Big I Michigan Health Plan

Health insurance for Your Employees

Big I Michigan has leveraged the strength of our membership to create an attractive health plan solution for members, employees, and their families that is highly competitive and suitable for agencies with 2 or more employees.  With four health insurance options and many ways to customize, why not hand your health benefits administration to Big I Michigan so you can get back to taking care of your clients!  

Download a Quote Form

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Available Plans

The following plans can be customized to fit your needs. Scroll down for a benefit comparison.

Blue Cross Blue Shield SB Gold $2,000

Priority Health $500 Gold HMO

Blue Care Network Platinum Virtual Primary Care $500 0%

Blue Care Network Gold $500 20%

Plan Highlights

  • No employer contribution requirement
  • No restrictions on pre-existing conditions
  • No medical underwriting
  • Competitive rates
  • Top Rated carriers (BCBSM, BCN, Priority Health)

Let's Get Started

Member Benefits Manager Sarah AllenFor more information about these important employment benefits programs, contact Big I Michigan Member Benefits Manager Sarah Allen, sallen@michagent.org, or call her at (517) 327-8033. 

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Medical Benefit Comparison

Click here to download a spreadsheet of this comparison.

Option 1 Option 2 Option 3 Option 4
BCBS Priority Health BCN BCN
SB Gold $2000 $500 Gold HMO Platinum Virtual Primary Care $500 0% Gold $500 20%
12/1/2023 12/1/2023 12/1/2023 12/1/2023
PPO HMO HMO HMO
In-Network In-Network In-Network In-Network
Deductible
Individual $2,000 $500 $500 $500
Family $4,000 $1,000 $1,000 $1,000
Coinsurance
Coinsurance 20% 20% 0% 0%
Individual Max Not Applicable $5,500 Not Applicable $5,000
Family Max Not Applicable $11,000 Not Applicable $10,000
Annual Out of Pocket Max
Individual $7,350 $8,100 $4,000 $9,100
Family $14,700 $16,200 $8,000 $18,200
Physician Office Services
Preventative Care No Charge No Charge No Charge No Charge
Primary Care $30 $25 $0 $30
Specialist $50 $50 $30 $50
Virtual Visit $0 $10 $0 $0
Behavioral Health 20% after deductible $25 $0 $30
Hospital Services
Urgent Care $60 $85 $30 $50
Emergency Room $150 $250 Copay after deductible $150 Copay after deductible $350 Copay after deductible
Inpatient 20% after deductible 20% after deductible 0% after deductible 20% after deductible
Outpatient 20% after deductible 20% after deductible 0% after deductible 20% after deductible
Diagnostic Services
Imaging/CT/PET/MRI 20% after deductible $250 Copay after deductible $150 Copay after deductible $150 Copay after deductible
Labs 20% after deductible $35 No Charge No Charge
X-Rays 20% after deductible3 $70 0% after deductible 20% after deductible
Rehabilitative Care
Chiropractic $30 $40 $30 $50
Speech Therapy 20% after deductible $50 Copay after deductible $30 Copay after deductible $50 Copay after deductible
Occupational and Physical Therapy 20% after deductible $50 Copay after deductible $30 Copay after deductible $50 Copay after deductible
Durable Medical Equipment 20% after deductible 50% after deductible 50% 50%
Prescription Drugs
Generic $20 $5/$35 $6/$25 $15/$40
Preferred Brand $60 $75 $60 $80
Non-Preferred Brand $100 $95 $80 $100
Preferred Specialty 20%/$200 max 20%/$250 max 20%/$200 max 20%/$200 max
Non-Preferred Specialty 25%/$300 max 20%/$450 max 20%/$300 max 20%/$300 max

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For information on Group Life and Group Short and Long Term Disability available through the Independent Agents and Brokers of America, Inc. (Big "I" National), click here.