Blue Cross Complete is a Medicaid plan, so an employer cannot buy it or add it to a benefits package.
Blue Cross Complete of Michigan is Blue Cross’s Medicaid health plan. It is not an employer group plan, and nothing on this page can be bought or added to a workplace benefit.
What the program is and what members do.
A Medicaid plan with community services
Blue Cross Complete says it provides many services to its members. Its community resources page lists a ZIP-code Community Resource Hub for free or reduced-cost services such as utilities, household items, transportation, housing and food. It also lists a behavioral health services guide and parent support groups.
A Detroit Wellness and Opportunity Center
The plan runs a Wellness and Opportunity Center at the Durfee Innovation Society in Detroit. Blue Cross Complete says it offers benefits information, on-site representatives such as community health navigators, case managers and social workers, and referrals to job training. It holds new member information sessions monthly.
Discounts, education and help lines
Blue Cross Complete members can join Blue365 at no cost. The plan also lists Mission GED, a 24-hour Nurse Help Line and virtual behavioral health urgent care for adults. Blue Cross Complete says Mission GED is an AmeriHealth Caritas program and AmeriHealth Caritas provides administrative services to the plan.
Eligibility, funding and plan design.
Who can use it
Only Medicaid members of Blue Cross Complete can use these services. An employer does not choose, sponsor or buy this plan. Employees who also qualify for Medicaid on their own would apply through the Medicaid program, not through the employer.
How it is funded
Blue Cross describes the plan as its Medicaid plan, and the services listed are for members of that plan. Funding is through the Medicaid program, not employer premiums or contributions. There is no employer price to compare.
Where it fits in a plan design
It does not fit in an employer plan design. It matters to an employer only as context: some lower-wage employees may be on Medicaid, and the community resources may help them. The programs that apply to employer groups are the other cards in this section.
What to settle before relying on it.
Should this be in our benefits materials?
No. Listing a Medicaid plan next to employer options invites confusion about eligibility and cost. We would leave it out of enrollment guides and point to the other Blue Cross options.
If an employee asks about it, where do we send them?
Direct the employee to Blue Cross Complete’s own member services or to the state Medicaid agency. Employers should not collect or hold information about an employee’s Medicaid status. Ask HR to route questions without recording the reason.
Does an offer of employer coverage affect Medicaid eligibility?
That depends on the Medicaid rules and the individual’s circumstances. We would not advise an employee on it. Refer them to Blue Cross Complete or the state, and keep the employer out of the determination.
Common questions about this program.
Can an employer buy Blue Cross Complete for its employees?
No. Blue Cross describes Blue Cross Complete as its Medicaid plan. It is not an employer group plan and is not sold to employers.
Do employer plan members get the Blue Cross Complete center or Mission GED?
The pages we reviewed describe these as services for Blue Cross Complete members. Employer plan members should look to their own plan’s well-being resources. Blue365 is the one program both groups can use.
Why is it on a page about employer wellness?
Blue Cross markets it alongside its other well-being content, so it shows up in searches. We list it so employers know it is a different product that does not apply to a group plan.
Programs and vendors named on this page
Official pages for the services mentioned above. Availability, cost and eligibility vary by plan and employer group, so confirm what applies to your group with the carrier.
Where these details come from.
This page summarizes what Blue Cross Blue Shield of Michigan publishes. Programs change, so confirm current details with the carrier before relying on them.
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