2024-11-15T09:52:59+00:00 2023-12-31 346565596 ERNST & YOUNG US LLP 200 CLARENDON STREET BOSTON MA 021165072 990 2023-01-01 382359234 Blue Care Network of Michigan BLUE 3132256688 600 EAST LAFAYETTE BLVD MC 1816 DETROIT MI 48226 DAVID JACKSON CORPORATE TAX ADVISOR 3132259628 2024-11-15 true Mike A Cincotta P01595811 6172662000 2023-11-15 2023 2024-10-15 13:58:12Z WAYMOND HARRIS 600 EAST LAFAYETTE BLVD MC 1816 DETROIT MI 48226 4596579468 false X WWW.BCBSM.COM X 1981 MI BLUE CARE NETWORK PROVIDES HEALTH CARE SERVICES TO SUBSCRIBERS THROUGH CONTRACTS IT HAS ENTERED INTO WITH VARIOUS PHYSICIAN GROUPS, HOSPITALS AND OTHER HEALTH CARE PROVIDERS. 15 12 0 13 2147535 1001394 0 4198253676 4418345676 -44257010 64805956 0 4153996666 4483151632 0 3639672391 3821236215 271876450 284692894 0 0 330392275 372742142 4241941116 4478671251 -87944450 4480381 2627985022 2619529328 934519698 835295348 1693465324 1784233980 BLUE CARE NETWORK PROVIDES HEALTH CARE SERVICES TO SUBSCRIBERS THROUGH CONTRACTS IT HAS ENTERED INTO WITH VARIOUS PHYSICIAN GROUPS, HOSPITALS, AND OTHER HEALTH CARE PROVIDERS. false false 3971546636 4362938037 BCN'S PROGRAM SERVICE ACCOMPLISHMENTS: BCN IS COMMITTED TO SUPPORT PEOPLE HELPING PEOPLE, TO PROMOTE HEALTH AND PEACE OF MIND THROUGH HIGH QUALITY CARE AND SERVICE, AND PARTNERING TO MANTAIN AND IMPROVE HEALTH. BCN 2023 STATISTICS: HEALTH CARE SERVICES-MEMBER BASED AS WELL AS FEE-FOR-SERVICE, 648,197 MEMBERS AND 6,904,411 AMBULATORY ENCOUNTERS. 2023 COMMUNITY BENEFIT - BCN PARTIPATED IN 76 SEPARATE ACTIVITIES, TOTALING OVER $350,630. THIS WAS ACCOMPLISHED THROUGH COMMUNITY OUTREACH AND CHARITABLE CONTRIBUTIONS, TO BENEFIT THE GENERAL PUBLIC AND SUPPORT WELLNESS. CONNECTIONS WITH INDIVIDUALS AND SMALL BUSINESSES HELPED SUPPORT MULTIPLE HEALTH INITIATIVES. 2023 SOCIAL MISSION AND PUBLIC AFFAIRS - BCN IS COMMITTED TO IMPROVE THE HEALTH OF MICHIGAN RESIDENTS, WITH SPECIAL EMPHASIS ON THE HEALTH AND WELLNESS OF CHILDREN AND SENIORS, WHILE REDUCING THE COST OF HEALTH CARE. PROACTIVE INITIATIVES INCLUDE NUTRITION AND HEALTHY LIFESTYLES, HEALTHY AGING AND MENTAL HEALTH. PRINCIPLES INCLUDE EMPOWERING INDIVIDUALS AND COMMUNITIES TO TAKE ACTIVE ROLES IN CREATING A CULTURE OF HEALTH; PROVIDING LEADERSHIP AS AN INFORMED CONVENER AND EDUCATOR TO HELP RAISE AWARENESS AND UNDERSTANDING OF IMPORTANT HEALTH ISSUES AND EFFECTIVE APPROACHES. 34072524 55407639 PROGRAM EXPENSES RELATED TO SELF-FUNDED BUSINESS AS A RESULT OF A RECENT CHANGE IN THE MICHIGAN INSURANCE CODE. HEALTH MAINTENANCE ORGANIZATIONS ARE PERMITTED TO DIRECTLY CONTRACT WITH GROUPS TO ADMINISTER SELF-FUNDED GROUP HEALTH PLANS. EFFECTIVE JANUARY 1, 2018 BCN BEGAN PROVIDING ADMINISTERING SERVICE ONLY (ASO) PLANS THAT ARE SUBSTANTIALLY RELATED TO BCN'S EXEMPT PURPOSES. AS A 501(C)(4) ENTITY BCN IS PROVIDING THE SAME CLAIMS PROCESSING, ADMINISTRATIVE SERVICES AND PROVIDER NETWORK FOR ITS ASO CUSTOMERS AS IT DOES FOR THE UNDERWRITTEN CUSTOMERS. 