The City of Marquette’s Health Insurance restricts In-Network services to those delivered within the State of Michigan.  This is because of the U.P. Blue Rider that is on all of our plans and helps to keep employee premium cost-sharing low.  To have your employer coverage run as In-Network, you have to ensure two things; firstly that the provider (ie. physician) is within the State of Michigan and secondly, that they are participating In-Network with Blue Cross Blue Shield of Michigan.  There are some providers in Marquette that provide services locally but send things like lab results to an out-of-state facility to be read/generated.  In particular, we've had this happen multiple times with sleep study services.  This is not going to be covered as an In-Network service without prior approval.  It is your responsibility to have these conversations with your provider in advance of seeking services.  There is a referral program with U.P. Blue.  Your Provider, in advance of a sleep study or requiring labs, needs to complete the referral paperwork and obtain approval from Blues for the services to be provided out-of-state.  Failure to follow this process will result in out-of-network cost-sharing that will be the employee’s responsibility.