Behavioral and mental health providers in Michigan
PlanOptica tracks 20 health and welfare plans sponsored by 19 behavioral and mental health providers in Michigan, covering 4,261 participants and $24M in reported insurance premiums (plan year 2024 to 2025 filings). The median plan has 172 participants, and the most common size is 100 to 249 participants (70% of plans). The funding mix is split: 30% of plans are self-funded or mixed and the rest are mainly fully insured.
Blue Care Network of Michigan dominates premium with a 50% share, followed by Blue Cross Blue Shield of Michigan at 26%. Marsh & McLennan Agency, LLC is the broker of record on 5 plans, more than any other firm, ahead of Rebecca a McLaughlan (3). 100% of plans report broker compensation on Schedule A; the median brokered plan pays $63K a year, about 6.3% of premium. Detroit, Novi and Richmond have the most plans.
Funding mix
- Fully insured14 · 70%
- Mixed6 · 30%
Plan size (participants)
- Under 1003 · 15%
- 100 to 24914 · 70%
- 250 to 4992 · 10%
- 500 to 9990 · 0%
- 1,000 or more1 · 5%
Median plan: 172 participants. Median broker comp: 6.3% of premium across 20 brokered plans.
Top carriers, behavioral health, Michigan
- 1Blue Care Network of Michigan$12M10 plans · 50.2%
- 2Blue Cross Blue Shield of Michigan$6.1M9 plans · 25.5%
- 3Alliance Health & Life Insurance Plan$1.1M1 plans · 4.7%
- 4Reliastar Life Insurance Company$773K1 plans · 3.2%
- 5Metropolitan Life Insurance Company$692K4 plans · 2.9%
- 6United of Omaha Life Insurance Company$592K4 plans · 2.5%
- 7Delta Dental of Michigan$550K6 plans · 2.3%
- 8Unum Life Insurance Company of America$391K3 plans · 1.6%
- 9The Guardian Life Insurance Company of America$344K2 plans · 1.4%
- 10Principal Life Insurance Company$258K3 plans · 1.1%
Top brokers, behavioral health, Michigan
- 1Marsh & McLennan Agency, LLC5 plans$139K comp · 25.0%
- 2Rebecca a McLaughlan3 plans$260K comp · 15.0%
- 3Centro Benefits Research LLC3 plans$21K comp · 15.0%
- 4Kapnick & Company Inc2 plans$105K comp · 10.0%
- 5Christopher M Bouschet2 plans$52K comp · 10.0%
- 6Cambridge Consulting Group LLC2 plans$39K comp · 10.0%
- 7Cbiz Benefits & Insurance Svcs Inc2 plans$31K comp · 10.0%
- 8Assuredpartners2 plans$6K comp · 10.0%
- 9Thomas J Shugar1 plans$93K comp · 5.0%
- 10Cameron M. Kennedy1 plans$75K comp · 5.0%
Largest behavioral and mental health providers in Michigan
| Employer / plan | City | Funding | Participants | Premium | Primary carrier |
|---|---|---|---|---|---|
| Pine Rest Christian Mental Health Services Pine Rest Christian Mental Health Services Employee Benefits PlanAll plans | Grand Rapids | Mixed | 1,124 | $773K | Reliastar Life Insurance Company |
| CNS Healthcare Welfare Plan of CNS HealthcareAll plans | Novi | Mixed | 375 | $815K | Blue Cross of California |
| Southwest Solutions Southwest Solutions Employee Benefits PlanAll plans | Detroit | Fully insured | 258 | $2.8M | Blue Care Network of Michigan |
| Sacred Heart Rehabilitation Center, Inc Sacred Heart Rehabilitation Center Welfare Benefit PlanAll plans | Richmond | Fully insured | 224 | $282K | Metropolitan Life Insurance Company |
| Walloon Lake Recovery Lodge, LLC Walloon Lake Disability and Life PlanAll plans | Boyne Falls | Fully insured | 218 | $134K | Equitable Financial Life Insurance Company of America |
| Thunder Bay Community Health Service, Inc Thunder Bay Community Health Service, IncAll plans | Alpena | Mixed | 211 | $531K | United of Omaha Life Insurance Company |
| The Healing Haven, LLC The Healing Haven, LLC Employee Benefits PlanAll plans | Madison Heights | Fully insured | 192 | $594K | Blue Care Network of Michigan |
| Lakeland Immediate Care Center Cassopolis Family ClinicAll plans | Cassopolis | Fully insured | 183 | $2.0M | Blue Cross of California |
| Victory Clinical Services Victory Clinical ServicesAll plans | Kalamazoo | Fully insured | 173 | $15K | United of Omaha Life Insurance Company |
