Group Health Insurance | Human Resources | Member Benefits | Small Business Association of Michigan
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Why SBAM?

Only SBAM focuses the buying power, political power and shared resources of thousands of small businesses to help you and your customer achieve more than they could on their own. 

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Group Health Insurance

Small Business Group Health Insurance

Smart entrepreneurs are risk-takers - except when it comes to health insurance coverage.  

At SBAM we know that when you are choosing small business health insurance plans that you're looking for one thing: value.  With Blue Cross® Blue Shield® of Michigan and Blue Care Network insurance programs from SBAM, you get the perfect mix of comprehensive coverage, affordable prices and administrative simplicity that will help you succeed.

SBAM Sponsored Small Group Plans






























When you choose the Small Business Association of Michigan for access to your health care coverage, you are joining an organization who recognizes the challenges of running a successful small business and is dedicated to removing the hassles of offering your employees a group benefit program. 

  • Members enrolled in our sponsored Blue Cross® Blue Shield® of Michigan and Blue Care Network health plans receive a FREE customized Summary Plan Description (SPD) to help keep you compliant with the US Department of Labor.  

  • Exclusive consolidated billing statement that includes insurance premiums along with the affordable fees for any of our additional services such as COBRA administration, Premium-Only Plan administration, life and disability. 

  • SBAM members receive exclusive access to our customer service department for help with claims and billing, ordering ID cards and much more. You will save time when adding, deleting, or changing employees from your employee benefits plan because our billing arrangement allows you to complete just one form for all of the plans we sponsor  - this includes BCBSM and BCN, Dearborn National®, and the administration of COBRA, Premium Only Plans, Flexible Spending Account (FSA), Health Savings Account (HSA) or Health Reimbursement Administration (HRA). 


If you need a quote for a Blue Cross or BCN health, vision or dental plan - and are not currently working with an insurance agent - please click here to access our Agent Directory and connect with someone in your area. 

If you are already enrolled in a Blue Cross or BCN plan and wish to change your existing sponsorship through another association or chamber to SBAM, submit a request in writing to your Managing Agent.  Please click here for sample change request letter.

Health Plans

Click here to view the Blue Cross and BCN plans available to SBAM members:

  • Classic Plans
  • Value Plans
  • Health Spending Account Options
  • Wellness Rewards

Health Plans Through A Private Exchange

coverageforcompanies™ is a private exchange that allows SBAM members the ability to offer a wide selection of Blue Cross and BCN group health plans to their employees. Defined contribution programs like coverageforcompanies™ allow employers the benefit of budget predictability. Employees benefit by choosing plans that best fit their needs. 

coverageforcompanies™ allows small businesses to offer their employees a choice of multiple plans while keeping your budget predictable. 

  • Provide the Blue Cross and BCN medical, prescription, dental and vision plans that your employees look for.
  • The defined contribution model gives you control of your benefit budget.
  • Your agent will assist you and your employees with plan selection.
  • You can easily track the progress of open enrollment, employee plan selection and payroll deductions.
  • You'll get an easy-to-use decision tool that helps employees with plan selection.

Dental Plans

It takes more than just medical care to maintain total body health. More than 120 serious health problems—including diabetes, heart disease and kidney failure—can cause signs and symptoms in and around the mouth. This means dentists are often the first health care professionals to notice them. And dental problems—especially gum disease—can make existing medical conditions worse.

View plan options

Vision Plans

Preventive care is a proven way to keep costs down. Vision insurance is one of the least expensive investments you can make in your employees' health.

  • Low exam copays
  • Extensive provider network, which now includes Costco Optical and Rx Optical