MNA-Represented Home Care Caregivers:
Health Benefit Plan Comparison

Sparrow Health
PPO
plan overview
Sparrow Health
HSA
plan overview
Blue Cross
Blue Shield (BCBS)
plan overview
Monthly Premium (payroll deduction) High Low High
Annual Deductible None High Lower
Copays Lower None after deductible met Lower
Out-of-Pocket Maximum Higher Higher Lower
Network Coverage Area Sparrow Network (with out-of-network coverage available at higher cost) Sparrow Network (with out-of-network coverage available at higher cost) Sparrow or BCBS Network
Rx Coverage

Prescriptions can be purchased at any Sparrow Pharmacy location

Four-tier coverage after deductible with copay

Prescriptions can be purchased at any CVS/Caremark network pharmacy, including Sparrow, with no difference in copays

Prescriptions can be filled at any BCBS participating pharmacy

Good for Caregivers Who… Can utilize the Sparrow network

Want to pay less for healthcare and who want to control how and where they spend their health care dollars

Who want to save – tax-free – for future health care expenses

Want a wider provider network (outside of the Sparrow Network) 

Who have out-of-state children eligible for coverage

For Information Call:

Total Rewards Hotline

517-364-5333

[email protected]

© Copyright 2021 Sparrow Health System

This is a summary of the benefits provided by each insurance carrier and it is not intended to fully describe the details of each benefit plan. Should any questions arise, the contracts in effect will take precedence.