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

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)

Ambetter (From Meridian)

Ambetter Essential Care
Ambetter Balanced Care
Ambetter Base Gold
Ambetter Secure Care

AmeriHealth Caritas

VIP Care Plus (MI Health Link)

Blue Care Network (BCN)

BCN 65
BCN Advantage HMO-POS
BCN Advantage HMO-POS Community Value (Specialty Care Only)
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
Blue Cross Preferred HMO
Blue Cross Select HMO (Specialty Care Only)
Blue Elect Plus Self-Referral Option
Medical deductible products
Meijer Premier Health Network
Michigan State University
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 Cross Blue Shield of Michigan (BCBSM)

Blue Cross Medicare Private Fee for Service
Blue Cross Multi-State Plan
Blue Cross Physician Choice PPO
Blue Cross Premier
Blue Preferred Plus (for auto groups)
Community Blue HRA PPO
Community Blue PPO
Healthy Blue Achieve PPO
Legacy Medigap
Medicare Complementary Coverage
Medicare Plus Blue Group PPO and Medicare Plus Blue PPO Individual
Medicare Supplemental
Prescription Blue Group PDP and Individual PDP
RA Limited Choice
Simply Blue HRA PPO
Simply Blue HSA PPO
Simply Blue PPO
Simply Blue Routine Care PPO
Traditional coverage (comprehensive major medical)
Blue Cross Premier
GeoBlue

Blue Cross Complete

Medicaid HMO
Healthy Michigan Plan

Cigna

Cofinity

Department of Veterans Affairs (VA)

Optum Health / UnitedHealthcare - Community Care Network (CCN)

First Health

FrontPath Health Coalition

Health Alliance Plan (HAP)

Allegiance Tiered Access (EPA) (Tier 2)
Allegiance Tiered Access (PPO) (Tier 2)
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 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 Preferred - EPA
HAP Preferred - POS
HAP Preferred - PPO
HAP Primary Choice Medicare (HMO) (Specialty Care Only)
HAP Self-Funded EPA
HAP Self-Funded EPO
HAP Self-Funded HMO
HAP Self-Funded PPO
HAP Senior Plus (HMO)
HAP Senior Plus (HMO-POS)

HAP Empowered Health Plan

Health Michigan Plan
Medicaid HMO
MI Health Link

HAP Preferred

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 Health Plan Medicaid HMO
McLaren Health Plan Rewards (Tier 2)
McLaren Young Adult

Medicare

Meridian Health Plan of Michigan