Michigan Teamsters - Welfare Fund

MEDICAL FAQs

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Listed below are some of the most commonly asked questions concerning medical benefits. They are listed in a question and answer format for easy reference. Please be advised these questions discuss some of the many medical benefits offered by the Michigan Conference of Teamsters Welfare Fund and do not necessarily describe your benefit plan. If you are unsure which medical benefits are available under your medical benefit plan, please contact our Customer Communications Department at (313) 964-2400, or 800-572-7687 for benefit clarification.

What provider networks are available to me?

If I reside in Michigan but am traveling outside the state, are there BCBS PPO Network providers available to me?

When do I present my MCTWF Networks Card and when do I present my Blue Cross ID card?

How will I know if my current physician is in the BCBS PPO Network?

If my current physician is not a BCBS PPO Network physician, what are my out-of-pocket expenses?

If my BCBS PPO Network physician tells me that I need a specialist, but there are no specialists to treat my condition located in my geographic area, can I get a referral to a non-BCBS PPO Network physician and get the same benefits?

Should I ever call Blue Cross Blue Shield or MultiPlan when I have a question about a claim payment?

Are there certain services that I must get prior authorization for before the service can be performed?

If I go to a BCBS PPO Network hospital and the doctor or other healthcare professional that treats me is a non-BCBS PPO Network provider, will benefits for those professional services be subject to out-of-network benefit levels?

It is my understanding that there are certain provider categories that do not participate in the BCBS PPO Network but do participate in the BCBS Traditional Network. If I receive services from such providers will they be treated as out-of-network?