Michigan Health Plans for Employers
PPO Plans
2025 ACA SBCs
CDHP Plans
We understand that healthcare costs keep rising. That's why we offer our consumer directed health plan (CDHP) to groups of all sizes – including yours.
Our CDHP offers affordable premiums, a large provider network and flexible benefits. Most employers offer a CDHP along with a health reimbursement account (HRA) or health savings account (HSA) to offset some of the cost to employees.
The CDHP network of providers consists of Paramount, HAP Preferred, a consortium of PPOs throughout Michigan and Encore Health Resources. All providers and facilities in this combined network pay at the highest level of benefits. For those employees who want even more providers to choose from, they can elect to go out-of-network at a slightly lesser benefit. They may be subject to potential balance billing.
2025 ACA SBCs
ASO Plans
As part of our diverse product choices, our administrative services only (ASO) product option offers self-funded clients a solution to controlling costs, managing risk and responding strategically to critical trends. Our ASO products include a variety of services that are available bundled or separately, based on your specific needs.
We provide a multitude of tools to help manage risk while potentially generating tremendous savings. As your partner, we work with you in every aspect to make sure we're the right fit and the correct risk parameter is selected.
As an ASO client, you will have access to four networks of providers - Paramount, Ohio Health Choice, HAP Preferred and Encore.
Product Lines of Services
We can offer just one of these services or any combination. For more detailed descriptions of each service, please review our ASO Services explanation.
- Member enrollment
- Outbound data transfers
- Inbound data uptake
- Enrollment maintenance and material distribution
- Financial administrative services
- Actuarial services
- Claims administration
- Ongoing account administration
- Network management
- Medical/clinical management
- Condition management
- Preventive/wellness programs
- Member services
If you are located in the state of Michigan or Ohio, you are eligible for our ASO product.
Provider Network Resources
POS Plans
Our point-of-service (POS) plans are great for large groups wanting more freedom in their health insurance plan.
Like HMO plans, employees should use the Paramount contracted network of providers to receive the best benefits and a primary care provider (PCP) must be selected. However, unlike HMO plans, your employees will have access to providers outside of the Paramount HMO network at a slightly lesser benefit. Employees enjoy the freedom to choose the provider who best meets their needs.
2025 ACA SBCs
- ACA POS MI 100 (7250) HSA-High Bronze
- ACA POS MI 100 (8700)-Low Bronze
- ACA POS MI 8020 (1000) Copay Focus Gold
- ACA POS MI 8020 (1500)-High Gold
- ACA POS MI 8020 (1750)-Mid Gold
- ACA POS MI 8020 (2000)-Low Gold
- ACA POS MI 8020 (3300) HSA-High Silver
- ACA POS MI 8020 (3500) HSA-Mid Silver
- ACA POS MI 8020 (5000)-Low Silver
- ACA POS MI 9010 (500)-Platinum
POS and the Employers’ Association Plans
Paramount Care of Michigan is teaming up with the Employers' Association to offer a comprehensive wellness program on our Point of Service (POS) platform. This offering is exclusive to Michigan employers.
EA Wellness offers a dedicated wellness consultant and the ability to customize your wellness program. Wellness programs help you build a true culture of wellness that may lead to:
- More engagement
- Increased productivity
- Reduced absenteeism
- Lower healthcare costs
Paramount's POS EA offering provides incentives for both the employer and employee.