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Medical

Sign into your BCBSM account to review your plan, claims, find providers in network, find medical resources and articles, and more!

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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)