Plans and networks

It’s important to understand the difference between the types of plans and what benefits each offer.

• HMO: Coordinated care through a primary care physician
• EPO: Flexibility to seek services throughout Michigan
• PPO: Flexibility to seek services throughout Michigan as well as national coverage

*There are HMO and HMO-HSA Choice plans available to businesses in Genesee, Wayne, Oakland, and Macomb counties. Excluding the following zip codes in Oakland County: 48346, 48348, 48350, 48353, 48356, 48357, 48359, 48360, 48362, 48367, 48370, 48371, 48428, 48430, 48439, 48442, 48455, 48462.

Consumer Driven Health Plans give you economic buying and decision-making power. These plans encourage members to use their health care benefits wisely, while giving them the freedom to decide where to allocate their dollars.

We are sensitive to your business’s needs and the health care needs of your employees. We consider industry, location and business culture to deliver the best CDHP options, products and services.

*All qualified medical expenses as defined in Section 213(d) of the Internal Revenue Code.

**After age 65, employees may withdraw funds for any reason with no penalty. Although if not used for qualified medical expenses, withdrawals will be taxed as income.

Our HMO service area includes 19 Michigan counties:

If you need emergency or urgent care while traveling outside of our service area, don't worry! You're covered anywhere in the world.

Search our HMO network.

*For plans effective 1/1/18, pending state approval.

We provide in-network options across the state to PPO and EPO members. Additionally, PPO members have access to CIGNA or other affiliated national networks when traveling or living outside of the state.

Search our EPO network.

Search our PPO network.

We offer two Choice networks in four southeast Michigan counties:

• Henry Ford Choice network: Macomb, Oakland and Wayne counties
• Genesys Choice network: Genesee County

Choice network doctors, specialists and facilities work together to coordinate care – leading to lower premiums for your employees. From same-day care choices and online services to convenient hours, we make it easy for employees to get the care they need.

Learn more.