Health Benefits

Northern Michigan University is pleased to be able to offer its employees a comprehensive benefits package. For additional information please select from the links below.

2020 Health Plan Rates (includes Rx coverage)

  Single Plan Two-Person Plan Family Plan
Staff* $ 55.65 $133.54 $166.92
Faculty** $ 72.35 $173.60 $217.00

*Full-time staff bi-weekly deduction is over 26 pays; less than full-time staff who do not collect 26 pays will have their deduction spread appropriately. **Faculty bi-weekly deduction is over 20 pays (10 in Winter and 10 in Fall)

MEDICAL coverage administered by BCBS of Michigan

BCBS Benefits-At-A-Glance 

Blue Cross Online Visits provide access to online medical and behavioral health services anywhere in the United States. Learn more here.

Have questions about minor illnesses when your doctor isn't available? 

Summary of Benefits Coverage

All group and individual health plans must provide a uniform summary of benefits and coverage (SBC) to applicants and enrollees. The Affordable Care Act (ACA) requires insurers and health plans to provide consumers with standardized and easy-to-read information about the plan using a common form that is intended to make it easier for consumers to compare plans. The SBC must describe the main features of the plan, including covered benefits along with any limitations or exclusions, cost sharing requirements, and whether it meets minimum essential coverage and value standards. The SBC must also include examples of how the policy or plan would cover care for certain health conditions or scenarios, showing hypothetical costs for consumers and how much the plan would pay.  Finally, the SBC includes uniform definitions of common insurance-related terms. Note that this summary is for informational purposes only and does not reflect NMU's plan design.

A Guide to Reading your EOB

Blue Cross "Your Benefits Guide"



CVS Caremark Benefits-At-A-Glance

Participant Overview

Sample ID Card


Diabetic Benefits: Important information about obtaining diabetic supplies from BCBS and CVS


  1. Go Paperless using your Blue Cross Member Account
  2. BCBS Global Core - Coverage Abroad
  3. A Guide to Reading your EOB
  4. How do I appeal a health plan decision?
  5. Blues 365
  6. How to Register at
  7. site FAQ's
  8. Experian Identity Works ID Protection
  9. Experian Identity Works Fact Sheet
  10. Uniform Glossary of Health Coverage and Medical Terms

Dental coverage administered by BCBS of Michigan

2020 Bi-weekly Dental Plan Rates

  Single Two-Person Family
AAUP/NMUFA/TOP/AFSCME $ 0 $ 0 $ 12.07
Non-Reps/AP's $ 0 $0 $ 0


Dental Benefits-At-A-Glance 

Find an in-network dentist at

Vision coverage administered EyeMed

EyeMed Benefits-At-A-Glance

Safety Glasses

EyeMed Sunglass Savings

EyeMed Member Tools

Remember to download the EyeMed Members app for Apple or Android

Life insurance administered by The Hartford
  • Short-Term Disability
  • Long-Term Disability
The Consolidated Omnibus Budget Reconciliation Act of 1985, or COBRA, allows you to continue group medical insurance, prescription drug, dental and vision coverage on an individual basis when you or your dependents become ineligible for University benefits.  At that time, the COBRA notice and current rates will be mailed to your, or your dependents losing the health benefits.
Workers Compensation

    Please click on the following for information on Open Enrollment periods.