The Lutheran Church Michigan District Association
is one of the 10 largest Associations with Blue Cross Blue Shield
of Michigan and Blue Care Network. The LCMD Association provides
medical protection to over 80% of the LCMS workers in the state
of Michigan. Lutheran Benefits Group is an authorized independent
agent who administers
the LCMD Association through BCBSM and BCN. We are proud to work
with the Blues, Michigan's most trusted name in health care. The
participating member churches, schools and institutions have the
Some of the
benefits that each member enjoys:
Choices -- This allows your group to choose the
plan(s) that best fit your church, school or institution's individual
situation. Not only are you able to offer your employees a wider
range of products, but this also allows you to customize your
plan(s) around your budgetary needs.
Choices -- Offers your employees the greatest
number of doctors, hospitals and health care professionals with
worldwide coverage. Being insured with BCBSM and BCN you are receiving
the highest possible provider savings in the state.
of an Employee Benefit -- Coverage is available
for the surviving spouse and eligible dependents until they no
longer qualify for dependent status or until the plan is terminated,
whichever comes first.
Benefits -- Retirees and spouses are eligible to
choose from different retirement supplements with all available
benefits such as prescription drug coverage, dental and vision
Rider -- BCBSM and BCN created an abortion rider
for the LCMD Association that excludes benefits for any medical
services specifically intended to terminate a pregnancy. However,
treatment for complications arising from a pregnancy making it
necessary to save the mother will still be covered.
Service -- Our staff serves as your Human Resources
Department, changes, additions and deletions are quickly
processed for your group(s) with our direct on-line access to
BCBSM and BCN. Because of this service, questions and problems
are answered for you or your employees in a timely manner. Our
knowledgeable and enthusiastic staff wants to assist you.
Third Party Administered COBRA Program*
-- Available at no cost to churches, schools, and institutions
who would like this service or are required to comply under the
COBRA law (the Consolidated Omnibus Budget Reconciliation Act).
COBRA accounts are set-up and managed for those employees that
need to extend coverage after employment.
Section 125/Cafeteria Plan* --For groups that are
eligible, this allows your employees to pay for health care and
dependent care expenses and/or premiums with pre-tax dollars.
For this benefit, Lutheran Benefit Group covers the set-up
Buyout Document Benefit* -- Available at no cost
to churches, schools and institutions who choose to offer compensation
in lieu of health benefits. This legal document is IRS compliant
to provide a buyout to employees.
-- Lutheran Benefits Group is a generous supporter of our Lutheran Institutions with contributions to conferences and events of the Michigan District and English District.
* These services are available to those churches, schools
and institutions that wish to participate.
If you would like more information regarding the
benefits of our association, feel free to email us at Lutheran
Benefits Group. Lutheran Benefits Group is an authorized independent
agent of BCBSM and BCN.