Ophthalmology and retina practices in Michigan
PlanOptica tracks 3 health and welfare plans sponsored by 3 ophthalmology and retina practices in Michigan, covering 358 participants and $4.5M in reported insurance premiums (plan year 2024 to 2025 filings). The median plan has 97 participants, and the most common size is under 100 participants (67% of plans). The funding mix is split: 33% of plans are self-funded or mixed and the rest are mainly fully insured.
Blue Cross Blue Shield of Michigan dominates premium with a 55% share, followed by Blue Care Network of Michigan at 21%. Lighthouse Group is the broker of record on 2 plans, more than any other firm, ahead of Zachary R. Haan (1). 100% of plans report broker compensation on Schedule A; the median brokered plan pays $47K a year, about 3.0% of premium. East Lansing, Traverse City and Novi have the most plans.
Funding mix
- Fully insured2 · 67%
- Mixed1 · 33%
Plan size (participants)
- Under 1002 · 67%
- 100 to 2490 · 0%
- 250 to 4991 · 33%
- 500 to 9990 · 0%
- 1,000 or more0 · 0%
Median plan: 97 participants. Median broker comp: 3.0% of premium across 3 brokered plans.
Top carriers, ophthalmology, Michigan
- 1Blue Cross Blue Shield of Michigan$2.5M2 plans · 54.9%
- 2Blue Care Network of Michigan$953K1 plans · 21.2%
- 3Priority Health$732K1 plans · 16.3%
- 4Delta Dental of Michigan$172K2 plans · 3.8%
- 5Unum Life Insurance Company of America$155K2 plans · 3.4%
- 6Continental American Insurance Company$12K1 plans · 0.3%
Top brokers, ophthalmology, Michigan
- 1Lighthouse Group2 plans$33K comp · 66.7%
- 2Zachary R. Haan1 plans$56K comp · 33.3%
- 3Edward C. Pierce1 plans$47K comp · 33.3%
- 4Douglas Calkins1 plans$22K comp · 33.3%
- 5Brian Bellware1 plans$13K comp · 33.3%
- 6Gibson Insurance Agency, Inc1 plans$5K comp · 33.3%
- 7MSMS Physician Services, Inc1 plans$2K comp · 33.3%
Largest ophthalmology and retina practices in Michigan
| Employer / plan | City | Funding | Participants | Premium | Primary carrier |
|---|---|---|---|---|---|
| Lansing Ophthalmology PC L.O. Eye Care Flexible Benefit PlanAll plans | East Lansing | Fully insured | 261 | $2.1M | Blue Cross of California |
| Grand Traverse Ophthalmology Clinic Grand Traverse Ophthalmology ClinicAll plans | Traverse City | Mixed | 97 | $791K | Priority Health |
| Associated Retinal Consultants Associated Retinal Consultants Employee Health & Welfare Benefits PlanAll plans | Novi | Fully insured | 0 | $1.6M | Blue Care Network of Michigan |
Plans by city in Michigan
Frequently asked questions
How many ophthalmology and retina practices in Michigan offer an ERISA health plan?
3 health and welfare plans from 3 ophthalmology and retina practices in Michigan appear in plan year 2024 to 2025 filings on Form 5500, covering 358 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 ophthalmology and retina practices in Michigan?
By Schedule A premium: Blue Cross Blue Shield of Michigan (55% of premium, 2 plans), Blue Care Network of Michigan (21% of premium, 1 plan) and Priority Health (16% of premium, 1 plan).
Which benefits brokers work with ophthalmology and retina practices in Michigan?
By number of client plans: Lighthouse Group (2 plans), Zachary R. Haan (1 plan) and Edward C. Pierce (1 plan). 100% of plans report a broker.
How much do brokers earn on ophthalmology and retina practices health plans in Michigan?
The median brokered plan reports $47K a year in broker commissions and fees, or 3.0% of premium. Figures come from Schedule A, Part I.
Are ophthalmology and retina practices health plans in Michigan self-funded or fully insured?
Fully insured 67% and mixed 33%. Self-funded and mixed plans together make up 33%.
Where does this data come from?
U.S. Department of Labor Form 5500 filings and their Schedule A insurance attachments, latest filing per plan. Ophthalmologists file as physicians (NAICS 621111), so this page matches healthcare employers by name: ophthalmology, retina, eye institute, eye center, eye associates, eye physicians, eye specialists and eye surgeons.
Prospect ophthalmology and retina practices 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.
Ophthalmology 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). Ophthalmologists file as physicians (NAICS 621111), so this page matches healthcare employers by name: ophthalmology, retina, eye institute, eye center, eye associates, eye physicians, eye specialists and eye surgeons. Location is the sponsor's filing address in Michigan.