When your credit union is a member of the Michigan Credit Union League, credit union groups with two (2) or more eligible employees may offer BCN as a replacement to their current carrier or as an alternative/optional health care provider.
Groups with ten (10) or more eligible employees may offer a "double option" to employees -- traditional and HMO plans. Groups with twenty-five (25) or more eligible employees may offer a "triple option" -- Traditional, PPO, and HMO plans.
Your plan includes account administration and billing services from The CUCare Group® at no additional cost. We do all of the work, you get all of the credit. In addition, these coverage plans can include:
- Low- and no-deductible options
- Variety of co-payment options
- Preventative services
- Prescription drugs
- Mail-order drug services
- Nationwide/Out-of-country services
- Discounts on acupuncture and herbal remedies
- 24-hour health care hotline
- Discounts on safety equipment and child protection devices
- Retiree benefits (to qualified groups)
For more information about CUCare®'s health plans, contact your Business Consultant at 800-262-6285, ext. 583 or contact us online.
PPO
The Preferred Provider Organization (PPO) is a network of over 12,000 providers (physicians, hospitals, labs) throughout Michigan who have agreed to a pre-set schedule of fees for services. Under this cost-containment plan called Community Blue, the benefits are high and the premiums are quite reasonable. With Community Blue PPO, most all services are covered in full by "network" providers without a deductible or co-payment. A fixed co-payment is assigned to only office visits ($10 per visit), emergency room services ($50 per visit), and prescription drugs $3, 5, 10, or 20 per script (if a drug rider is added).
If a "non-network" provider is chosen, then health care services are covered after meeting an annual deductible and with a 20% co-payment. These co-payments are capped at $2000 per person for non-network provider services. Coverage for non-network providers with these deductibles and copayments preserve the patient's freedom of choice to choose the doctors of his/her choice without a referral.
Unlike other plans, Community Blue covers preventative care (an annual physicals, pap test, PSA, and blood tests) at no additional cost. In fact, Community Blue is so comprehensive, there are no riders to add, except for prescription drugs.
Community Blue offers several option plans, each designed to meet the needs of your credit union's and employees' health care goals. To view specific PPO options, click here.
HMO
A Health Maintenance Organization (HMO) is a health care system made up of physicals and other health care professionals who contract to provide medical services to members (patients) for a prepaid fee. An HMO not only covers a member who is ill or injured, but also emphasizes preventative services and early detection of diseases by covering services like routine physical examinations, well baby care and immunizations. This commitment to promoting health and prevention distinguishes HMOs from traditional health care programs.
BCN is a managed-care system designed to deliver health care efficiently and cost effectively. To perform these services at an optimum level, members are required to choose a participating Primary Care Physician (PCP) to manage all facets of their care. The PCP will deliver routine care according to his/her specialty. Should the member require medical services outside of the PCP's general practice, then the PCP will refer that member to a participating specialist. To view specific HMO options, click here.
Dental Options
DenteMax is a network of more than 70,829 dentist access points nationwide. Total Benefit Savings depend on the level of in-network utilization – the higher the utilization the more savings for the plan and the plan user. To view specific Dental Plan options, click here.
Vision Options
VSP has a range of flexible eyecare plans that suit the needs of all client sizes. The plans include an unlimited selection of eyewear and services, and the largest network of private practice eye doctors, in professional, retail and community settings. There are two plan options, the first covering yearly exams and eyewear purchases, the second covering bi-yearly examinations and eyewear purchases. To view specific Vision plan options, click here.