4005619160 false false false false false false false false false false false false false true true true true false false false false false false false false false false false true false false false false false false false false false false false false false true true false false true X 11218 0 true 0 true true false false false false false false false X 15 12 false false false false true true false true false false false false true true true true true false true false MI X MaryBeth Kitzmiller 3132256688 600 EAST LAFAYETTE BLVD MC 1816 DETROIT MI 48226 Kathryn Levine VP & Pres & CEO BCN 23.0 25.0 X X 0 1906478 531982 Paul Mozak Director & Officer - EVP & CFO 1.0 49.0 X X 0 4215516 876056 Bruce Wolf Director 1.0 1.0 X 69072 0 0 Gregory Sudderth Director 1.0 0.0 X 62072 0 0 Julie Angott Director 1.0 0.0 X 69072 0 0 Kenneth Dallafior EVP President Hlth Plan Bus 1.0 44.0 X 0 6099628 1067677 M Roy Wilson Contractor 0.0 0.0 X 55063 0 0 Mary Ann Weaver Director 1.0 0.0 X 62072 0 0 Melvin Larsen Director 1.0 1.0 X 69072 0 0 Paula Manderfield Director 1.0 0.0 X 69072 0 0 Richard Posthumus Director 1.0 0.0 X 62072 0 0 Robert Paul Kelch Director 1.0 1.0 X 62072 0 0 Sarah Doyle Director 1.0 1.0 X 62072 0 0 Valeriah A Holmon Director 1.0 1.0 X 62072 0 0 William Black Director 1.0 1.0 X 102072 0 0 Sheela Manyam Sr Dir Corp Perfrmnce & Admin 55.0 0.0 X 0 292977 103567 Tiffany Otis-Albert Officer - SVP Health Plan Business 0.0 60.0 X 0 2216958 371162 Waymond Harris Officer - SVP & Treasurer 20.0 30.0 X 0 1992506 268062 Jac Amerell VP & Controller 9.0 32.0 X 0 951180 149247 Joseph J Radtka VP Enterprise Finance and Chief Risk Officer 10.0 40.0 X 0 1133977 196391 Lisa Hardy VP Bus Perf & Execution BCN 50.0 0.0 X 0 662263 202454 Rajesh Vunnam Sr Director BCN IT 21.0 30.0 X 0 464489 113713 Carl Siebers VP Claims Operations 0.0 0.0 X 0 775116 344542 James P Kallas Former VP and Treasurer 0.0 0.0 X 0 0 200230 Kevin Klobucar EVP Health Care Value 0.0 0.0 X 0 604465 0 Marc Keshishian MD VP HL & CLN AFS & BCN SVP CMO 0.0 0.0 X 0 312854 0 Mark Bartlett Former Director 0.0 0.0 X 0 2861811 0 Phillip Gillespie VP Bus & Program Dev &Reg Exec 0.0 0.0 X 0 540579 154984 805855 25030797 4580067 1 true true false REGENTS OF THE UNIVERSITY OF MICHIGAN 700 KMS PL ANN ARBOR MI 481081652 HEALTH CARE 549511099 HENRY FORD HEALTH SYSTEM PO BOX 670884 DETROIT MI 482020000 HEALTH CARE 155619558 SPECTRUM HEALTH HOSPITALS PO BOX 2127 Grand Rapids MI 495012127 HEALTH CARE 145438131 WILLIAM BEAUMONT HOSPITAL PO BOX 5042 TROY MI 480075042 HEALTH CARE 144635220 ST JOSEPH MERCY HOSPITAL PO BOX 776499 CHICAGO IL 606776499 HEALTH CARE 111332283 1896 0 PREPAID HEALTH CARE 524298 4367670113 4367670113 SELF-FUNDED REVENUE 524292 50655712 50655712 NON-SUBSCRIBER REVENUE 524298 19851 19851 0 0 0 0 4418345676 79212575 574297 78638278 0 0 99021217 113427836 -14406619 0 -14406619 1573238 -15979857 0 0 0 0 0 4483151632 4418345676 2147535 62658421 3821236215 3821236215 301406 301406 270028908 102293300 167735608 14362580 5450793 8911787 3023919 1320784 1703135 30316684 11502466 18814218 4646168 4646168 0 0 0 0 8165358 3098863 5066495 10222907 3879731 6343176 8869207 