Welcome

Helping you and your family reach and maintain good health is very important to Michigan First Credit Union. Michigan First Credit Union is pleased to offer a selection of benefits designed with your health and financial wellbeing in mind. We review our benefit programs each year to ensure we consider the best combination of benefit coverage, network access and affordability for team members. Annual open enrollment is your opportunity to learn about the 2022 Health Care Program, review your current coverage and choose the best options for you and your family.


Here's what you'll need to do to get started:

  • View your applicable Benefits Highlighter and Rate Sheet.
  • View your applicable benefits materials in the Benefits Overview section.
  • Follow the instructions in the How to Enroll section.
  • Watch the Educational Videos and view the Additional Resources to learn more about your benefits program.
Full-Time Team Members Benefits Highlighter

Full-Time Team Members Benefits Highlighter

Part-Time Team Members Benefits Highlighter

Part-Time Team Members Benefits Highlighter

Benefits Overview

EXCITING NEWS! Our benefit plans and premium contributions are staying the same for 2022!


Michigan First Credit Union remains committed to providing a competitive, cost-effective benefit program. We are pleased and excited to announce that there will be NO changes to benefit offerings NOR contribution rates for the upcoming year. Despite the tremendous increase in claims throughout the country as a result of the pandemic, we have made the decision to NOT pass on any of those increased costs to any of you. As an organization, our decision is to absorb the entire amount of the increased costs and maintain our current platform with the same contribution rates as in 2021.


Please review your 2022 Michigan First Credit Union Open Enrollment materials for information on all of your benefits.


Full-Time & Part-Time Team Member Benefits Materials:

  • Benefits Guide
  • Benefits Rate Sheet
  • Benefits Resources Guide
  • Benefits Supplemental Guide


Attention BCBSM & BCN Members! Blue Cross Blue Shield of MI (BCBSM) and Blue Care Network (BCN) is transitioning their Pharmacy Benefit Manager and will also be issuing new member ID cards. These changes will go into effect as of January 1, 2022.


Important Pharmacy & ID Card Reminders:

  • BCBSM/BCN is transitioning their Pharmacy Benefit Manager (PBM) from Express Scripts to OptumRx effective January 1, 2022.
  • With the transition, changes to members’ experience, home delivery, drug lists, pharmacy network options, enhanced digital tools and updated member ID cards will occur.
  • BCBSM/BCN will be communicating with members via mail, email, and online resources concerning the transition to OptumRx.
  • Your new ID card will be mailed to your home address sometime between October 3rd and December 15th that will be effective on January 1, 2022.
  • You can access your digital ID card through your BCBSM/BCN member account any time, making it easy for you to quickly retrieve your correct ID card. Visit bcbsm.com or download the BCBSM Mobile App to get started.
Full-Time Team Member Benefits Guide

Full-Time Team Member Benefits Guide

Full-Time Team Member Benefits Rate Sheet

Full-Time Team Member Benefits Rate Sheet

Full-Time Team Member Benefits Resources Guide

Full-Time Team Member Benefits Resources Guide

Full-Time Team Member Supplemental Guide

Full-Time Team Member Supplemental Guide

Part-Time Team Member Benefits Guide

Part-Time Team Member Benefits Guide

Part-Time Team Member Benefits Rate Sheet

Part-Time Team Member Benefits Rate Sheet

Part-Time Team Member Benefits Resources Guide

Part-Time Team Member Benefits Resources Guide

Part-Time Team Member Supplemental Guide

Part-Time Team Member Supplemental Guide

How to Enroll

ADP Open Enrollment Instructions

ADP Open Enrollment Instructions

Action Required:

  1. Visit ADP WorkForce Now to review your current coverage and enroll for 2022.
  2. Your current elections WILL NOT carry forward to 2022 if you don't make a new election.
  3. You must make an active election, even if you're already participating, no later than November 23rd.


Remember, this is the only time during the year that you can enroll in coverage or change your benefit elections, unless you have a qualifying event during the year. You have 30 days from the qualifying event date to notify HR to make the changes. Common life events are marriage, divorce, birth, adoption, and loss in coverage.

Educational Videos

What is Preventive Care?

What is Preventive Care?

Benefit Terms Explained

Benefit Terms Explained

How to Read An Explanation of Benefits (EOB)

How to Read An Explanation of Benefits (EOB)

What is Balance Billing?

What is Balance Billing?

What is a Qualifying Event?

What is a Qualifying Event?

Primary Care vs. Urgent Care vs. ER

Primary Care vs. Urgent Care vs. ER

Contact Us

As you consider your benefit options, please be sure to review all available information: Team Member Benefits Guide, Intranet, and other videos and flyers found on this webpage. If you don''t understand your benefits or need any assistance, please contact:


HR Team

(248) 395-4080

Mail-payroll@michiganfirst.com