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OneBlueSM

Personal health insurance in Michigan

Affordable and reliable individual health care

OneBlue is a HMO individual product that is medically underwritten through Blue Care Network.


What is Medical Underwriting?
BCN individually underwrites each applicant based on their health history and current health status. The health history provided at the time of application will be used to help make this assessment. Additional information regarding the applicant's health history may also be required in order to make a final decision regarding eligibility for the BCN coverage.


What is a pre-existing condition?
A pre-existing condition is a sickness or bodily injury for which medical advice, diagnosis, care or treatment was recommended or received within the six-month period prior to the covered person’s effective date of coverage. Benefits for pre-existing conditions are not payable until the covered person’s coverage has been in force for six consecutive months.



Eligibility Individuals, married couples and families under 65 years of age. This product is subject to medical underwriting.
Monthly rate Starting at $105.44 and up
Copayment
Fixed dollar copay$5 for allergy injections, $30 office visits, $35 for urgent care visits, $100 for emergency room visits
Percent copay20%, 25% or 50% for specific services
Deductible $500 individual
$1,000 family
Annual maximums
Fixed dollar copayNone
Percent dollar copay for medical services; excludes services with a 50% copay$5,000 per individual contract per calendar year. $10,000 per family contract (two or more members) per calendar year
Percent dollar copay – inpatient mental health care$1,000 per individual contract. $2,000 per family contract (two or more members).
Prescriptions Yes
Dental Optional – Personal Blue DentalSM and Personal Blue Dental PlusSM
Network HMO

The MyBlue suite of health insurance products offers OneBlue – an innovative medical plan with preventive benefits that are easy on your wallet.

Self-employed? Facing a layoff? Considering early retirement? Coming out of an employer-sponsored health plan? The most important thing you can do is keep your health in check.

Let the Blues make your decision about health care coverage an easy one.

OneBlue offers:

  • Reliability
  • Preventive benefits
  • Large provider network
  • Excellent accreditation
  • Significant member discounts
  • Innovative Web resources
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