3365984 5503223 2748237 1042993 1705244 57976907 22003017 35973890 1673954 549898 1124056 AGENT/BROKER FEES 95702788 95702788 CLAIMS ADJUSTMENTS 68699280 26960739 41738541 PREMIUM DEFICIENCY RESERVE 31070000 31070000 LICENSES & FEES 25101647 1787483 23314164 24525086 825488 23699598 0 4478671251 4005619160 473052091 0 75821671 61348005 277159000 367150278 0 0 0 0 0 0 0 0 2275004151 2191030845 200 200 0 0 0 2627985022 2619529328 409661230 333099298 107907176 92744204 0 0 50044625 50044625 366906667 359407221 934519698 835295348 X 10000 10000 152249736 152249736 1541205588 1631974244 1693465324 1784233980 2627985022 2619529328 X 4480381 49391215 36897060 X false true X true false IBNR LIABILITIES 359407221 DEFERRED TAXES 359407221 X Schedule D, Part X, Line 2 FIN 48 (ASC 740) footnote Under SSAP No. 5R - Liabilities, Contingencies and Impairments of Assets, BCN is required to evaluate all tax positions as to their relative certainty and uncertainty. On examination of all relevant facts and circumstances for BCN's tax issues, it was determined that there were no uncertain tax positions for the years ended December 31, 2023 and 2022. BCN does not expect there to be a significant change in uncertain tax positions within the next 12 months. false true false false false false false false false Paul Mozak Director & Officer - EVP & CFO 0 892095 0 3073681 0 249740 0 849647 0 26409 0 5091572 0 0 Kathryn Levine VP & Pres & CEO BCN 0 634790 0 1079400 0 192288 0 483806 0 48176 0 2438460 0 0 Kenneth Dallafior EVP President Hlth Plan Bus 0 1032578 0 4615922 0 451128 0 1004483 0 63194 0 7167305 0 0 James P Kallas Former VP and Treasurer -200230 0 200230 0 0 0 200230 0 0 0 200230 0 0 0 Mark Bartlett Former Director 0 600 0 2855130 0 6081 0 0 0 0 0 2861811 0 0 Kevin Klobucar EVP Health Care Value 0 0 0 600806 0 3659 0 0 0 0 0 604465 0 0 Carl Siebers VP Claims Operations 0 364109 0 368755 0 42252 0 316679 0 27863 0 1119658 0 0 Phillip Gillespie VP Bus & Program Dev &Reg Exec 0 229780 0 279928 0 30871 0 126557 0 28427 0 695563 0 0 Marc Keshishian MD VP HL & CLN AFS & BCN SVP CMO 0 0 0 304919 0 7935 0 0 0 0 0 312854 0 0 Waymond Harris Officer - SVP & Treasurer 0 572749 0 1282259 0 137498 0 242153 0 25909 0 2260568 0 0 Tiffany Otis-Albert Officer - SVP Health Plan Business 0 653868 0 1383758 0 179332 0 343735 0 27427 0 2588120 0 0 Sheela Manyam Sr Dir Corp Perfrmnce & Admin 0 200279 0 77530 0 15168 0 71199 0 32368 0 396544 0 0 Joseph J Radtka VP Enterprise Finance and Chief Risk Officer 0 396364 0 661104 0 76509 0 168964 0 27427 0 1330368 0 0 Jac Amerell VP & Controller 0 390011 0 524252 0 36917 0 139683 0 9564 0 1100427 0 0 Lisa Hardy VP Bus Perf & Execution BCN 0 285079 0 344563 0 32621 0 172861 0 29593 0 864717 0 0 Rajesh Vunnam Sr Director BCN IT 0 316089 0 118371 0 30029 0 104419 0 9294 0 578202 0 0 Schedule J, Part I, Line 3 Arrangement used to establish the top management official's compensation THE COMPENSATION STRATEGY IS DESIGNED TO ENSURE THAT AN APPROPRIATE BALANCE EXISTS BETWEEN INTERNAL EQUITY CONSIDERATIONS