Overview
Your medical plan options include a range of coverage levels and costs, so you can choose the one that’s best for you. These plans are no longer administered by UnitedHealthcare and are now administered by Blue Cross Blue Shield of Michigan. If you are a Lineage team member whose work location and residence is in California, you may be able to choose Kaiser Permanente or Blue Cross Blue Shield of Michigan for your medical coverage. Please note that Kaiser Permanente coverage is offered based on your residential zip code. If the Kaiser Permanente plan does not appear among your enrollment options, you may not be eligible for it even if both your work location and home are in California.
You can enroll as a new hire, during Open Enrollment or if you have a Qualifying Life Event. To enroll and view plan rates, log in to Workday.
Key features
All of our medical plans provide:
Comprehensive, affordable coverage
for a wide range of health care services.
Free in-network preventive care
with services such as annual physicals, recommended immunizations, and routine screenings all 100% covered.
Prescription drug coverage
provided by OptumRx for the Blue Cross Blue Shield of Michigan plans or Kaiser Permanente for the Kaiser Permanente DHMO plan.
Virtual Care
that lets you see a doctor from the comfort of home or wherever you are.
Financial protection
through out-of-pocket maximums that limit your annual costs.
2026/2027 medical plans
Lineage is pleased to offer two Preferred Provider Organization (PPO) plans and a Health Savings Account (HSA) Value Plan through Blue Cross Blue Shield of Michigan. PPO plans have a network of providers and do not require a primary care provider (PCP) referral to see a specialist, giving you more flexibility to choose the providers you prefer to visit for care. With a PPO plan, you can save money by using doctors in the plan’s network.
If you are a Lineage team member whose work location and residence is in California, you may also have the option to enroll in the Kaiser Permanente Deductible Health Maintenance Organization (DHMO) plan.
Here are the high-level differences between the plan options. See Terms to Know for definitions of common terms.
Enhanced Plan
Enjoy greater predictability of costs through copays for doctor visits and prescriptions, along with the lowest deductible in exchange for the highest premiums.
Core Plan
Reduce your out-of-pocket costs and have peace of mind through a lower deductible in exchange for higher premiums.
Health Savings Account (HSA) Value Plan
Take charge of your spending through lower premiums, higher deductibles and a tax-free Health Savings Account (HSA) (with contributions from Lineage).
Kaiser Permanente Medical Coverage (California Only) – DHMO
Receive coverage for in-network care only, coordinated by your primary care provider (PCP).
How much does Lineage medical coverage cost?
Lineage pays a generous portion of the cost of your medical coverage. You’ll pay the remaining amount through pre-tax deductions from your paycheck. The amount you pay will depend on which plan you choose and whether you cover just yourself or family members, too. You can view your plan costs in Workday.
Make the most of your medical plan
Log in to your medical plan website or download the mobile app to:
- Find a doctor
- Research costs
- Manage claims
- And much more
Get started by setting up an online account for your plan — Blue Cross Blue Shield of Michigan or Kaiser Permanente.
Medical Plan Comparison
Use this side-by-side plan comparison to understand key differences between the plans. You can select which plans to compare using the left button below. Click on a row to expand that section or click on the “Expand All” button to see everything at once.
