COPS Trust offers many different Medical and Rx plans designed specifically to fit the needs of the public safety sector. Our plans are supported by Blue Cross Blue Shield of Michigan and any other state Blue Cross Blue Shield Association member.

The Plan Structure

  • A PPO Plan designed for Police Officers, Fire Fighters, Dispatchers, Municipal Employees and their families
  • Enhanced benefits through Blue Cross Blue Shield in Michigan and any other state Blue Cross Blue Shield Association member
  • Members may go in and out of network anytime at members option, however, they should keep in mind that they receive a higher benefit level in-network
  • No Gatekeepers
  • Covers Lasik surgery
  • No Referrals needed
  • You Choose Your Doctors
  • 2nd and 3rd Opinions for Surgical Procedures

Numerous plans, prescription options, deductibles, and co-pays are available. We can tailor a plan to your needs including Health Savings Accounts, High Deductible Plans, and plans that meet the State of Michigan Hard Cap or 80/20 mandates for certain public employees. We now have the ability to build a plan to meet your benefit and cost needs!

The Plan Structure

  • Split Rate Premiums for Medical. This means separate rates for Active and Retired Members.

Member Portal

Members can find up-to-date information on their benefit plans by logging into the Member Portal.