See all our plans:
Individual Blue Care ... | Value Blue ... | Flexible Blue ... | Young Adult Blue ...

These plans will cover you when other plans will not!
These plans will accept you without up-charging even if you fall under one or more of these conditions:

• Unemployed/Laid-off
• Have other insurance such as Crippled Children’s or VA
• Have been injured by an auto accident
• Disabled
• On Worker’s Comp
• Currently Uninsured
• Dependent children who are not a full-time student
• Currently an expectant parent

Pre-Existing Conditions
All covered charges requires a 6-month pre-existing exclusion period. This means if you had a medical condition for which medical advice, care or treatment was recommended or received 6 months before your enrollment date, any services you receive to treat that condition within the first 6 months after your enrollment date will not be paid. After the 6-month waiting period, the condition will be covered.

Applying for Coverage:

• Complete and review your application for accuracy
• Sign and date your application
• Send NO money with application
• Submit your application and (Automatic Payment Plan enrollment form, if desired) by using one of the methods listed below

Submitting Application

• Fax: (866) 373-0416 - or -
• Mail: P.O. Box 699, Memphis, MI 48041 - or -
• E-mail: ronb@healthspecialist.com

After Your Application is Submitted

• You will receive notification that your application is in process
• It usually takes 2-3 weeks for approval
• After your application is reviewed and approved, you will receive a bill
• Once Blue Cross had received your payment, then your policy and pocket cards will be mailed out to you
• You will be billed directly from Blue Cross every other month (bi-monthly). Please note  premiums are due in advance, please be prepared
• You can pay by personal check only. Sorry, no employer checks allowed
• When your policy is issued, you will receive a welcome letter that explains how to waive the pre-existing condition waiting period. Due to privacy issues, our office cannot help  you determine if you qualify to waive the waiting period.