Health plans

BCBS of Michigan expands its portfolio of flexible health plans for the market – State of Reform

Blue Cross Blue Shield of Michigan (BCBSM) and Blue Care Network (BCN) are to add 18 new health plans for the individual market for the 2023 ACA Marketplace open enrollment period. The new plans include a new HMO virtual primary care plan and a localized network option that gives members more choices about where and how they get their care.

BCN’s virtual care plan gives HMO members the flexibility to get care virtually, on-demand, BCBSM said. These plans will have the same care flexibility as in-person visits.

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The localized network option is for HMO members in Southeast Michigan looking for more affordable plans. These plans will offer a tighter HMO network offering a “streamlined group of networked physicians,” BCBSM said in a Press release.

“We recognize that individuals and families are looking for more ways to personalize their health care coverage, so they have more access to the services they really need,” said Rick Notter, vice president of individual affairs for BCBSM. “This year’s additions not only provide members with several additional plan options to meet their health care needs and budget, but they also provide more value, convenience and access through new partnerships and expanded capabilities that we are very excited to offer as part of our portfolio for the next open enrollment.

Additional benefits include genetic testing through the new Blue Cross Precision Medicine program for HMO members and a maternal health program for eligible PPO and HMO members.

Blue Cross’ Precision Medicine program uses genetic testing to personalize drug therapy based on a review of a patient’s current medications. The program “aims to optimize the medical benefits of specific therapies for individuals based on their genetics, lifestyle, and environmental factors.”

Patients can take advantage of several additional benefits offered in the network’s individual market plans for free. These benefits include free annual visits, wellness appointments, vaccinations, online Blue Cross medical visits and diabetes management tools.

BCBSM and BCN membership has remained stable throughout 2022, with over 160,000 members registered in the individual market. Of these members, more than 55% receive subsidies through the market to help them pay their premiums.