Insurance Plans

We’re excited to announce a NEW benefit for 2026, and it’s all about helping you move with less pain and more confidence.

Introducing Hinge Health, a virtual physical therapy program available to employees enrolled in the Blue Cross and Blue Shield HDHP, PPO1, PPO2, and Traditional medical plans, at $0 cost to you through Oakland County.

When you sign up, you’ll receive:

• 1-on-1 support from a dedicated physical therapist or health coach
• A personalized care plan designed around your daily activities and busy schedule
• Gentle, guided exercises you can do anytime, anywhere
• Access to virtual physical therapy at no cost and all fees are fully covered

Ready to enroll?

See the Hinge Health enrollment flyer for more information or visit Hinge Health to register.  

Teladoc Health is a Chronic Condition Management and Virtual Care support tool available to Oakland County employees and qualified dependents that are enrolled in Oakland County health plans.  Enrollment in Teladoc Health is optional and Chronic Condition Management is available at no cost for those enrolled in Oakland County health plans.

Chronic Conditions Supported:

• Diabetes Management
• Diabetes Prevention
• Hypertension (High Blood Pressure)
• Weight Management

Virtual Care by Teladoc Health is available through Blue Cross Blue Shield of Michigan and Blue Care Network. Medical visits are available 24/7, anywhere in the U.S., when your primary care provider isn’t available. You don’t need an appointment and the average wait time is 10 minutes.

Teladoc Health also provides mental health services with licensed therapists and has evening and weekend appointments available. 75% of people using the Teladoc Health mental health benefit report this service has made them feel better in just 3 appointments.

In 2026, Blue Cross Blue Shield PPO1 and HDHP enrollees have a $0 copay for Virtual Care appointments conducted via Teladoc Health!

To get started in Chronic Condition Management or Virtual Care, download the Teladoc app to your smartphone, click here or call 800-835-2362 and use registration code:  COUNTYOFOAKLAND

Maven is a family building and women's health solution supporting all paths to parenthood and beyond.  Oakland County is pleased to offer this benefit to employees and qualified dependents enrolled in an Oakland County medical plan.  Maven provides expert coaching for:

• Family Building Support
• Maternity and Postpartum Support
• Menopause and Ongoing Care
  • This solution also includes programs to support Male Midlife Health

For a personalized experience, Maven will match a dedicated Care Advocate that will support members through their unique journey.  You can register for these programs by using the QR code on the attached flyers.

Maven members have reported the following outcomes:

• 30% of members struggling to conceive achieve pregnancy without assisted reproductive technology
• up to 28% lower NICU admissions
• up to 33% of members reported better mental health

Here are some examples of tailored support that Maven offers:

• Adoption Support
• Doula Support
• Fertility and Family Building for Black Families
• High Risk Pregnancy Support
• LGBTQIA+ Family Building
• Mental Health Support after Miscarriage
• Preconception Planning
• Surrogacy Support
• Menopause Mental Health Support
• Menopause Pelvic Floor Physical Support Coaching

Unum Care Hub is a suite of digital solutions that is available to full time employees at no cost! Unum Care Hub is designed to help employees through some of life’s most stressful moments.

At no cost to employees, Unum Care Hub will connect to partners focused on:

• Caregiving – Smart digital caregiving tools to streamline your important responsibilities, such as delegating and scheduling tasks with friends and families to coordinate care, creating care support plans of action, storing medication lists and documents, as well as finding, interviewing, and hiring vetted professionals. Get connected to a dedicated Care Coach who can take on many of the time-consuming caregiving tasks and provide expert-based advice and guidance with unlimited messaging and virtual consultations.

• Neurodivergent Support – Connect with experts in neurodiversity and disability to get personalized guidance for supporting loved ones with specialized needs.

• Digestive Health – Personalized guidance to support digestive wellness for anyone in the family needing support. Services that provide access to personalized shopping lists, transparent ingredient lists, product scanning capabilities, restaurant profiles, and dietary guidance to help you make informed decisions.