| Enhanced Plan | Core Plan | HSA Value Plan | ||
|---|---|---|---|---|
| HSA features | ||||
| HSA-eligible | No | No | Yes | |
| Employer contribution (individual/family) | Not applicable | Not applicable | $250 / $500 | |
| Annual deductible (individual/family) | ||||
| In-network | $1,000 / $3,000 | $2,000 / $6,000 | $3,500 / $7,000 | |
| Coinsurance | ||||
| In-network | 20% | 20% | 20% | |
| Annual out-of-pocket maximum (individual/family) | ||||
| In-network | $3,000 / $9,000 | $6,000 / $12,000 | $6,350 / $12,700 | |
| Health care visits: Your costs | ||||
| Preventive care (in-network) | You pay nothing, covered 100% | You pay nothing, covered 100% | You pay nothing, covered 100% | |
| Primary care (in-network) | $25 copay | $40 copay | You pay 20%* | |
| Specialist (in-network) | $50 copay | $55 copay | You pay 20%* | |
| Inpatient mental health services (in-network) | You pay 20%* | You pay 20%* | You pay 20%* | |
| Outpatient mental health services (in-network) | $25 copay | $40 copay | You pay 20%* | |
| Teladoc (in-network) | $25 copay** | $40 copay** | You pay 20%* | |
| Urgent care (in-network) | $90 copay | $90 copay | You pay 20%* | |
| Emergency room (in-network) | First 3 visits per year: $230 copay per visit, then 20% coinsurance After 3 visits: $275 copay per visit |
First 3 visits per year: $230 copay per visit, then 20% coinsurance After 3 visits: $275 copay per visit |
You pay 20%* | |
| Inpatient Hospital Care / Outpatient Surgery (in-network) | You pay 20%* | You pay 20%* | You pay 20%* | |
| Prescriptions – 30-day supply at retail pharmacy: Your costs | ||||
| Generic | $15 copay | $15 copay | You pay 20%* | |
| Formulary | $30 copay | $30 copay | You pay 20%* | |
| Nonformulary | Greater of $55 copay or 50% | Greater of $55 copay or 50% | You pay 20%* | |
| Prescriptions – 90-day supply (mail order or retail pharmacy): Your costs | ||||
| Generic | $30 copay | $30 copay | You pay 20%* | |
| Formulary | $60 copay | $60 copay | You pay 20%* | |
| Nonformulary | Greater of $110 copay or 50% | Greater of $110 copay or 50% | You pay 20%* | |
* After deductible
** Copays are applicable only for mental health and dermatology appointments.
Which medical plan is right for me?
There are a few factors you should consider when choosing a medical plan:
- Your healthcare needs and habits. Are you anticipating any major life events next year, such as having a baby or scheduling surgery? Do you have a chronic condition that requires consistent health care, or do you rarely use your health coverage? Thinking through these questions will help you choose which level of coverage is sufficient to maintain you and your family’s health.
- Your prescriptions. Each plan offers different coverage for prescription drugs. Visit OptumRx for specific coverage offered by each Blue Cross Blue Shield of Michigan plan. Visit https://healthy.kaiserpermanente.org/front-door for information on Kaiser Permanente DHMO prescription drugs.
- Your spending habits. Would you rather pay more up front (in monthly premiums) or more at the time of care (toward your deductible)?
Transparency in coverage
The federal Transparency in Coverage Rules require certain group health plans to publicly disclose price and cost-sharing information. This information includes in-network provider rates as well as historical out-of-network allowed amounts and billed charges for covered items and services, which is to be shared via two separate machine-readable files (MRFs). The machine-readable files are formatted to allow researchers, regulators and application developers to more easily access and analyze data. The MRFs for Lineage’s medical plan carriers can be found below:
Want more information on your options?
The benefit coverage details for Blue Cross Blue Shield of Michigan can be found in the Summary of Benefits and Coverage (SBC) materials by clicking on the Documents tab on this page, or by going to the Documents page of this website.
Enhanced Plan
How the Enhanced Plan works
The Enhanced Plan offers greater predictability of costs through copays for doctor visits and prescriptions, along with the lowest deductible in exchange for the highest premiums. You can see any provider, but you’ll pay less by staying in network.
Save money with an FSA!
Take advantage of tax-free savings for health care payments with a Healthcare Flexible Spending Account (FSA). However, plan your FSA contributions carefully: money in your FSA does not carry over to the next plan year; you must “use it or lose it.” You can only carry over up to $680 of unused money in your FSA to the next year; you will forfeit any remaining amount above $680. Please note that you must enroll in the FSA again during Open Enrollment in order to carry over the remaining amount to the following plan year.
Core Plan
How the Core Plan works
The Core Plan provides protection and peace of mind in exchange for mid-range premiums. You’ll benefit from a moderate deductible, predictable copays and reduced out-of-pocket costs.
You pay the plan premiums from your paycheck to have coverage. When you receive in-network preventive care, you pay nothing — it’s covered in full! If you need non-preventive care, it works like this:
Save money with an FSA!