| Workit Health, Inc Workit Health Inc, Health and Welfare Benefits PlanAll plans | Ann Arbor | Mixed | 171 | $204K | Principal Life Insurance Company |
| The Childrens Center of Wayne County The Childrens Center of Wayne County Welfare Benefit PlanAll plans | Detroit | Mixed | 153 | $2.0M | Blue Care Network of Michigan |
| Lincoln Behavioral Services Lincoln Behavioral Services Health and Welfare Benefits PlanAll plans | Redford | Fully insured | 150 | $2.5M | Blue Care Network of Michigan |
| New Oakland Family Centers Ismail B. Sendi M.D., P.C. Dba New Oakland Family Centers Health and Welfare Benfits PlanAll plans | Clarkston | Fully insured | 147 | $1.2M | Blue Care Network of Michigan |
| Training and Treatment Innovations, Inc Training & Treatment Innovations, Inc. Welfare Benefit PlanAll plans | Oxford | Mixed | 144 | $1.9M | Blue Cross of California |
| Ulliance, Inc Ulliance, Inc. Employee Benefits PlanAll plans | Troy | Fully insured | 115 | $899K | Blue Care Network of Michigan |
Showing 15 of 19 employers. Filter the full list by size, funding, carrier and broker.
Plans by city in Michigan
- Detroit4 plans · 503 participants
- Novi2 plans · 485 participants
- Richmond2 plans · 445 participants
- Grand Rapids1 plans · 1,124 participants
- Boyne Falls1 plans · 218 participants
- Alpena1 plans · 211 participants
- Madison Heights1 plans · 192 participants
- Cassopolis1 plans · 183 participants
- Kalamazoo1 plans · 173 participants
- Ann Arbor1 plans · 171 participants
- Redford1 plans · 150 participants
- Clarkston1 plans · 147 participants
Frequently asked questions
How many behavioral and mental health providers in Michigan offer an ERISA health plan?
20 health and welfare plans from 19 behavioral and mental health providers in Michigan appear in plan year 2024 to 2025 filings on Form 5500, covering 4,261 participants. Plans with fewer than 100 participants that are fully insured do not have to file, so small practices are under-counted.
Which insurance carriers cover the most behavioral and mental health providers in Michigan?
By Schedule A premium: Blue Care Network of Michigan (50% of premium, 10 plans), Blue Cross Blue Shield of Michigan (26% of premium, 9 plans) and Alliance Health & Life Insurance Plan (5% of premium, 1 plan).
Which benefits brokers work with behavioral and mental health providers in Michigan?
By number of client plans: Marsh & McLennan Agency, LLC (5 plans), Rebecca a McLaughlan (3 plans) and Centro Benefits Research LLC (3 plans). 100% of plans report a broker.
How much do brokers earn on behavioral and mental health providers health plans in Michigan?
The median brokered plan reports $63K a year in broker commissions and fees, or 6.3% of premium. Figures come from Schedule A, Part I.
Are behavioral and mental health providers health plans in Michigan self-funded or fully insured?
Fully insured 70% and mixed 30%. Self-funded and mixed plans together make up 30%.
Where does this data come from?
U.S. Department of Labor Form 5500 filings and their Schedule A insurance attachments, latest filing per plan. Psychiatrists (NAICS 621112), mental health practitioners (621330), outpatient mental health and substance abuse centers (621420), plus healthcare employers whose name says behavioral health, mental health or psychiatry.
Prospect behavioral and mental health providers in Michigan
Open the welfare search with Michigan and this sector prefilled. Narrow by participants, funding type, carrier, broker and broker compensation, then save the view or export it.
Behavioral health in nearby states
Other healthcare specialties in Michigan
Source: U.S. Department of Labor Form 5500 and Schedule A, latest filing per plan (plan years 2024-2025). Psychiatrists (NAICS 621112), mental health practitioners (621330), outpatient mental health and substance abuse centers (621420), plus healthcare employers whose name says behavioral health, mental health or psychiatry. Location is the sponsor's filing address in Michigan.