Health Insurance | Human Resources

Employees will now use Employee Navigator to make updates or changes to their benefits.

HuskyCare Health Plans

Michigan Tech offers three medical insurance plans, administered by Blue Cross Blue Shield of Michigan (BCBSM) to benefits eligible employees: HuskyCare PPO and two HuskyCare High Deductible Health Plans (HDHP). New benefits eligible employees select their choices during Human Resource's New Employee Orientation. Each November, current employees can modify their selections during the open enrollment period. The benefit plan year is January 1 through December 31.

Health Plan Documents

Employees can access plan documents and information via the Benefits Guide or Employee Navigator.

Pharmacy Information

BlueCrossBlueShield of MI has replaced Express Scripts Insurance effective 01/01/2026. New Pharmacy Cards were mailed to enrolled employees during the month of December. Your pharmacy ID has changed to match your medical ID. Since your pharmacy ID is changing, you’ll need to show your new Blue Cross ID card at your pharmacy when you fill your next prescription starting January 1. You can also download the BCBSM mobile app to show your virtual ID card at the pharmacy starting January 1.

Although your member ID will remain the same, your Blue Cross member card mailed in December of 2025 should reflect changes to your BIN and Rx Group

BIN: 610011
RXGRP: BCBSMAN

Starting January 1, your prescription drug plan will cover drugs on the Clinical Drug List. To view the Clinical Drug List, click here.

Optum Home Delivery Pharmacy

Through your prescription drug plan, you can get up to a three-month supply of most prescription drugs delivered right to your door. You’ll typically pay less by getting up to a three-month supply. Home delivery is easy, safe and convenient.

When you use our home delivery service, you can count on:

Free standard shipping, in a plain weather resistant pouch
Convenient deliveries to your home or office
A registered pharmacist available to answer questions 24 hours a day, seven days a week
Refill orders placed at your convenience, by telephone or online

There are three ways to transition to a three-month supply and avoid paying more:

Visit bcbsm.com and log in to your secure member account. Click My Coverage, then Prescription, then Order online.
Log in to our Blue Cross Blue Shield of Michigan mobile app and tap My Coverage, then Prescription, then Mail Order.
Call the Optum Home Delivery pharmacy; they’ll contact your doctor to get your new three-month supply prescription.
Blue Cross Blue Shield of Michigan members, call 1-855-811-2223. TTY 711.

If your mail order drug prescription still had refills remaining, Blue Cross will be transferring these to the Optum Home Delivery pharmacy on your behalf. To ensure there are no gaps in care, contact the Optum Home Delivery pharmacy at least seven to ten business days before your first fill.

What If Things Change During The Year?

You can't change your coverage during the plan year unless you have a qualified family status change. If you do have a qualified family status change, you may add or remove dependents to existing enrolled coverage plans. You may elect new coverage plans only if your change is related to the loss of insurance coverage and you are not already enrolled in a plan with us. To make changes due to a qualified family status change, you must submit notification via Employee Navigator within 30 days of the qualified family status change event. Supporting documentation must be sent to Benefit Services. When adding a dependent, documentation will be required.

Required Documentation for Dependents

Qualified family status events include, but are not limited to:

Marriage or divorce
Birth or legal adoption of a child
Legal guardianship
Child turns age 26
Death of your spouse or a dependent child
Loss/gain of insurance coverage by your spouse's employer

Failure to notify the Benefits Office within 30 days of any family status change may result in the following:

You will be held responsible for any claims paid for an ineligible dependent
Premiums paid for an ineligible depended will not be refunded

New Services for 2025

First Stop Health

Eligible employees can now utilize this virtual primary, urgent and mental care from the comfort of home. There is no cost for employees enrolled in Michigan Tech's PPO plan; those enrolled in one of the HDHP plans will pay a fee until their deductible is met.

For more information, please visit the First Stop Health Website.

Auto Insurance

Changes to the Public Acts 21 and 22 of 2019 reform Michigan’s automobile no-fault insurance law will be effective July 1, 2020. Michigan Tech's health insurance is primary for auto accidents. All three of our insurance plans (PPO, HDHP1 and HDHP2) comply with the new laws and qualify as a qualified health coverage.

Please read the BCBSM FAQ for Auto Insurance regarding the change to the Michigan no-fault insurance law. Michigan Tech is self-funded. The FAQs related to self-funded is what pertains to Michigan Tech.

COBRA

The Consolidated Omnibus Reconciliation Act (COBRA) is a law that allows eligible former employees the option to continue health insurance coverage under their previous group plan at the termination of employment. Former employees who elect COBRA coverage assume the full responsibility for the cost of the premiums. For more information on COBRA see the COBRA Continuation Coverage Election Notice or contact the Benefits Office.

Designated Eligible Individual (DEI) Program

Michigan Tech offers a competitive benefit package to its employees in order to recruit and retain the very best faculty and staff. In 2008, we implemented the Designated Eligible Individual (DEI) program to expand health benefits to individuals for whom coverage may not traditionally have been available.

To learn more about the DEI program criteria and to enroll, please download the DEI enrollment form. To view the current costs and taxes associated with this program, please view the DEI costs and taxes chart.

The DEI enrollment form must be completed during the benefits open enrollment period each fall or no more than 30 days after the above criteria are met.

Medical Information

What to do if a claim is denied:

If your medical claim was not paid, in whole or in part, your explanation of benefits statement will indicate the reason for nonpayment. You can get more information on how to file an appeal on the Blue Cross Blue Shield of Michigan website found here or call Customer Service at the number on the back of your ID Card.

Massage Therapy Claims

Michigan Tech’s health insurance covers massage therapy when prescribed by a physician. The prescription must state the number of sessions prescribed and the diagnosis. Services must be by an independent, licensed massage therapist who is not practicing with, or in business with the physician prescribing the massage therapy. Massage therapy is covered under the Outpatient Short-Term Rehabilitation umbrella which includes a combined 60 visit maximum per year.

For claim questions please contact BCBSM at 877-760-8575.

International Coverage

If you are traveling abroad, your healthcare benefits go with you. Use these helpful links to learn more about the BlueCard Worldwide Program before you travel.

BlueCross BlueShield Global Core Flyer

BCBS Reported Cost of Services

Please read all disclaimers below from BCBS before attempting to download the files:

The information contained in this Machine-Readable File may be difficult to access without certain technology.
These files may be large and require a computer that can download at least up to 1TB (terabyte) of data. Most modern hard drives store half of this amount of data. Based on your computer's storage and hard drive, attempting to open or download large files may cause instabilities in Windows, cause performance issues resulting in downloads that could take hours, days or weeks depending on the file size and hard drive combination. For reference: 1TB = 243 high-definition streaming movies (average 2 hours per movie).
This mandate is a building block for future customer-facing mandates, including the Price Transparency Tool and the Advanced Explanation of Benefits.
The data in the files may not be useful for the average consumer. For example, facilities that are paid based on a percent of charge will not have a dollar amount representing the amount paid for a service.

BCBS Cost of Services Reports