Take advantage of tax-free savings for health care payments with a Healthcare Flexible Spending Account (FSA). However, plan your FSA contributions carefully: money in your FSA does not carry over to the next plan year; you must “use it or lose it.” You can only carry over up to $680 of unused money in your FSA to the next year; you will forfeit any remaining amount above $680. Please note that you must enroll in the FSA again during Open Enrollment in order to carry over the remaining amount to the following plan year.
Health Savings Account (HSA) Value Plan
Lineage’s Health Savings Account (HSA) Value Plan is designed to provide you with the flexibility to save for future healthcare costs. This plan includes an annual employer contribution to your Health Savings Account (HSA) of $250 for individual coverage / $500 for family coverage. The Lineage annual contribution is made over time, with a proportional amount deposited into your WEX HSA account every paycheck. The HSA is a triple-tax-advantaged account, allowing you to contribute, invest and grow your savings. The total amount that you and Lineage can contribute to your HSA in 2026/2027 is $4,400 for individuals and $8,750 for families. Additionally, team members who are 55 or older can contribute an extra $1,000 annually.
Important information about enrolling in the HSA
To contribute to an HSA, you must enroll in the HSA Value Plan. Team members will not be automatically enrolled and will not automatically receive the employer contribution without electing the HSA first. You will actively elect your HSA and choose your contribution amount during enrollment, but can change it anytime during the year. You can then manage your account through the WEX website.
How the HSA Value Plan works
You pay the plan premiums from your paycheck to have coverage. When you receive in-network preventive care, you pay nothing — it’s covered in full! If you need non-preventive care, it works like this:
Save money with an HSA and get a triple tax advantage!
- Contribute money tax-free. You contribute to your HSA through pre-tax payroll deductions. You can change, stop or restart your contributions anytime
- Spend money tax-free. Use your HSA to pay for eligible medical, dental and vision expenses for you and your family. Make payments with your HSA debit card or through the WEX website (provided sufficient funds are in your account) or reimburse yourself later
- Grow your money tax-free. The HSA works like a bank account, owned by you. All the money in your HSA is yours to keep – there is no “use-it-or-lose-it” rule. Anything you don’t spend rolls over each year. You can earn tax-free interest and even invest your money once it reaches a minimum balance, giving you the potential for tax-free growth and a way to plan ahead for future expenses. Even if you leave or retire, the funds you deposit are yours until you spend them on qualified health-related expenses
- And, get company funding! Lineage will contribute to your account tax-free! The employer contribution is made over time, with a proportional amount deposited into your HSA every paycheck. Both your personal contributions and Lineage’s contributions count towards the IRS contribution limits
Kaiser Permanente Medical Coverage (California Only) — DHMO
If your work location and residence is in California, you may be able to choose Kaiser Permanente or Blue Cross Blue Shield of Michigan for your medical coverage.
Coverage through Kaiser Permanente works differently than through Blue Cross Blue Shield of Michigan. The Kaiser Permanente Deductible Health Maintenance Organization (DHMO) plan provides coverage only when you receive care from providers within the DHMO network. (If you require urgent or emergency care from a provider outside the network, however, those services will be covered.)
If you join the Kaiser Permanente DHMO, you select a primary care physician (PCP) to coordinate all of your care and refer you to specialists and/or hospitals in the Kaiser Permanente network. You may choose a different PCP for yourself and each of your covered dependents.