• Chronic Pain Management –A digital solution to manage chronic pain that easily monitors symptoms, tracks progress and provides both education and clinically validated exercises for chronic pain. 

• Self-guided Wellbeing –A digital solution designed to support across the spectrum of mental health needs and wellbeing at work. Access tools such as self-guided therapy and programs to help employees manage their mental health and overall wellbeing.Resources are available to help manage stress, anxiety, depression and more.

Create a Unum Care Hub account to get started today!

Hearing aid coverage is offered through Blue Cross Blue Shield of Michigan and Blue Care Network.  For more information, please choose the plan information below that corresponds to the medical plan that you are enrolled in.  

Please note that before receiving your hearing aid, you must have a medical examination of the ear performed by a participating board-certified or board-eligible otologist, otolaryngologist, or otorhinolaryngologist.  

Hearing Coverage - PPO1 and PPO2 Medical Plans

Hearing Coverage - HDHP/PPO Medical Plan

Hearing Coverage - Traditional Medical Plan

Hearing Coverage - Blue Care Network HMO Plan (see page 4 under "Other Services")

For the best benefit, be sure to choose a provider that is in-network for Blue Cross Blue Shield/Blue Care Network.

The Human Resources Department has been notified by Oakland County insurance carriers that some chiropractors have been providing services to Oakland County employees, retirees and dependents that are not covered by Oakland County’s medical plans and have been billing services incorrectly. Oakland County’s medical coverage has not changed, rather this information was discovered after an investigation from insurance carriers.

Chiropractic Care FAQ’s

Oakland County offers several options to support employees with their mental health.  Please see our Mental Health Resources flyer for more information.

Mental Health Benefit by Plan (for employees enrolled in Oakland County Health Plans)

In-Network Coverage*:

Outpatient Mental Health Care

• PPO1: 100% after $20 copay
• PPO2: 90% after deductible, office visits are $20 copay
• HMO: 100% after $20 copay
• HDHP: 100% after deductible
• Traditional: 100%

Telemedicine Mental Health Care

• PPO1: 100%
• PPO2: 100% after $20 copay
• HMO: 100% after $20 copay
• HDHP in 2025: 100% after deductible
• HDHP in 2026:  100%
• Traditional: 100%

Virtual Mental Health Care via Teladoc

• PPO1: 100%
• PPO2: 100% after $20 copay
• HMO: 100% after $20 copay
• HDHP in 2025: 100% after deductible
• HDHP in 2026:  100%
• Traditional: 100%

*Coverage Out-Of-Network differs from above

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Do you need evening or weekend appointments? Virtual Care by Teladoc offers flexible scheduling!

• Virtual Care by Teladoc Health Registration Guide

Counseling sessions are available through Optum, our Employee Assistance Provider (all employees)

• Available to all employees and members of their household
• Counseling sessions are free (maximum of five sessions per need/incident)

For more information regarding Optum, click here.

Benefits-At-A-Glance

• 2026 BCBSM PPO1 Benefits At A Glance
• 2026 BCBSM PPO2 Benefits At A Glance
• 2026 BCBSM HDHP/PPO Benefits At A Glance
• 2026 BCBSM Traditional Benefits At A Glance

Summary of Benefits and Coverage

• 2026 BCBSM PPO1 Summary of Benefits and Coverage
• 2026 BCBSM PPO2 Summary of Benefits and Coverage
• 2026 BCBSM HDHP/PPO Summary of Benefits and Coverage
• 2026 BCBSM Traditional Summary of Benefits and Coverage

Blue Cross Blue Shield of Michigan Member Handbooks

• PPO1/PPO2 Member Handbook
• HDHP/PPO Member Handbook
• Traditional Member Handbook

Additional Information

• BCBSM How to Find a Provider
• BCBSM How to Access your Member Portal
• BCBSM Out-of-Network Claim Form
• BCBSM Appeal Form
• BCBSM Application to Extend Coverage for Dependents Living with a Disability

Blue Cross Blue Shield of Michigan Customer Service: 877-752-1233

Find a provider or log into your Blue Cross Blue Shield of Michigan account here.

