1. Michigan Association of Home Builders members are not limited to certain products offered by Blue Cross Blue Shield of Michigan (BCBSM). The full spectrum of BCBSM health care coverage is available to you. Select the plan that best fits your needs and the needs of your family and employees. Available products can be customized for any size group, any size budget.
2. BCBSM's full spectrum of health care coverage also includes dental, vision and prescription drugs - all this from one carrier, using one ID card, and with no added administrative costs.
3. MAHB members have several dental plans to select from if you are a group of 2 or more. Orthodontia is also an option available with certain plans. Other providers limit group size to 10 or more participants.
4. Blue Cross Blue Shield delivers the highest overall discounts available to groups in the state of Michigan. Blue Cross Blue Shield of Michigan obtains discounts on more than 95 percent of all medical claims with extensive networks. Network discounts translate into financial savings.
5. Participating Provider Agreements means Blue Cross Blue Shield of Michigan payments are accepted by providers as payment in full, after applying appropriate co-pays and deductibles. Member satisfaction is enhanced as providers handle all claim filing details. Plus, members need not worry about balance-billing when you see a participating provider.
6. Every acute care Michigan hospital participates with BCBSM, which results in substantial discounting of claims and financial savings.
7. BCBSM will not exclude or cancel members because of age or gender, pre-existing medical conditions or a major illness. And for added protection BCBSM offers group-conversion privileges so Blue members are never without health coverage.
8. Only your Blue ID card provides instant recognition and services. When you're a BCBSM member, you take your health care benefits with you across the country and around the world. The Blue Card Program provides you with access to doctors and hospitals almost anywhere, giving you the peace of mind that you'll be able to find the health care provider you need.
9. It pays to examine what you get for your administrative dollars. With the Blues, there aren't any hidden charges. Your administrative fees automatically include a full range of services - group-specific benefit books; accurate, timely claims processing; cost containment initiatives; actuarial services; ID cards and BlueHealthConnection^SM.
10. The extra value you get when you become a Blues member - Blue Cross Blue Shield of Michigan cardholders have free access to the following wellness programs and information:

Blue Safe^SM - designed to help prevent injuries by offering discounts on safety-related equipment and products from top Michigan retailers. Members show their Blues ID card at Dunham's Sports and Wright & Filippis to receive discounts on specific safety items.

Naturally Blue^SM - Members show their ID cards to get 20-percent discounts on acupuncture, massage therapy and nutrition counseling from network practitioners through Naturally Blue.

Weight Watchers® - Members receive more than a 25-percent discount off the regularly priced registration fee and initial 12- or 13-week program.

Quit the Nic smoking cessation program.

Weigh to Go^TM

Self-help guides

And many more money savings programs.

For more information on the individual programs, go to www.bcbsm.com or call toll-free 1-888-718-7011.

For a list of MAHB preferred agents, go to www.mahb.com/memberbenefitsinsuranceprograms.html, or call the MAHB office at (800) 748-0432.