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Medical

Important: The information on this page reflects the 2026 benefits plan year. If you are looking for information about 2027 benefits and Open Enrollment, please visit the 2027 Open Enrollment page.

2027 Open Enrollment

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Find a doctor

With your plan’s network, you have plenty of options for care. But how do you decide where to go?

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Virtual Care by Teladoc Health

Learn how you get FREE access to a Teladoc Visit where you can talk to a doctor or mental health provider virtually 24/7 available to all members!

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Out of Country Claims

Planning a trip outside of the country? Learn more on how you can use your coverage and process claims outside of the US.

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Our Plans

Magna offers you choice and flexibility when it comes to electing medical coverage with our three benefit plan options through Blue Cross Blue Shield of Michigan (BCBSM).

In-Network	Advantage HDHP	Standard PPO	Enhanced PPO
Deductible Employee/Family	$1,700/$3,400	$500/$1,000	$200/$400
Coinsurance	20%	20%	20%
Out-of-Pocket Maximum Employee/Family	$4,000/$8,000 (includes deductibles and coinsurance)	$3,500/$7,000 (includes deductibles, coinsurance and copays)	$2,000/$4,000 (includes deductibles, coinsurance and copays)
PCP Office Visit Copay	20% after deductible	$25	$20
Specialist Office Visit Copay	20% after deductible	$45	$20
Urgent Care Copay	20% after deductible	$50	$20
Emergency Room Copay	20% after deductible	$150 then 20% coinsurance after deductible; copay waived if admitted	$150 then 20% coinsurance after deductible; copay waived if admitted

Information:

Advantage HDHP	Standard PPO	Enhanced PPO
No copay – You pay the full cost for doctor visits and medicine until you reach your deductible. Annual exam and preventive care covered 100%. Some medications are covered prior to meeting deductibles. You have a deductible. If you cover your family, you all work together to meet the family deductible. After deductible is met, you pay coinsurance until you reach your out-of-pocket max—then the plan pays everything. Lowest paycheck cost – You’ll pay less from your paycheck for this plan. A qualified plan that may make you eligible for an HSA Tax-free savings – Save money in your HSA without paying taxes on it. Use your HSA money (from you or Magna) to help pay for care. Learn more Advantage HDHP- Benefits at a glance Advantage HDHP - Summary of benefits and coverage Advantage HDHP- Benefits at a glance (Spanish) Advantage HDHP - Summary of benefits and coverage (Spanish)	Copay when you go to the doctor. You have a deductible. After you meet your deductible, you still pay coinsurance, which means you share the cost with the plan. Standard PPO - Benefits at a glance Standard PPO - Summary of benefits and coverage Standard PPO - Benefits at a glance (Spanish) Standard PPO - Summary of benefits and coverage (Spanish)	Copay when you go to the doctor. You have a deductible. After you meet your deductible, you still pay coinsurance, which means you share the cost with the plan. This plan is a buy-up option, which means you pay more from your paycheck to receive a lower deductible and copay. Enhanced PPO - Benefits at a glance Enhanced PPO - Summary of benefits and coverage Enhanced PPO - Benefits at a glance (Spanish) Enhanced PPO - Summary of benefits and coverage (Spanish)

Advantage HDHP

Standard PPO

Enhanced PPO

No copay – You pay the full cost for doctor visits and medicine until you reach your deductible.

Annual exam and preventive care covered 100%.
Some medications are covered prior to meeting deductibles.

You have a deductible.

If you cover your family, you all work together to meet the family deductible.

After deductible is met, you pay coinsurance until you reach your out-of-pocket max—then the plan pays everything.
Lowest paycheck cost – You’ll pay less from your paycheck for this plan.

A qualified plan that may make you eligible for an HSA

Tax-free savings – Save money in your HSA without paying taxes on it.
Use your HSA money (from you or Magna) to help pay for care.

Learn more

Advantage HDHP- Benefits at a glance
Advantage HDHP - Summary of benefits and coverage
Advantage HDHP- Benefits at a glance (Spanish)
Advantage HDHP - Summary of benefits and coverage (Spanish)

Copay when you go to the doctor.
You have a deductible.
After you meet your deductible, you still pay coinsurance, which means you share the cost with the plan.

Standard PPO - Benefits at a glance
Standard PPO - Summary of benefits and coverage
Standard PPO - Benefits at a glance (Spanish)
Standard PPO - Summary of benefits and coverage (Spanish)

Copay when you go to the doctor.
You have a deductible.
After you meet your deductible, you still pay coinsurance, which means you share the cost with the plan.
This plan is a buy-up option, which means you pay more from your paycheck to receive a lower deductible and copay.

Enhanced PPO - Benefits at a glance
Enhanced PPO - Summary of benefits and coverage
Enhanced PPO - Benefits at a glance (Spanish)
Enhanced PPO - Summary of benefits and coverage (Spanish)