Medicare Coverage At University Of Michigan Hospital

The University of Michigan Health System accepts most insurance plans, including Medicare. They have network agreements with many health insurance companies to ensure that patients have peace of mind that their care will be covered by their health insurance plan. The University of Michigan offers a choice of health plans as part of a high-quality benefits package, including Medicare Advantage Plans for benefit-eligible retirees and survivors. The University of Michigan Sparrow also accepts a long list of insurance providers.

The University of Michigan Health System accepts most insurance plans

The University of Michigan offers a choice of health plans as part of a high-quality benefits package. Eligible employees and retirees can select from plans such as Michigan Care (eligibility is limited to those who live in the service area) and GradCare, which is offered only to benefits-eligible graduate students. Medicare Advantage Plans are offered to benefit-eligible retirees and survivors.

The University of Michigan Health System has network agreements with many health insurance companies. To verify if your insurance plan is accepted for services across the health system, you can review the list of in-network plans. This list includes insurance plans that the University of Michigan Health System participates with based on medical benefits. For behavioural health benefits, you should contact your plan directly, as they may be administered by a different company.

The University of Michigan Health System accepts a long list of insurance providers across UM Health-Sparrow. It also offers M-Support (charity care or financial assistance) for certain patients who do not have insurance or who require additional support.

Medicare Advantage Plans are offered to benefit-eligible retirees and survivors

The University of Michigan Health System accepts most insurance plans, including various managed care plans. The University of Michigan also offers a choice of health plans as part of a high-quality benefits package. Medicare Advantage Plans are offered to benefit-eligible retirees and survivors.

Medicare Advantage Plans are private health insurance plans paid by the federal government to provide Medicare-covered benefits as an alternative to "traditional" or "original" Medicare. They are an integral part of the Medicare program, offering beneficiaries a multitude of options and additional benefits. For example, Medicare Advantage Plans must cover all services covered by traditional Medicare under Part A (hospital services, some home health, hospice care, skilled nursing care) and Part B (physician services, durable medical equipment, outpatient drugs, mental health, and ambulance services).

The vast majority of plans also cover Part D prescription drug benefits and additional benefits such as eyeglasses, hearing aids, and some coverage of dental care. In 2020, the government began allowing Medicare Advantage plans to include a wide range of telehealth benefits as basic benefits. Some plans also cover fitness club memberships, caregiver support, meal delivery, or acupuncture.

Medicare Advantage Plans are available to everyone with Medicare in a state, or only in certain counties, depending on the insurance company. People with traditional Medicare have access to any doctor or hospital that accepts Medicare anywhere in the United States. In contrast, Medicare Advantage enrollees can access providers only through more limited provider networks. All Medicare Advantage plans are required to have such networks for doctors, hospitals, and other providers.

Before choosing a health plan, it is important to consider all the costs involved (including premiums and out-of-pocket expenses), access to doctors and hospitals, and your anticipated health and financial needs.

The University of Michigan offers a choice of health plans

Michigan Care

This plan is available to eligible employees and retirees, but access is limited to those who live in the service area of southeast Michigan. Michigan Care provides enhanced coordination between providers to improve service, quality, and clinical outcomes for plan members. Members have access to Michigan Medicine healthcare providers as well as other high-quality network providers in the region. Enrollments into the Michigan Care plan will cease as of June 1, 2025, and the plan will be discontinued after December 31, 2025.

GradCare

GradCare is offered exclusively to benefits-eligible graduate students, including Graduate Student Instructors (GSIs), Graduate Student Staff Assistants (GSSAs), Graduate Student Research Assistants (GSRAs), benefit-eligible fellowship holders, and medical school students.

Medicare Advantage Plans

Medicare Advantage Plans are available to benefit-eligible retirees and survivors.

Domestic Student Health Insurance Plan

Students who are not eligible for GradCare may be able to enroll in the domestic student health insurance plan.

Travel Abroad Health Insurance

Faculty and staff traveling on international university-related business are automatically covered at no cost by travel abroad health insurance.

The University of Michigan Health System accepts most insurance plans, including various managed care plans. It is recommended that patients verify their insurance plan is accepted before scheduling a hospital or clinic visit. The University of Michigan Health System also offers financial support through the MSupport program for those who are uninsured or have limited benefits.

The University of Michigan Health System supports medically necessary healthcare for all

The University of Michigan Health System's policy is to support medically necessary healthcare for all people, regardless of their ability to pay. MSupport is a financial support program that may assist those who are uninsured or have limited or exhausted benefits. Similarly, M-Support (charity care or financial assistance) is available for certain patients, including those who are not covered by the Affordable Care Act. All U-M health plans cover medically necessary gender-affirming services for members with gender dysphoria, following the health plan's medical policy, which incorporates standards of care defined by the World Professional Association for Transgender Health (WPATH).

The University of Michigan Health System has network agreements with many health insurance companies to ensure that patients have peace of mind that their care is covered by their health insurance plan. To verify if a particular insurance plan is accepted, patients can review the list of in-network plans on the University of Michigan Health website. It is recommended that patients check with their health plan to determine their healthcare coverage before scheduling a hospital or clinic visit.

The University of Michigan Sparrow also accepts a long list of insurance providers. Patients can consult the University of Michigan Health Sparrow website to determine if their insurance plan is accepted. Additionally, faculty and staff traveling on international university-related business are automatically covered at no cost by travel abroad health insurance.

The University of Michigan Sparrow accepts a long list of insurance providers

The University of Michigan Health System accepts most insurance plans, including various managed care plans. The University of Michigan Sparrow accepts a long list of insurance providers across Sparrow Health System and UM Health-Sparrow.

The University of Michigan Health System's policy supports medically necessary health care for all people, regardless of their ability to pay. The University of Michigan offers a choice of health plans as part of a high-quality benefits package. Eligible employees and retirees can select from the following: Michigan Care (eligibility is limited to those who live in the service area), GradCare (for benefits-eligible graduate students only), and Medicare Advantage Plans (for benefit-eligible retirees and survivors).

Prescription drug coverage is included when enrolled in any U-M plan. For Blue Cross Blue Shield of Michigan, the information is related to Medicare Plus Blue Group PPO. For Blue Care Network, the information is related to Blue Care Network Advantage. Before choosing a plan, consider all the costs involved (including premiums and out-of-pocket expenses like deductibles, coinsurance, and copays), access to doctors and hospitals, and your anticipated health and financial needs.

It is recommended that patients check with their health plan to determine their health care coverage at the University of Michigan Health System before scheduling a hospital or clinic visit.

Frequently asked questions