Benefits-At-A-Glance

• 2026 BCN HMO Benefits At A Glance

Summary of Benefits and Coverage

• 2026 BCN HMO Summary of Benefits and Coverage

Additional Information

• BCN How to Find a Provider
• BCN How to Access your Member Portal
• BCN Out-of-Network Claim Form

Blue Care Network Customer Service: 800-662-6667

Find a provider or log into your Blue Care Network account here

Prescription Coverage Information

Not sure if a prescription is covered?  Visit the Blue Cross Blue Shield of Michigan prescription drug formulary to review covered medications and any limitations/requirements for medications prescribed.  

BCBSM Custom Drug List / Formulary Information

How to Sign-Up for Mail Order (three options listed below)

Get up to a three-month supply of our maintenance medication(s) delivered safely and reliably right to your door. Save time and money!

• Visit bcbsm.com and log in to your secure member account. Click My Coverage, then Prescription, then Manage prescriptions.
• Log in to your 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 855-811-2223. TTY 711
  • Blue Care Network members, call 844-642-9087. TTY 711

High-Cost Drug Discount Optimization Program

If you and/or your covered dependent(s) are taking a medication included in this program, OptumRx will partner with PillarRx to lower out of pocket costs. If you have questions, call the PillarRx copay assistance team at 517-583-3944.

For questions, contact Blue Cross Blue Shield Customer Service: 877-752-1233

Prescription coverage and history is located within your Blue Cross Blue Shield of Michigan or Blue Care Network account. You can log in here.

Out of Network/Compound Pharmacy Claim Form

Delta Dental Benefit Summary

Please note that dental plans vary based on your bargaining unit.  Please be sure to reference the correct dental plan document for your bargaining unit.

• Non-Union and all other bargaining units that adopt through contract (including IBEW, POAM, TPOAM, MAPE, MAPE Sup., IUOE, COA, AFSCME and MNA)
  • 2026 Non-Union Standard Dental Benefit Summary
  • 2026 Non-Union High Dental Benefit Summary
  • 2026 Non-Union Premier Dental Benefit Summary
• UAW and OCDSA 
  • 2026 UAW OCDSA Standard Dental Benefit Summary
  • 2026 USA OCDSA High Dental Benefit Summary

Delta Dental Plan Document

• Delta Dental Certificate

Additional Information

• Delta Dental Mobile App Member Flyer

Delta Dental Customer Service: 800-524-0149

Find a provider or log into your Delta Dental account here.

Effective January 1, 2025, Heritage Vision Plans will be Oakland County's vision plan provider.  Employees enrolled in coverage for 2025 received their new cards in the mail at the end of December.  If you have not received your card, please contact benefits@oakgov.com.  

Heritage Vision Plans website

To find a provider, click "Find a Provider" and search the National Network.  If your provider is not currently within the National Network for Heritage Vision Plans, you can complete this Provider Nomination Form for consideration to be added to the National Network.

• Heritage Vision Plans Standard Plan Document
• Heritage Vision Plans High Plan Document
• Heritage Vision Plans Premier Plan Document
• Out-of-Network / LASIK Reimbursement Form
• Heritage Vision Plans Participating Optical Chains

We have a LASIK reimbursement on the Premier vision plan!  The maximum reimbursement is $600 per eye, per lifetime.  Here are a few things to note:

• The benefit is available as a reimbursement through Heritage Vision Plans by using the Out-of-Network/LASIK Reimbursement form.  
• The reimbursement amount is the same if you are using an in-network or out-of-network provider.
• You may receive additional discounts by using an in-network provider.  You can search in-network providers here:  Heritage LASIK Providers

Oakland County's COBRA administrator is Optum Financial.

Oakland County Michigan has contracted with Optum Financial to assist with COBRA Administration Services. Optum Financial manages the billing and collection of your COBRA premium payments.

Contact Optum Financial to:

• Enroll in COBRA
• Pay COBRA Premiums
• Update your address

Optum Financial COBRA Customer Service: 855-687-2021

2026 COBRA Rates