HEALTH & DENTAL INSURANCE INFORMATION

In survey after survey, our members expressed concerns that the high cost of health insurance is the greatest threat to their profitability and looked to the association for assistance. As a member, you have the opportunity to purchase health and/or dental insurance for you, your family and your staff. In our partnership with Association Benefits, you can request a complete market analysis of available carriers that offer comprehensive PPO, HMO, POS and wellness programs including the latest cost containment strategies such as HSA’s, FSA’s and HRA’s. You also have access to our stand-alone Delta Dental programs. All services are provided by experienced insurance professionals.

Click here to download a side by side comparison of the various plans offered. You can also download more detailed information on the available coverage options below:

BCBSM Coverage - Options 1, 3 & 4
BCBSM Coverage - Option 5
BCBSM Coverage - Option 6
BCBSM Coverage - Option 7
BCBSM H.S.A. Flexible Blue

Group Healthcare Coverage
If you have two or more full time employees, you may be eligible for group healthcare coverage. Please complete the "Request for Group Quote" form and fax it to LaTesha Richardson at 517-347-1566.

Medicare Supplemental Insurance
MOA is happy to offer a supplemental medical insurance program for Medicare beneficiaries. If you are currently enrolled or plan to enroll in Medicare, please be sure to view our Medicare Supplemental insurance plans. Contact LaTesha Richardson at 800-657-1556 for more information.

Medicare Plus BlueSM

New to MOA Insurance Options - MyBlue®
MyBlue® is individual coverage direct with BCBSM for individuals and families in all stages of life! Whether you are single, a recent college graduate, self-employed or just starting a family, BCBSM has a plan to meet your needs and budget. Click here for more information or contact Julie Watson at Association Benefits at 800-782-0712.

Vision Insurance
MOA is proud to bring you a new "stand-alone" vision plan, one which continues to exceed the industry standard for comprehensive vision care programs. As a subscriber, VSP members are provided with access to VSP’s unrivaled network of private practice optometrists and ophthalmologists. And VSP’s unparalleled member service is guaranteed through their Member Promise. Contact LaTesha Richardson at 800-657-1556 for more information.

If you are looking for a full-service plan providing choice, flexibility and maximum value, MOA's VSP Plan will meet your needs. For benefits, click here or for pricing and an enrollment form click here. You'll want to hurry. Open enrollment ends on June 1, 2008 and will not be available again for another year.

Dental Insurance
For your convenience, MOA also offers two Delta Dental plans; Preferred and Premier. Download the Delta Dental Plan Brochure for more detailed information. For pricing on these plans, download our 2008 price sheet or enrollment form or contact LaTesha Richardson at 800-657-1556.

Commonly Requested Forms and Information

Individual Forms Group Forms
Individual Direct Billed Enrollment
Individual Change of Status Form
Delta Dental Enrollment Form
Vision Enrollment Form
MyBlue 		Group Enrollment Form
Group Change of Status Form
Delta Dental Enrollment Form
Request a Quote For Group Medical Insurance
   
Miscellaneous Medical Forms  
Master Medical Reimbursement Form
Mail Order Prescription Drug Program		  

FAQ's

Question: Does my MOA-sponsored BCBSM health insurance policy cover me when I travel outside of the U.S.?
Answer: Yes, as long as the treating physician is licensed and the hospital is accredited. You will probably be required to pay when services are rendered. It is important to keep your receipts and send them to BCBSM along with a Subscriber Application for Payment form. BCBSM will reimburse you at the rate of exchange on the day services were performed.

Question: Will BCBSM automatically add my newborn to my policy?
Answer: No. You must notify the MOA Insurance Administrator in writing within 30 days of the birth of your child. You can do so by completing a Subscriber Enrollment/Change of Status form.

Question: In the event of my death can my spouse continue to be insured with MOA- sponsored BCBSM health insurance?
Answer: Yes, MOA offers Surviving Spouse coverage. Your spouse can continue to be insured as long as he or she doesn’t remarry or move out of the State of Michigan.

Question: What is the difference between an individual health insurance policy and a group policy?
Answer: An individual policy covers you and your family. We have several plans available, including BCBSM Traditional and Community Blue. Some plans offer prescription drug and vision coverage. If you are looking for coverage for you and your office staff, we also offer group coverage. To see if you qualify for group benefits, please contact Julie Watson at 248-359-6489 ext 167.

Question: I have an individual policy and I may be moving to another area in the state. Will my BCBSM rate change?
Answer: It may, because your premium is based on the area in which you live as well as your age. Your premium may stay the same, decrease or possibly increase. It is important to let us know in writing within 30 days of a change of address. You can do so by completing a Subscriber Enrollment/Change of Status form. We will notify you if there is any change in premium.