While planning your visit to the October 19 & 20, 2010 Michigan Restaurant Show.  Add a stop by at the Blue Cross Blue Shield booth; for help in selecting the Right Blue Cross Blue Shield Plan for You

The types of medical plans available to select from include:

Health Maintenance Organization (HMO)

A state licensed Health Maintenance Organization provides physician and hospital services to members through an HMO network of participating providers. Members must choose a primary care physician who manages their care. The primary care physician is responsible for authorizing care and referrals to specialists. No out- of- network benefits are available.

Preferred Provider Organization (PPO)

The PPO is a Fee for Service Program that offers a higher level of benefits to members when in-network PPO providers are used, including physicians, specialists and hospitals. There is still coverage when non-network providers are used, but generally with a higher deductible and/or co-insurance.

Point of Service (POS)

Members choose a Primary Care Physician and must coordinate all services in order to be covered at an in-network level of services. Any services not coordinated through the Primary Care Physician are covered at an out-of-network level of service, which include deductibles and copayments. The POS plan operates much like an HMO, however, there is out-of-network coverage when the member chooses to use a provider other than their Primary Care Physician.

My Blue

A large selection of health care plans available to match with your budgeting needs at every stage of your life. My Blue is individually billed coverage for individuals and businesses with as few as two enrolled contracts.

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