Bluecard Out-of-State

MSU benefits-eligible employees that live outside the state of Michigan but within the U.S. are eligible to enroll in the BlueCard Out-of-State health care plan.

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, co-insurance, and prior authorization requirements apply in some circumstances.

The 2026 plan year, in-network deductible is $175 per individual and $350 for the family, per calendar year. After meeting the deductible, a 20% co-insurance may apply, up to a maximum out-of-pocket cost of $3,000 individually or $6,000 for the family, per calendar year.

The 2026 plan year, out-of-network deductible is $500 per individual and $1,000 for the family, per calendar year. A majority of the services are subject to a 20% co-insurance after meeting the deductible, up to a maximum out-of-pocket cost of $3,000 individually or $6,000 for the family, per calendar year.   

Highlights of the BlueCard Plan include:

• 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 (PCP).

Questions? For questions about specific coverage details or to find a provider visit the Blue Cross Blue Shield website or call 888-288-1726.