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


  • 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 POS Genesys Tiered Access (Tier 2)
  • AHL PPO Genesys Tiered Access (Tier 2)
  • 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 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 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



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 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 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 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

  • McLaren Health Plan Medicaid HMO
  • McLaren Health Plan Healthy Michigan Plan HMO
  • McLaren Health Plan MIChild HMO

McLaren Health Plan Medicare

  • Medicare Inspire
  • Medicare Inspire Flex
  • Medicare Inspire Plus
  • Medicare Inspire Duals
  • McLaren Medicare Supplemental


MediGold/Trinity Health Plan of MI

  • Trinity Health Plan of Michigan Cash Back (HMO)
  • Trinity Health Plan of Michigan Cash Back MAPD (HMO)
  • Trinity Health Plan of Michigan No Premium (HMO)

Meridian Health Plan of Michigan

  • MeridianHealth Healthy Michigan Plan HMO
  • MeridianHealth Medicaid HMO
  • MeridianHealth MIChild HMO

Metro Care

Michigan Medicaid(Traditional)

MidMichigan Health Network

  • ConnectCare PPO

Molina Healthcare of Michigan

  • Confident Care
  • Constant Care
  • Healthy Michigan Plan
  • Medicaid HMO
  • MIChild HMO
  • Medicare Choice Care (HMO)
  • Medicare Complete Care (HMO D-SNP)
  • Medicare Complete Care Select (HMO D-SNP)
  • Medicare Dual Options (MI Health Link)


  • Paramount Elite Enhanced
  • Paramount Elite Prevail
  • Paramount Elite Prime
  • Paramount Elite Standard
  • Paramount Preferred Options PPO (Through CuraNet/HAP AHL)
  • Administrative Services Only ASO (Through CuraNet/HAP AHL)

Parkview Signature Care

  • Parkview Signature Care PPO Dual Choice
  • Parkview Signature Care PPO Exclusive Advanced
  • Parkview Signature Care PPO Exclusive Elite
  • Parkview Signature Care EPO


Physicians Health Plan (PHP)

  • Covenant Advantage
  • Covenant Advantage Plus
  • Covenant PHP Exclusive
  • Michigan Care
  • PHP Advantage
  • PHP Advantage Plus
  • PHP Exclusive HMO
  • Sparrow Advantage
  • Sparrow Advantage Plus
  • Sparrow Health System Group Benefit Plan (PPO) (Tier 2)
  • Sparrow PHP Exclusive
  • Sparrow PHP Exclusive HMO
  • Sparrow PHP HMO
  • University of Michigan Health Advantage
  • University of Michigan Health Advantage Plus
  • University of Michigan PHP Exclusive

PHP of Northern Indiana HMO/PPO (specialty services only)

Point Comfort Underwriters

  • Unaccompanied Children Program
  • Unaccompanied Refugee Minor Program

Priority Health

  • HealthybyChoice Incentives HMO
  • HealthybyChoice Incentives POS
  • HealthybyChoice Incentives PPO
  • MyPriority HMO Open Network
  • Priority HMO
  • Priority HMO - Southeast MI Partners (Specialty Care Only)
  • Priority HMO - West Michigan Partners (Tier 2)
  • Priority POS
  • Priority PPO
  • PriorityExtras HMO
  • PriorityExtras POS
  • PriorityHRA HMO
  • PriorityHRA POS
  • PriorityHSA HMO
  • PriorityHSA HMO - West Michigan Partners (Tier 2)
  • PriorityHSA POS

Priority Health Medicaid

  • Healthy Michigan Plan
  • Medicaid HMO
  • MiChild HMO

Priority Health Medicare

  • PriorityMedicare + Kroger PPO
  • PriorityMedicare Compass PPO
  • PriorityMedicare Edge PPO
  • PriorityMedicare HMO
  • PriorityMedicare HMO D-SNP
  • PriorityMedicare Ideal PPO
  • PriorityMedicare Key HMO
  • PriorityMedicare Merit PPO
  • PriorityMedicare PPO D-SNP
  • PriorityMedicare PPO D-SNP + Kroger
  • PriorityMedicare Select PPO
  • PriorityMedicare Value HMO  
  • PriorityMedicare Vital PPO

Priority Health Self-Funded (Tier 2)

  • Borgess Medical Center (Kalamazoo)
  • Gentex (Zeeland)
  • Grace Health
  • Kalkaska Memorial Health Center
  • Lakeland Health
  • Munson Healthcare
  • Oaklawn Hospital (Marshall)
  • Paragon Health PC
  • Spectrum Health Employer Group

Provider Network of America

Private Health Care Systems (PHCS)/Multiplan

Thome PACE

TRICARE (Non-Network Provider)

  • For Life
  • Reserve Select
  • Retired Reserve
  • Select
  • Young Adult

UnitedHealthcare (UHC)

  • Choice
  • Choice Plus
  • Core Choice Plus
  • Golden Rule PPO
  • Indemnity
  • Medicare Advantage PPO
  • OneNet PPO
  • Options PPO
  • Select
  • Select Plus

UnitedHealthcare Community Plan (Michigan Only)

  • Dual Complete (Medicare-Medicaid Plan)
  • Healthy Michigan Plan
  • Medicaid HMO


  • Absolute (PPO)
  • Assist (HMO)
  • Community Assist (PPO)
  • Dual Access (HMO-POS D-SNP)
  • Dual Access Open (PPO D-SNP)
  • Giveback (HMO)
  • Low Premium (HMO-POS)
  • No Premium (HMO-POS)
  • No Premium Essential (HMO-POS)
  • No Premium Exclusive for Life (PPO)
  • No Premium Open (PPO)
  • No Premium Open (PPO)
  • Patriot Giveback Open (PPO)
  • Patriot Giveback Open (PPO)
  • Premier (PPO)

Washtenaw Health Plan (WHP)

Zing Health 

  • Zing Select Care MI (HMO)
  • Zing Dual Complete Select MI (HMO D-SNP)
  • Zing Select Diabetes & Heart MI (HMO C-SNP)
  • Zing Open Choice Diabetes & Heart MI (HMO C-SNP)
  • Zing Elite Select MI (HMO PSP) (Specialty Care Only)
  • Zing Open Choice MI (PPO)
  • Zing Dual Complete Open Choice MI (PPO D-SNP)

Participating Transplant Networks

Aetna Institutes of Excellence

Blue Distinction Centers for Transplant

Cigna LifeSOURCE