Exclusive Chamber-Sponsored Program

The Southeast Michigan Chamber Alliance links participating chambers in a unique manner that provides them the maximum benefits of collaboration.

Working together, associated chambers offer programs, products and services for the mutual benefit of their business members. Through this relationship, the chambers have the ability to ensure members have access to the health insurance plan with the greatest flexibility to match their budget.

Plan types include:
* Community Blue PPO
* Blue Care Network HMO
* Healthy Blue Living, an HMO with wellness incentives
* Flexible Blue, a consumer-directed plan
* MyBlue, individual billed coverage
* Dental, Vision and Prescription Drugs

1. Most Coverage Options
and Maximum Flexibility

The Blues provide several types of plans with a multitude of options for each. Chamber members have access to more options giving them the flexibility to match the best plan for their budget.

2. Best Available Price to Fit Your Budget

Greater options mean the ability to manage your plans to your budget. No matter what coverage a member chooses, they can rest assured that they are also guaranteed to get the best price available. Now members can save more with Blue Advantage Pricing which provides premium reductions when they add dental or prescription drug coverage to their plan.

3. Service Makes Benefits Administration Easy

Managing benefits is a complicated and time consuming task. The Chamber's service team is on call to help answer benefit questions and process requests such as ordering ID cards, checking eligibility, or changing an employee's status.

4. Reduced Employer Benefit Liability

When an employer chooses to offer health insurance as a benefit, they unfortunately also assume the added liability of compliance. That is why the Chamber offers a suite of services aimed at helping employers comply with government regulations and lowering their liability risk. All members receive a customized Summary Plan Description (SPD) to comply with U.S. Department of Labor regulations. The Chamber also offers a robust COBRA administration program for employers with more than 20 employees.

5. Member Discounts

Employees save even more just by showing their Blue ID card. Through a variety of Blue programs, employees can save on injury-prevention equipment and complementary health services, such as acupuncture and wellness and fitness centers.

6. Personalized Service from Licensed Insurance Professionals

The Chamber partners with licensed Blue Cross Blue Shield of Michigan agents to sell and service its program. Highly trained independent agents form the Chamber's field services arm and provide expert advice, quotes and facilitate on-site enrollment.


Group Health Insurance	Group health insurance is a medical plan that an employer purchases on behalf of it's employees. Group plans spread the cost among the members of the group, enabling such plans to typically cost less per person and offer broader coverage.
Individual Health Insurance	Individual health insurance is a policy that is made available to individuals and families, rather than to empoyer groups.
PPO	A health care network of primary care doctors, specialists, hospitals or other providers of care, the preferred provider organization focuses on delivering cost-effective, quality patient care.
HMO	A state-licensed health maintenance organization that delivers physician and hospital services to members directly or through contracts with affiliate providers. The plan requires members to choose a network provider (Primary Care Physician) to coordinate their health care.
Consumer-Directed	Flexible Blue incorporates a HSA-qualified benefit plan with a financial account to fund qualified tax-exempt or tax-deductible medical expenses. Flexible Blue members take a more active role in their health care by choosing how to spend their health care dollars.
Dental and Prescription Drugs	Advantage Pricing offers employers a reduction on Blue Cross Blue Shield of Michigan medical premiums when dental and/or prescritption coverage is added to the benefit plan.

COBRA Administration: Reduce liability and eliminate administration headaches with the Chamber's COBRA administration program.

Group Administration: The Chamber's dedicated services team is available to answer questions and process your employee additions and status changes.

Section 125: Premium Only Program: Use our program to save your company money and increase employee take-home pay when they contribute to health insurance premiums.

Summary Plan Description (SPD): If you offer and employee benefit program, the Department of Labor requires a SPD.

Learn more about Chamber-sponsored health plans from the Blues (PDF)

Insurance Customer Service Center
Phone: (888) 844-1530