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/home/health_care_coverage_options/individualCoverage.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/home/health_care_coverage_options/OneBlueCalculatePremium.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).
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