Benefits Plans - health plans: Plan Summary - GradCare

GradCare is administered by BCN Service Company and is available only to U-M graduate students and their eligible dependents.

Level 1

When on campus, see your primary care physician (PCP) for care or referral to a specialist.

Level 2

When on off-site academic study or other field placement registered with BCN, visit any non-network doctor for medically necessary care (obtain prior authorization from BCN). Before you leave, complete the Off-Site Registration form and return it to BCN.

Level 3

When traveling or on school break, obtain medically necessary healthcare from any non-network provider (obtain prior authorization from BCN). Your out-of-pocket expenses for Level 3 are higher than Levels 1 and 2.

For All Levels

In a life-threatening emergency, visit any hospital and notify BCN as soon as possible, preferably within 48 hours. Elective hospitalizations and substance abuse care are not covered unless provided by GradCare network providers or approved by BCN in view of special circumstances.


Designed Specifically for Graduate Students
Three levels of coverage, based on your work status

If You

You Must To Receive
Live and work in the GradCare service area

Coordinate all your care through your Primary Care Physician

Receive care from a GradCare provider

The highest benefit levels, with low out-of-pocket expenses
Work on a department-approved appointment outside the GradCare service area Have your care pre-authorized by BCN to be covered The highest benefit levels, with low out-of-pocket expenses
Are outside the GradCare service area during nonworking periods

Have your care pre-authorized by BCN to be covered

Pay the difference between BCN-approved fees and the actual charge

The highest benefit levels, with higher out-of-pocket expenses

For more information, see the Summary of Benefits Coverage (SBC).

Spring/Summer Benefits Continuation for GSIs, GSSAs, and GSRAs



The University of Michigan in its sole discretion may modify, amend, or terminate the benefits provided with respect to any individual receiving benefits, including active employees, retirees, and their dependents. Although the university has elected to provide these benefits this year, no individual has a vested right to any of the benefits provided. Nothing in these materials gives any individual the right to continued benefits beyond the time the university modifies, amends, or terminates the benefit. Anyone seeking or accepting any of the benefits provided will be deemed to have accepted the terms of the benefits programs and the university's right to modify, amend or terminate them.