Health care

At Michigan State University we offer a wide range of health care programs to help meet the needs of our employees. Look through the links on this page to learn more. If you have any questions, please contact MSU Human Resources at 517-353-4434, 800-353-4434 or email SolutionsCenter@hr.msu.edu.

Health Care Plans - MSU Employees

• Blue Care Network (BCN) HMO
• BlueCard Out-of-State PPO
• Cigna Global Health Advantage (CGHA) Plan for Employees 
• Community Blue PPO
• Consumer Driven Health Plan (CDHP) with Health Savings Account (HSA)

Health Care Plans - MSU Retirees

• MSU Medicare Advantage Plan (MAPD)
• MSU Non-Medicare Plan

Medicare Information

• Medicare Advantage Plans
• Medicare Benefits

Forms & Resources

• Affidavit of Dependency
• Benefits Summaries & Brochures
• Loss of Previous Coverage (LOPC)
• Other Eligible Individual (OEI) Information 

Optional Benefits

• Livongo: A diabetes management program to help you feel empowered to take control of your health and save money on necessary medical supplies. Available for all active benefits-eligible employees and their dependent(s) (including those with insurance under the Affordable Care Act (ACA). Please note that employees and/or their dependent(s) enrolled in Medicare are not eligible (a similar program is available through Medicare).
  
  
• Teladoc: An online medical care service that gives you 24/7 access to a health care professional via web, phone or mobile app in minutes. Available to active employees and their dependent(s) that are enrolled in a MSU health plan (including those with insurance under the Affordable Care Act (ACA)).
  
  Note: Retirees covered under the MSU Medicare Advantage Plan (MAPD) with Humana have a similar program available to them. For more information contact Humana Customer Service at 800-273-2509, option #1.
  
  
• Teladoc Medical Experts: Find expert, medical, second opinions and access to coaching and online educational tools. Available for all health plan eligible employees, union employees, pre and post-65 retirees and dependents.
  
  Note: Employees with insurance under the Affordable Care Act (ACA) are not eligible.
  
  
• TruHearing: Some benefit providers offer discounts on hearing aids for retirees and active employees. 

Transparency in Coverage Machine Readable Files

The Transparency in Coverage Rules require most group health plans to disclose pricing information in two separate, public available, machine-readable files (MRFs).

The MRFs contain the following sets of costs for items and services:

1. In-Network Rate File - Rates for all covered items and services between the plan or issuer and in-network providers.
2. Allowed Amount File - Allowed amounts for and billed charges from out-of-network providers.

Members and Employers:

Machine Readable Files / Blue Cross Blue Shield of Michigan (BCBSM) and Blue Care Network (BCN)