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Whether foreseen or unforeseen, a career transition brings can reveal hidden opportunities. But until your better future arrives, you'll need to make one decision today — how to handle your health care.
BCBSM nongroup coverage requires a 180-day preexisting exclusion period. If you had a medical condition for which medical advice, care or treatment was recommended or received 180 days before the enrollment date, any services to treat that condition within the first 180 days after enrollment will not be paid by BCBSM. You will be responsible for paying for those services.
Are there any exceptions to BCBSM's preexisting exclusion?
You may be eligible to receive credit for prior health coverage if you meet all of the following criteria:
The member will not have to meet the 180-day preexisting exclusion period if he or she:
If you experience a buyout situation and do not elect to take COBRA, you can enroll in any of the MyBlue options. The preexisting condition period will apply.
You can switch to a MyBlue product option that best fits your needs and budget at any time. The preexisting condition period will apply.
Based on our historical claims experience, our MyBlue products are rated differently.
For individuals and families transferring from a BCBSM-qualified, employer-sponsored group health plan, coverage will be effective on the beginning date of the first billing cycle following the expected termination date of the employer's coverage. There are two different schedules:
Individual applications submitted online may be effective the first cycle date available following 14 days from the receipt of a completed and approved application. All other applicants will be effective with the first cycle date 30 days following receipt of a completed and approved application.
Coverage is effective as of your effective date, which is approximately 14 days after BCBSM receives the application for coverage. However, benefits will not be paid unless payment has been received by BCBSM. For example, if your effective date is April 1, covered services will be paid as of that date. However, no ID card will be generated and should no premium payment be received by BCBSM, all claims will be your responsibility.
No. The money put toward your current employer's plan deductible will not transfer over to the new individual plan when you enroll in a MyBlue product option.
If you apply online: You may choose to pay your first two months' premium with a credit card during the enrollment process. For ongoing payments, you may also choose automatic bank withdrawal. You may also select to be billed at a later date.
If you apply by mail: Once approved for coverage, you will be billed for the premium amount due.
We have three dental products available for individuals.
Personal Blue Dental covers preventive, basic restorative and major restorative services. Members select a dentist from our PPO network. This plan gives members:
Personal Blue Dental Plus covers preventive, basic restorative and major restorative services. Members have the freedom to choose any dentist. Other valued added benefits are:
Flexible Blue Dental can be purchased with Flexible Blue medical and/or Individual Care Blue Plus medical. It is a comprehensive dental product
that covers preventive and restorative services. The other value-added benefits are:
It's easy. Search our network. You can also call us at 888-MI-BCBSM.
You will need to disenroll from your current individual MyBlue product. You will need to submit a Change of Status Form (PDF) to us. The address information is also located on the form.
If your employer contributes toward an individual's health policy, then you are not eligible for a MyBlue individual health care product.
Affinity Rx is our free prescription drug discount program. Eligible members simply present their ID card to receive discounts on prescription drugs.
There is not a standard discount through the Affinity Rx program, but you can use our pricing calculator to help estimate your savings.
Once the two office visit benefit has been exhausted and the deductible has been met, you are responsible for any additional office visits.