| DHMO* | ||||
|---|---|---|---|---|
| Annual deductible (individual/family) | ||||
| In-network | $750 / $1,500 | |||
| Coinsurance | ||||
| In-network | 20% | |||
| Annual out-of-pocket maximum (individual/family) | ||||
| In-network | $3,000 / $6,000 | |||
| Health care visits: Your costs | ||||
| Preventive care (in-network) | You pay nothing, covered 100% | |||
| Primary care (in-network) | $30 copay | |||
| Specialist (in-network) | $40 copay | |||
| Inpatient mental health services (in-network) | 20% coinsurance | |||
| Outpatient mental health services (in-network) | 20% coinsurance, up to $5 a day, deductible does not apply | |||
| Mental / behavioral health / substance abuse | $30 / individual visit, deductible does not apply | |||
| Telehealth (in-network) for primary care | You pay nothing, covered 100% | |||
| Urgent care (in-network) | $30 copay | |||
| Emergency room (in-network) | You pay 20% after deductible | |||
| Inpatient Hospital Care / Outpatient Surgery (in-network) | You pay 20% after deductible | |||
| Prescriptions – 30-day supply at retail pharmacy: Your costs | ||||
| Generic | $10 copay | |||
| Preferred Brand | $30 copay | |||
| Non-Preferred Brand | $30 copay | |||
| Specialty | You pay 20%; max of $250 | |||
| Prescriptions – 90-day supply (mail order or retail pharmacy): Your costs | ||||
| Generic | $20 copay | |||
| Preferred Brand | $60 copay | |||
| Non-Preferred Brand | $60 copay | |||
* In network rates only. If you use out of network providers, you will pay more for care.
How the DHMO works
You pay the plan premiums from your paycheck to have coverage. When you receive in-network preventive care, you pay nothing — it’s covered in full! If you need non-preventive care, it works like this:
Do you have a primary care provider (PCP)?
An HMO requires you to select a PCP who will manage your care and provide referrals if you need to see a specialist. Find a doctor >>
Want more information on your options?
The benefit coverage details for Kaiser Permanente can be found in the Summary of Benefits and Coverage (SBC) documents here on this site and on your Benefits and Wellbeing Dashboard in Workday.
Save money with an FSA!
Take advantage of tax-free savings for health care payments with a Healthcare Flexible Spending Account (FSA). However, plan your FSA contributions carefully. Money in your FSA does not carry over to the next plan year; you must “use it or lose it.” You can only carry over up to $680 of unused money in your FSA to the next year; you will forfeit any remaining amount above $680. Please note that you must enroll in the FSA again during Open Enrollment in order to carry over the remaining amount to the following plan year.
Prescription Drugs
When you enroll in a Lineage medical plan, you automatically receive prescription drug benefits through OptumRx or Kaiser Permanente based on the plan you choose.
Drug tiers
The cost of your prescription drugs under each medical plan depends on the type of medication you need. Each prescription provider has a list of covered drugs, called a formulary, which ranks medications by effectiveness and cost. This list decides how much you pay for your prescriptions. Remember, the formulary can change due to regular updates and reviews.
Find formulary information for your medical plan:
- Blue Cross Blue Shield of Michigan formulary
- Kaiser Permanente Southern California formulary
- Kaiser Permanente Northern California formulary
Save money on prescriptions
Ask your doctor about generic medications
They usually work just as well as brand-name medications but typically cost 80-85% less.
Check the formulary
If generic isn’t available, check the OptumRx formulary and Kaiser Permanente for a full list of affordable, preferred drugs in your plan. Brand-name medicines that aren’t on the list might need approval, or prior authorization, from your doctor first.
Why use home delivery?
- Free shipping on prescriptions
- No waiting in line at the pharmacy
- Reduced cost for a three-month supply
- Convenient, automatic refills
Prescription programs
Your pharmacy benefits include programs that help keep you safe and make sure you get the most appropriate and affordable medication for your needs.
High-Cost Drug Discount Optimization Program, powered by PillarRx
Lineage is offering you the High-Cost Drug Discount Optimization Program, powered by PillarRx, which can help you save money on certain expensive medications. If you’re taking a medication included in this program, you’ll receive a letter from PillarRx. In addition, a representative from PillarRx will call you in the next few weeks to help you enroll and explain how the program works. Typically, your copay will be lower, or you may pay nothing at all. Ensure that your main phone number is current with your benefits administrator. If you have any questions, call the PillarRx copay assistance team at 1-517-583-3944.
HighDrug Adherence Discount Program, powered by Sempre Health
The Drug Adherence Discount Program, powered by Sempre Health, can save you money on medication for chronic conditions and is free. If you’ve filled a prescription for one of the qualifying medications, you’ll receive a letter from Sempre Health requesting that you enroll.
