Life Events - Moving Out of a Managed Care Service Area
Normally, you cannot change your health plan during the plan year (January 1 through December 31). However, if you are covered by a managed care plan and move outside the plan's service area, you can change your health plan.
You can choose the Comprehensive Major Medical Plan (CMM), the BCBSM Community Blue PPO plan, or another managed care plan which does provide services within your area. Review the Health Plan Coverage Comparison chart to find the plan that is right for you. Or, you can enter the zip code for the area where you will be moving into the Health Plan Navigator to see which plans are available to you.
How to Make the Change
If you move and you need to change your coverage, complete the Moving Out of a Managed Care Service Area form and send it to the HRRIS Benefits Transaction Team as instructed on the form. You need to do this within 30 days after the date you move. Your new coverage will become effective the first day of the month after your move. Your next opportunity to make a change will be the next Open Enrollment period.
Dependent Out-of-Area Coverage for U-M Premier Care and GradCare Plans
If you are a U-M Premier Care or GradCare member and your eligible spouse, OQA, or dependent child will be residing at least 50 miles outside of the U-M Premier Care Provider Network 1 area for at least three (3) months, your eligible dependent may register with Blue Care Network (BCN) to receive in-network coverage for services received from a non-contracted provider. Certain services are covered only if they are prior-authorized by BCN, and other limitations or restrictions may apply. For more information on registration procedures and coverage provisions, please call BCN Customer Service at 800-658-8878.
The health plans reserve the right to deny claims and terminate coverage if you live outside the service area for 60 days.
Keep in mind that participating physicians (PCPs) and participating hospitals are always subject to change. Contract renewal dates between managed care plans and PCPs vary, and renewal is at the option of either party. In the event your PCP's affiliation with your medical plan ends midway through the calendar year, you will need to select another PCP within your service area. Before enrolling in a new managed care plan, check the provider directory to make sure it includes a doctor of your choice or check that plan's website for PCP information. You can also call the physician directly to verify participation in a particular plan.