Benefits Plans - Medical Insurance: Plan Summary - GradCare Medical Plan
GradCare is administered by BCN Service Company and is available only to U-M graduate students and their eligible dependents.
Level 1
When on campus, see your primary care physician (PCP) for care or referral to a specialist.
Level 2
When on off-site academic study or other field placement registered with BCN, visit any non-network doctor for medically necessary care (obtain prior authorization from BCN). Before you leave, complete the Off-Site Registration form and return it to BCN.
Level 3
When traveling or on school break, obtain medically necessary medical care from any non-network provider (obtain prior authorization from BCN). Your out-of-pocket expenses for Level 3 are higher than Levels 1 and 2.
For All Levels
In a life-threatening emergency, visit any hospital and notify BCN as soon as possible, preferably within 48 hours. Elective hospitalizations and substance abuse care are not covered unless provided by GradCare network providers or approved by BCN in view of special circumstances.
Criteria
| Designed
Specifically for Graduate Students Three levels of coverage, based on your work status |
||
|---|---|---|
If You |
You Must | To Receive |
| Live and work in the GradCare service area | Coordinate all your care through your Primary Care Physician Receive care from a GradCare provider |
The highest benefit levels, with low out-of-pocket expenses |
| Work on a department-approved appointment outside the GradCare service area | Have your care pre-authorized by BCN to be covered | The highest benefit levels, with low out-of-pocket expenses |
| Are outside the GradCare service area during nonworking periods | Have your care pre-authorized by BCN to be covered Pay the difference between BCN-approved fees and the actual charge |
The highest benefit levels, with higher out-of-pocket expenses |
Continuation of Insurance for Non-employed GradCare Members
Continuation of medical insurance is available to non-employed GradCare members who are no longer eligible for coverage through the University of Michigan. You may continue coverage for yourself and your eligible dependents through the OneBlue plan, administered by Blue Care Service Company of BCN. Pre-existing condition clauses are waived for any GradCare members selecting a Blues product, as long as the enrollment occurs within the later of 30 days of your GradCare coverage end date or the date of notification.
Information about OneBlue can be found on BCN’s Web site at: http://www.mibcn.com/needcoverage/options/oneBlue/index.shtml.
Monthly premiums are per member, per month, and are based on the enrollee’s age, gender and smoking status. Current rates can be found at: http://www.mibcn.com/needcoverage/options/oneBlue/calculatePremium.shtml.
If you need additional information or wish to enroll in OneBlue, contact BCN at 800-222-5992, Monday through Friday, 8 a.m. to 5:30 p.m. (TTY for the hearing impaired 800-257-9980).
The University of Michigan in its sole discretion may modify, amend, or terminate the benefits provided with respect to any individual receiving benefits, including active employees, retirees, and their dependents. Although the university has elected to provide these benefits this year, no individual has a vested right to any of the benefits provided. Nothing in these materials gives any individual the right to continued benefits beyond the time the university modifies, amends, or terminates the benefit. Anyone seeking or accepting any of the benefits provided will be deemed to have accepted the terms of the benefits programs and the university's right to modify, amend or terminate them.