Funded EPA
HAP Self-Funded EPO
HAP Self-Funded HMO
HAP Self-Funded PPO

HAP Empowered Health Plan

CSHCS
HAP Empowered Duals
Health Michigan Plan
Medicaid HMO
MI Health Link

Health Alliance Plan (HAP) Medicare Plans

Alliance Medicare PPO
HAP Medicare Flex
HAP MSU Health Care (MSUHC) Medicare
HAP MA Primary Choice – Referral from Primary Choice PCP needed
HAP Senior Plus Henry Ford Tiered Access – Tier 2
HAP Senior Plus HMO
HAP Senior Plus HMO-POS
HAP Senior Plus Option 1 and Option 2 (HMO-POS)
HAP Senior Plus Medical Only
HAP Senior Plus (PPO) (Options 1, 2, 3 and 4)

Humana

Humana Choice
Humana Commercial PPO products (through Cofinity network)
HumanaGoldChoice PFFS
Humana Gold Plus HMO/HMO-POS
Humana Gold Plus SNP
Humana Medicare Supplement
HumanaChoice PPO
Medicare PPO
Humana Value Plus PPO

McLaren Health Plan

McLaren Health Advantage PPO (Employees of McLaren Healthcare System) (Tier 2)
McLaren Health Advantage PPO (self-insured and fully-insured)
McLaren Health Plan Community HMO
McLaren Health Plan Community Point of Service (POS)
McLaren HMO Rewards - Tier 2
McLaren HMO HSA
McLaren HMO VCP
McLaren Young Adult

McLaren Health Plan Medicaid