AND MARKET COMPENSATION FACTORS AND PRACTICES. MARKET DATA FROM THIRD PARTY EXECUTIVE COMPENSATION SURVEYS AND INDEPENDENT COMPENSATION CONSULTANTS ARE USED TO DETERMINE THE PRESIDENT/CEO'S COMPENSATION. THE COMPENSATION RECOMMENDATIONS ARE REVIEWED BY BLUE CROSS BLUE SHIELD OF MICHIGAN MUTUAL INSURANCE COMPANY (BCBSM), PERSONNEL AND COMPENSATION SUBCOMMITTEE AND EXECUTIVE COMMITTEE. THE ORGANIZATION'S PRESIDENT/CEO IS ALSO AN EXECUTIVE OF THE PARENT, BCBSM, AND AS SUCH, THE COMPENSATION IS SUBJECT TO REVIEW BY THE BCBSM EXECUTIVE COMMITTEE. Schedule J, Part I, Line 4b Supplemental nonqualified retirement plan THE NONQUALIFIED PENSION PLAN PROVIDES RETIREMENT BENEFITS FOR A GROUP OF KEY EMPLOYEES UNDER NONQUALIFIED DEFINED PENSION PLANS. THE GENERAL PURPOSE OF THE PLAN IS TO PROVIDE ADDITIONAL RETIREMENT BENEFITS TO PARTICIPANTS WHO ARE SUBJECT TO THE CONTRIBUTION AND BENEFIT LIMITATION APPLICABLE TO TAX-QUALIFIED PLANS UNDER IRC. BENEFITS UNDER THE PLAN ARE FUNDED AND PAID OUT OF THE GENERAL ASSETS OF THE CORPORATION. THESE AMOUNTS ARE ACCRUED AND ELIGIBLE TO BE PAID OUT WITHIN 2023. TIFFANY OTIS-ALBERT - $162,472 JAC AMERELL - $26,872 Scott Betzelos - $14,939 KENNETH Dallafior - $659,467 PHILLIP Gillespie - $3,480 Peter Graham - $3,329 LISA Hardy - $20,991 WAYMOND Harris - $103,205 KATHRYN Levine - $214,404 PAUL Mozak - $300,518 JOSEPH Radtka - $70,258 CARL Siebers - $31,787 RAJESH Vunnam - $17,040 Form 990, Part V, Line 15 THE INDIVIDUALS WHO RECEIVE RENUMERATION ABOVE $1M ARE COVERED EMPLOYEES OF BLUE CROSS BLUE SHIELD OF MICHIGAN MUTUAL INSURANCE COMPANY (EIN 38-2069753). THEREFORE, THE RENUMERATION OF THE COVERED EMPLOYEES IS SUBJECT TO LIMITATION UNDER IRC SECTION 162(M)(6) AND NO AMOUNTS ARE SUBJECT TO EXCISE TAX UNDER IRC SECTION 4960. Form 990, Part VI, Line 6 Classes of members or stockholders 100% STOCKHOLDER BLUE CROSS BLUE SHIELD OF MICHIGAN MUTUAL INSURANCE COMPANY. Form 990, Part VI, Line 7a Members or stockholders electing members of governing body BLUE CROSS BLUE SHIELD OF MICHIGAN MUTUAL INSURANCE COMPANY, AS A 100% STOCKHOLDER, HAS THE RIGHT TO APPOINT BOARD DIRECTORS. BCN'S MEMBERS ELECT THE REMAINING BOARD DIRECTORS. Form 990, Part VI, Line 11b Review of form 990 by governing body NO REVIEW WAS CONDUCTED BY THE GOVERNING BODY. THE Corporate Tax Manager, Rachel Allen, REVIEWS THE FORM 990 BEFORE IT IS FILED WITH THE INTERNAL REVENUE SERVICE. Form 990, Part VI, Line 12c Conflict of interest policy EACH BOARD MEMBER AND CORPORATE OFFICER ANNUALLY COMPLETES A CONFLICT OF INTEREST DISCLOSURE QUESTIONNAIRE. THE QUESTIONNAIRES ARE REVIEWED TO IDENTIFY ANY POSSIBLE CONFLICTS AND DETERMINE HOW TO RESOLVE THEM. Form 990, Part VI, Line 15b Process to establish compensation of other employees THE COMPENSATION RECOMMENDATIONS FOR BLUE CARE NETWORK'S OFFICERS ARE REVIEWED AND APPROVED BY BLUE CROSS BLUE SHIELD OF MICHIGAN MUTUAL INSURANCE COMPANY (BCBSM), PERSONNEL AND COMPENSATION SUBCOMMITTEE AND EXECUTIVE COMMITTEE. Form 990, Part VI, Line 19 Required documents available to the public