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


  • 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 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



Department of Veterans Affairs (VA)

  • Optum Health / UnitedHealthcare - Community Care Network (CCN)

Davis Vision

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 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 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


Meridian Health Plan of Michigan

  • MeridianCare (HMO/HMO SNP) Plans (Rebranded to WellCare)
  • MeridianChoice (Rebranded to Ambetter From Meridian 1/1/21)
  • MeridianComplete (MI Health Link)
  • MeridianHealth Healthy Michigan Plan HMO
  • MeridianHealth Medicaid HMO

Metro Care

Michigan Medicaid(Traditional)

MidMichigan Health Network

  • ConnectCare PPO

Molina Healthcare of Michigan

  • Healthy Michigan Plan
  • Marketplace Plans (Bronze, Silver, Gold)
  • Medicaid HMO
  • Medicare Dual Options (MI Health Link)
  • Medicare Options Plus (HMO/D-SNP)


  • Paramount Elite (Medicare Advantage HMO)
  • Paramount Preferred Options PPO (Through CuraNet/HAP Preferred)
  • Administrative Services Only ASO (Through CuraNet/HAP Preferred)

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)

  • Michigan Care
  • PHP Exclusive HMO
  • Sparrow Health System Group Benefit Plan (PPO) (Tier 2)
  • Sparrow PHP Exclusive HMO
  • Sparrow PHP HMO

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 PPO
  • MyPriority Short-Term PPO
  • Priority HMO
  • Priority HMO - Southeast MI Partners (Primary Care) (Tier 2)
  • 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
  • PriorityMedicare HMO
  • PriorityMedicare Ideal PPO
  • PriorityMedicare Key HMO
  • PriorityMedicare Merit PPO
  • PriorityMedicare Select PPO
  • PriorityMedicare Value HMO
  • Spectrum Health Employer Group (Tier 2)   

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)

  • Basics
  • 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)

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

Washtenaw Health Plan (WHP)

Participating Transplant Networks

Aetna Institutes of Excellence

Blue Distinction Centers for Transplant

Cigna LifeSOURCE