MCC partners with Blue Cross Blue Shield of Michigan and Blue Care Network to provide four medical plan options that meet the diverse needs of employers and employees. All medical plans align with the teachings and values of the Catholic Church and provide participants with prescription drug coverage and flexibility when choosing providers. All plans cover preventative care at 100% when received in network. Care can generally be received in-network or out-of-network. If you choose to go out-of-network, you will have higher out-of-pocket costs and not all services will be covered.
As a BCBSM or BCN member you will have access to discounts and health and well-being resources on the BCBSM website.
The BCBSM mobile app allows you secure access to your ID card right on your phone as well as providing secure access to view deductibles, check claims, select primary care physician and more. It can also link directly to your Health Care Flexible Spending Account.
Your employer may have medical plan cost sharing for your coverage or for covering family member, or it may be paid 100% by employee. Please check with your employer about which plans you are offered. MCC is not aware of their medical premium cost-share amounts so please check with your employer as to how much you may be asked to contribute towards the cost of medical coverage for yourself and covered family members.
- Health Plan Comparison
- Medical Plans Frequently Asked Questions
- Find a Doctor — you can visit the BCBSM website and use this tool to find in-network provider including physicians and hospitals.
Certain services are only covered when received from an in-network provider (for details see Benefits-At-A-Glance for each plan).
Certain services will require prior authorizations or that you receive services from an approved provider. Check with BCBSM or BCN for details or call MCC Benefits.
Blue Care Network-Blue Elect Plus
BCN Blue Elect Plus is a Point of Service (POS) plan that provides the affordability and managed care benefits of an HMO, layered with provider choice without the need for a referral. You have access to BCN’s vast provider network (in-network) with the flexibility of seeking care out of network. You will enjoy the highest level of benefit when you receive care in-network with certain services only covered when received in-network Once enrolled, you will need to select and work closely with a primary care physician to manage care. Once you select your primary care physician you can seek care from other physicians and specialists without referral.
BCBSM Community Blue PPO Plans
Community Blue is a Preferred Provider Organization (PPO) that gives you flexibility when choosing health care options. As a PPO plan participant you are allowed to receive health care services in-network from a Community Blue PPO provider or choose an out-of-network provider. MCC offers three PPO plans with differing levels of deductibles, coinsurance, copays and out-of-pocket maximums.
The PPO1 plan has the lowest deductible of the PPO plans at $250 per person and $500 per family and co-insurance of 20% and flat dollar copays for office visits and prescription drugs.
PPO2 is our mid-range PPO plan with an in-network deductible of $1500 per person/$3,000 per family and 30% co-insurance after deductible on most covered services, and flat dollar copays on prescription drugs.
The PPOHD is a high deductible plan and compliant with Health Savings Accounts. Deductible and coinsurance apply to all covered services except preventative care.
The following programs are available to you at no cost when enrolled in any of MCC’s medical plans.
Rx Savings Solutions
MCC offers all medical plan participants Rx Savings Solutions to (RxSS) to help you and others on your health plan easily find the lowest-price options for prescription drugs. This service is linked to your health plan, so everything is personalized for your medications and insurance.
How it Works
- Rx Savings Solutions uses software that matches your medications to options that cost less under your insurance plan.
- Your online account shows what lower-cost prescriptions are available and lets you compare prices. It also automatically lists any medication you’ve filled so it’s all in one place.
- Rx Savings Solutions will contact you when you’re spending too much on prescriptions you’re currently taking or new ones you’re prescribed in the future.
- Switching to a more affordable prescription is easy. Rx Savings Solutions will consult with your doctor to get their approval on any changes and take care of all the other details.
Visit myrxss.com/faq to learn more and find answers to frequently asked questions.
Your account is ready to be activated at myrxss.com—or by calling 1-800-268-4476.
Livongo Chronic Care Management
The CCM(+) program combines our existing Diabetes and Hypertension Management Programs with the Livongo Diabetes Prevention program.
- Flyer: Live healthier at no cost to you
- Registration Guide: Set up your account. It’s easier than you think.
Auto Insurance Reform
Payer Transparency Files
Beginning July 1, 2022, the MCC group health plan, along with most other group health plans and insurance issuers, are required under the Federal Government’s Transparency in Coverage rule to publish provider-specific reimbursement rates in machine-readable files.
This mandate is a building block for future customer-facing mandates, including the Price Transparency Tool and the Advanced Explanation of Benefits.
The information contained in these machine-readable files may be difficult to access without certain technology.
These files may be large and require a computer that can download up to 1TB (terabyte) of data. Most modern hard drives can store half this amount. Depending on your computer's memory and hard drive, attempting to open or download large files may cause instabilities or performance issues resulting in downloads that could take hours, days, or weeks depending on the file size and hard drive combination. For reference: 1TB = 243 high-definition streaming movies (average 2 hours per movie).
The data in the files may not be useful for the average consumer. For example, facilities that are paid based on a percent of charge will not have a dollar amount representing the amount paid for a service.
To access a JSON-formatted index of Blue Cross Blue Shield of Michigan’s machine-readable files, you will need to copy and paste the URL below into your browser. The machine-readable files will be updated monthly to ensure accuracy of the data and reflect changes in pricing and regulatory requirements.