After you enroll, Sempre Health will send text messages** or email reminders, based on your preferences, when it’s time to refill your prescription. When you refill and get your prescription on time, you’ll earn a discount on the copay. Give the pharmacy the discount code from the text messages or emails. Monthly discounts increase as you refill your prescription on time.
**Message and data rates may apply. Visit enroll.semprehealth.com/bcbsm for Terms and Conditions of Use and Privacy Practices. Blue Cross Blue Shield of Michigan and Blue Care Network don’t own or control this website. Blue Cross and BCN have contracted with Sempre Health, an independent company, to provide a drug discount program.
HelpScript patient advocates
HelpScript is a program that does just that, helps you with specialty scripts that are paid for through the Blue Cross Blue Shield of Michigan medical benefit. It takes the stress off your wallet when the cost of a prescribed drug for a rare or chronic condition may be more than you expected, or more than you can afford.
HelpScript’s dedicated patient advocates will help you every step of the way to get the care you need while reducing or eliminating high out-of-pocket costs. Whether it’s an infusion that’s received in a home or clinic setting, you’ll have peace of mind knowing you’re saving money and getting support.
Patient advocates will:
- Explain how the service works and discuss eligible medications
- Guide you through the manufacturer assistance application process
- Interpret your explanation of benefits, or EOB, so you can see how payments are coordinated
- Answer questions you have about the service
To find out if you’re eligible, you can call HelpScript to speak with a patient advocate at 1-833-807-4776. Patient advocates are available Monday through Friday, 8 a.m. to 8 p.m. Eastern time. Once enrolled, your medications will be covered completely.
Walgreens Specialty Pharmacy
Walgreens Specialty Pharmacy is your exclusive provider of specialty drugs, which are high-cost prescription medications that require special handling, administration or monitoring. These drugs treat complex conditions, such as cancer, chronic kidney failure, multiple sclerosis, organ transplants and rheumatoid arthritis. If you have questions, call the Walgreens Specialty Pharmacy team of pharmacists and patient care coordinators at 1-866-515-1355 24 hours a day, seven days a week. Doctors can send a new prescription by one of the following methods:
- Fax: 1-866-515-1356
- Electronically: E-prescribing name is Walgreens Specialty Pharmacy – MICHIGAN
- Phone: 1-866-515-1355
If your specialty drug prescription still has refills remaining, Blue Cross will be transferring these to Walgreens Specialty Pharmacy on your behalf. Please contact Walgreens Specialty Pharmacy at least seven to ten business days before your first fill through Blue Cross to ensure no gaps in care.
Prescription tools
Visit your prescription plan website or download the mobile app to manage your prescriptions, order refills, sign up for home delivery and more. Get started by creating an online account on the OptumRx website or Kaiser Permanente website. Download the OptumRx app on the Apple Store or Google Play. Download Kaiser Permanente app on the Apple Store or on Google Play.
Find a Doctor
Using in-network providers saves you money. Here’s how to find doctors in your medical plan network.
Blue Cross Blue Shield of Michigan
- Go to bcbsm.com.
- Once you are registered for the member portal, you will be able to login to the portal from the main landing page to access the find a doctor tool.
- Select Login at the top right.
- Under “Login for:”, select Members.
- Enter your username and password.
- Click the Find Care tab at the top of the page.
- Under “Providers & Care”, select Find a Doctor.
- Select the type of care you are looking for.
- Your location and plan selection will automatically be populated to find doctors who are in network near you!
Kaiser Permanente
- Visit the Kaiser Permanente website.
- Click Doctors & Locations.
- Select “Region”.
- The search results for doctors or locations will be limited to a 10-mile radius from the ZIP code entered - enter your location in the “Search For” box.
Please note: You must get care through the Kaiser Network; out-of-network care isn’t covered.
Don’t have a personal doctor? You should. Here’s why.
- Better health. Yearly health screenings can reduce your risk for many serious conditions. Preventive care is free, so there’s no excuse to skip it.
- Greater savings. Having a doctor you can call helps you avoid costly trips to the emergency room.
- Peace of mind.Your personal doctor gets to know you and your health history, provides advice you can trust, and helps coordinate your care.
