UAW-Represented Caregivers:
Health Benefit Plan Comparison
| University of Michigan Health Plan (UM Health Plan) PPO Plus plan overview |
University of Michigan Health Plan (UM Health Plan) PPO Base plan overview |
University of Michigan Health Plan (UM Health Plan) HSA plan overview |
Blue Cross Blue Shield (BCBS) plan overview |
|
|---|---|---|---|---|
| Monthly Premium (payroll deduction) | High | Middle of the road | Low | High |
| Annual Deductible | Lower | Middle of the road | High | Lower |
| Copays | Lower | Higher | None after deductible met | Lower |
| Out-of-Pocket Maximum | Higher | Middle of the Road | Middle of the Road | Lower |
| Network Coverage Area | UM Health Network (with out-of-network coverage available at higher cost) | UM Health Network (with out-of-network coverage available at higher cost) | UM Health Network (with out-of-network coverage available at higher cost) | UM Health or BCBS Network |
| Rx Coverage |
Three-tier copays |
Four-tier coverage Prescriptions can be purchased at any Express Scripts/ESI network pharmacy, including UM Health-Sparrow, with no difference in copays |
Four-tier coverage with copay after deductible Prescriptions can be purchased at any Express Scripts/ESI network pharmacy, including UM Health-Sparrow, with no difference in copays |
Co-share, not Copays Prescriptions can be filled at any BCBS participating pharmacy |
| Good for Caregivers Who… | Want to pay more in premium and less out of pocket | Want to pay for medical care only when they need it |
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
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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.