GOVERNING DOCUMENTS - NO DOCUMENTS AVAILABLE TO THE PUBLIC; CONFLICT OF INTEREST POLICY - NO DOCUMENTS AVAILABLE TO THE PUBLIC; AUDITED STATUTORY - BASIS FINANCIAL STATEMENTS - ARE AVAILABLE TO THE PUBLIC FROM THE NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS AND THE DEPARTMENT OF INSURANCE AND FINANCIAL SERVICES. Form 990, Part VII, Section A Part VII - Compensation RELATED ORGANIZATIONS: BLUE CARE NETWORK OF MICHIGAN HAS ASSIGNED EMPLOYEES FROM ITS ULTIMATE PARENT, BLUE CROSS BLUE SHIELD OF MICHIGAN MUTUAL INSURANCE COMPANY, (BCBSM). THE EXPENSES ASSOCIATED WITH THESE INDIVIDUALS ARE REFLECTED ON FORM 990, PART IX, LINE 5 AND LINE 7. PAYMENTS WERE MADE TO BCBSM THROUGH AN INTERCOMPANY AGREEMENT. NO EMPLOYEES WERE REFLECTED ON PART V, LINE 2A SINCE THE ACTUAL W-2'S AND 941'S ARE REPORTED BY BCBSM. COMPENSATION PAID TO THE EXECUTIVE DIRECTOR AND CEO, OFFICERS AS WELL AS FORMER OFFICERS, DIRECTORS, KEY EMPLOYEES AND HIGHLY COMPENSATED EMPLOYEES, BY THE PARENT COMPANY AND REIMBURSED BY BLUE CARE NETWORK, IS INCLUDED ON FORM 990, PART VII, SECTION A. CURRENT OFFICERS, DIRECTORS, TRUSTEES AND KEY EMPLOYEES THAT ARE ASSIGNED BY THE FILING ORGANIZATION OR BY A RELATED ORGANIZATION SPLIT THEIR TIME AS NEEDED BETWEEN THE FILING ENTITY AND RELATED ORGANIZATIONS. A PER WEEK ESTIMATE FOR THE FILING ORGANIZATION AND RELATED ORGANIZATIONS IS REFLECTED ON THE FILING ENTITY'S PART VII, COLUMN B, WITH THE COMPLETE REPORTABLE COMPENSATION FROM THE FILING ORGANIZATION AND RELATED ORGANIZATIONS REFLECTED IN COLUMN D AND COLUMN E, AS APPROPRIATE. Form 990, Part XI, Line 9 Other changes in net assets or fund balances GAAP to STAT adjustments - 36897060; Form 990, Part XII, Line 2b FORM 990 IS FILED BASED ON THE GAAP METHOD OF ACCOUNTING, ADJUSTED TO TAX. IN 2023, SEPARATE STAT BASIS AUDITED FINANCIAL STATEMENTS WERE ISSUED BY INDEPENDENT AUDITORS. THE BCN AUDIT COMMITTEE ASSUMES RESPONSIBILITY FOR OVERSIGHT OF THE ANNUAL INDEPENDENT AUDIT. BCBS FOUNDATION OF MICHIGAN 600 LAFAYETTE BLVD EAST DETROIT MI 48226 382338506 GRANTS MI 501(c)(3) Type I BCN true BLUE CROSS BLUE SHIELD OF MICHIGAN 00 LAFAYETTE EAST DETROIT MI 48226 382069753 INSURANCE MI NA C Corporation false ACCIDENT FUND INSURANCE CO-AMERICA 200 N GRAND RIVER LANSING MI 48901 383207001 INSURANCE MI NA C Corporation false LIFESECURE INSURANCE COMPANY 10559 CITATION DR 300 BRIGHTON MI 48116 750956156 INSURANCE MI NA C Corporation false BLUE CROSS COMPLETE OF MICHIGAN LLC 200 STEVENS DR PHILADELPHIA PA 19113 472582248 HMO MI NA C Corporation false WOODWARD STRAITS INSURANCE COMPANY 600 EAST LAFAYETTE DETROIT MI 48226 472221114 INSURANCE MI NA C Corporation false AMERIHEALTH CARITAS HEALTH PLAN 200 STEVENS DR PHILADELPHIA PA 19113 232859523 CARE MGT PA NA C Corporation false COBX CO 1000 TOWN CENTER SOUTHFIELD MI 48075 813438452 CARE MGT MI NA C Corporation false TESSELLATE LLC 600 E LAFAYETTE DETROIT MI 48226 453742721 SERVICE DE NA C Corporation false false false true false false false false false false false true true true true true true true true true