Please note: If you are enrolled in the Kaiser Permanente DHMO, it is required for you to select a primary care physician to coordinate your care and offer referrals if you need to see a specialist.
Telehealth
Speak to a doctor from the comfort of your own home
Choosing your medical coverage is only the first step. Consider using telehealth for non-emergency medical or behavioral healthcare — it’s available wherever you are. Telehealth does not replace your primary care physician or emergency services, but it can be a quick and cost-effective way to speak with a medical professional.
With Virtual Care by Teladoc Health®, you can have virtual visits with licensed therapists, psychologists, social workers and counselors, and U.S. board-certified psychiatrists from the comfort of home at a convenient time. This option provides ongoing support for stressful situations or issues such as grief, anxiety and depression.
Mental health visits are available by appointment with many providers offering extended hours, including nights and weekends. Appointments are available from 7 a.m. to 9 p.m., seven days a week. Therapy is available for members ages 13 and up. Psychiatry is available for members ages 18 and up. Mental health visits cost the same out of pocket as behavioral health visits, according to your health plan. You’ll see your cost before you start your visit.
Schedule an appointment
Visit bcbsm.com/virtualcare for a link to download the Teladoc Health app.
Family members ages 18 and older will need to create their own Virtual Care account. When updating or creating your account, be sure to choose your plan name and enter your member ID so your coverage is applied correctly. If you have questions or would like to arrange a telephone visit, call 1-855-838-6628
If you enroll in a Blue Cross Blue Shield of Michigan plan, you receive telehealth services through Teladoc*.
If you’re in California and enroll in a Kaiser Permanente plan, telehealth services are also provided. Visit Kaiser Telehealth to view all your options for video and phone visits. Browse many symptoms and concerns for timely, convenient care options that work for you and complete an E-visit questionnaire for quick advice, prescriptions, and/or tests. If you have questions about managing your symptoms, call the Appointment and Advice line at 1-866-454-8855 to help you determine whether you need to see your doctor.
*Copays are applicable only for mental health appointments.
Teladoc can help you:
- Refill prescriptions. Consult with a doctor online who can quickly review your needs and authorize refills without an in-person visit.
- Treat general illnesses. Get help dealing with a minor illness like a cold, flu or sinus infection by speaking with a doctor about your symptoms.
- Create a clear mental space. Access licensed mental health experts from your home via phone or video, in support of your mental wellbeing.
Consider Your Immediate Care Options
If you want to see a doctor but aren’t having a medical emergency, telehealth services and urgent care facilities offer more cost-effective care. No matter which medical plan you choose, a telehealth or urgent care visit should cost you less than a visit to the emergency room.
Of course, if you are experiencing an emergency, you should go to the emergency room —Lineage’s plans can help cover the cost.
Health Care Cost Estimators
Lineage is committed to helping you and your family be prepared for a variety of health challenges with transparency and information about your health care costs.
Medical Plan Decision Support Tool
Compare your estimated costs under each Lineage medical plan and make an informed decision based on your healthcare needs. Our Medical Plan Decision Support Tool is available to help you decide which medical plan is right for you. Access the tool directly through Workday to get started.
Estimate Your Health Care Costs
If you enroll in a Blue Cross Blue Shield of Michigan plan:
Create your secured online account:
Visit bcbsm.com/onlineaccount.
Get the app:
Visit https://apps.apple.com/us/app/bcbsm/id1098220614
The Blue Cross Blue Shield of Michigan cost estimator tool will be available when you log into the Blue Cross Blue Shield of Michigan website. Enjoy the convenience — and freedom — you get with your account:
- Check your claims, out-of-pocket balance and what your plan pays for your health care costs.
- View your claims and explanation of benefits statements.
- Receive emails or text messages with real-time status updates of your prior authorization or referral requests.
- Find care and look up costs for health care services.
- Show your virtual member ID card.
- Plus, find member discounts, health and well-being resources and more.
If you enroll in a Kaiser Permanente plan:
Visit kp.org/costestimates and log in to use Estimates, which can give you a general idea of what you’ll pay for common exams, tests and services. Search for a service you need and Estimates will consider the average cost of that service in your area and your personal plan benefits to provide a range of likely costs.