BlueCard Out-of-State is a Preferred Provider Organization (PPO), which gives you the flexibility to manage your own care. Coverage for this plan is similar to the Blue Care Network (BCN) plan but allows individuals that live outside the state of Michigan to enroll. Deductibles, coinsurance, and prior authorization may apply.

Highlights of the plan:

• Premium is higher than BCN but lower than Community Blue and intended to be a more affordable option for those living outside the state of Michigan.
• Plan is similar to BCN but allows for primary care services to be received outside the state of Michigan.
• Does not require you to choose a primary care physician.

You may view the Health Plan Coverage Comparison for more information.

2026 Plan Year: The in-network deductible is $175/individual and $350/family. The out-of-network deductible is $500/individual or $1,000/family. After meeting the deductible, a 20% coinsurance may apply up to the out-of-pocket maximum. The out-of-pocket maximum is $3,000/individual or $6,000/family. You may view the Health Plan Coverage Comparison for more information.

2027 Plan Year: Updates, if any, will be available this fall.

You are automatically enrolled in prescription coverage through CVS Caremark when you enroll in the BCN plan. 

Visit the Blue Cross Blue Shield webpage or call 800-662-6667 to ask questions or find a provider.

Annual Year Appointment Definition: A full year assignment of duties and responsibilities, including periods of annual leave and paid holidays.

Academic Year Appointment Definition: A full 12-month period with a nine-month assignment of duties and responsibilities.

The following monthly premiums are to add a sponsored dependent to your health plan. This premium is in addition to employee premiums. A sponsored dependent must be related to you by blood, marriage, or legal adoption, a member of your household, and dependent on you for more than half of their support. The dependent must meet the IRS dependency test.

The following monthly premiums are to add a non-adopted grandchild, niece, nephew, or ward through legal guardianship (age 23 to 25) to your health plan. This premium is in addition to employee premiums. The dependent must meet the IRS dependency test.