Blue Cross Blue Shield of Michigan and Blue Care Network

Legal name: Blue Care Network of Michigan

Nonprofit profile at a glance

EIN
382359234
IRS 990 coverage
2010–2024
Official website data refreshed
Sep 2026
Forms available
Form 990 2024
Location
Detroit, MI, USA
Phone
3132256688
Rating
72
Verdict
SUPPORTED
Rating confidence
Moderate
Sector
Health, General and Financing

Official website

Reported finances

Revenue
$4,804,963,335
Expenses
$5,047,420,488
Assets
$2,410,029,020
Liabilities
$883,770,301

Source: IRS Form 990. Selected filing: tax year 2024. Amounts in USD.

Leadership & pay

32 people listed

Executive titles in this filing

  • Kathryn Levine (VP & Pres & CEO BCN)
  • Kenneth Dallafior (EVP President Hlth Plan Bus)

Highest reported compensation

  • Kenneth Dallafior (EVP President Hlth Plan Bus): $5,825,198 total reported compensation
  • Paul Mozak (Director & Officer - EVP & CFO): $4,463,991 total reported compensation
  • Mark Bartlett (Former Officer): $2,807,156 total reported compensation

Source: IRS Form 990. Selected filing: tax year 2024. Names and roles reflect this filing, not necessarily current officeholders.

Overview

Mission

Blue care network provides health care services to subscribers through contracts it has entered into with various physician groups, hospitals and other health care providers. Over 700 participants of all ages and abilities registered for the free program, receiving weekly tips on safe training and nutrition while building camaraderie along the way. Meet-up sessions were held in Holt, Delta Township, DeWitt, Lansing, Meridian Township, Michigan State University in East Lansing and in St. Johns. The program wrapped up on March 21, with a 5K walk/run at Hawk Island Park in Lansing, where participants and program partners celebrated everyone’s healthy lifestyle achievements and the many new friendships formed along the way. The Winter Warm-Up is just one of the many annual, statewide programs and partnerships sponsored by Blue Cross, through our mission to help impro.

What it reported doing in 2024

Bcn's program service accomplishments: bcn is committed to support people helping people, to promote health and peace of mind through high quality care and service, and partnering to mantain and improve health. Bcn 2024 statistics: health care services-member based as well as fee-for-service, 655,815 members and 7,274,593 ambulatory encounters. 2024 community benefit - bcn partipated in 68 separate activities, totaling over $323,027. This was accomplished through community outreach and charitable contributions, to benefit the general public and support wellness. Connections with individuals and small businesses helped support multiple health initiatives. 2024 social mission and public affairs - bcn is committed to improve the health of Michigan residents, with special emphasis on the health and wellness of children and seniors, while reducing the cost of health care. Proactive initiatives include nutrition and healthy lifestyles, healthy aging and mental health. Principles include empowering individuals and communities to take active roles in creating a culture of health; providing leadership as an informed convener and educator to help raise awareness and understanding of important health issues and effective approaches.

Operating model

Revenue model
Other-operating. 99% of the money available for current operations came from other operating revenue.
Distribution model
Member-benefit provider. The nonprofit used 95% of its reported program spending for member benefits.

The verdict

SUPPORTED - A large share of available resources goes toward mission work and most voting board members are independent. Few specific pay-setting methods are documented in the filing; unanswered boxes are not proof of absence and expenses are high relative to revenue.

Rating breakdown

  • Financial Efficiency: 81
  • Transparency & Controls: 58
  • Accountability: 79
  • Sustainability: 28
  • Growth: 100

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: 93.1%; rating input score 93
  • Program expense ratio: 87.8%; rating input score 88
  • Fundraising efficiency: Limited

Transparency & Controls

  • Consistency checks: 90.9%; rating input score 91; 6th percentile among comparable filings
  • Pay-setting controls: 0 of 6 controls in place; rating input score 0
    • Compensation committee: Missing
    • Independent consultant: Missing
    • Other Form 990s reviewed: Missing
    • Written employment contract: Missing
    • Compensation survey or study: Missing
    • Board or committee approval: Missing
  • Foreign activity oversight: Limited
  • Grant itemization coverage: Limited
  • Major donor itemization: Limited
  • Related-party transparency: Limited

Accountability

  • Independent voting board: 80%; rating input score 80; 28th percentile among comparable filings
  • Governance controls: 7 of 9 controls in place; rating input score 78
    • Conflict-of-interest policy: Pass
    • Whistleblower policy: Pass
    • Document-retention policy: Pass
    • CEO compensation review process: Fail
    • Other executive compensation review process: Pass
    • Form 990 shared with the board: Fail
    • Board meeting minutes documented: Pass
    • Audit committee oversight: Pass
    • Independent financial-statement audit: Pass

Sustainability

  • Operating margin: -5%; rating input score 13; 13th percentile among comparable filings
  • Total-asset coverage ratio: 0.48; rating input score 17; 17th percentile among comparable filings
  • Liabilities to assets ratio: 0.37; rating input score 49; 49th percentile among comparable filings
  • Officer compensation ratio: 0.1%; rating input score 93; 93rd percentile among comparable filings

Growth

  • Program expense growth: 4.4% per year; rating input score 100; 34th percentile among comparable filings
  • Revenue growth: 4.7% per year; rating input score 100; 39th percentile among comparable filings
  • Asset growth: 5.5% per year; rating input score 100; 40th percentile among comparable filings

Details

  • What they do: Mission, programs, and operating context captured from the official website.
  • Where the money goes: 93.1% of revenue deployed · 87.8% of spending went to programs
  • Governance: 12 of 15 board members independent · 7 of 9 filing controls reported
  • Programs: 2 filed program accomplishments · $4.4B in reported program spending
  • Leadership: top reported pay $5.8M · 32 people listed · 0 of 6 pay-setting controls reported
  • Highest-paid contractors: 5 contractors listed · $1.2B reported
  • Consistency: 26 of 27 current checks pass · 1 finding to review
  • Schedules: 4 filed schedules · includes executive pay
  • Filing history: 14 filing years from 2010 to 2024
  • Contacts: How to reach this organization
  • Money network: 12 filed money-flow records
  • Related organizations: 8 filed related-organization links
  • Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
  • People: Everyone the filings name, and which of them the filings identify by more than a name.

Key Signals

Signals prioritize questions for review. They are not findings of misconduct.

  • High — Transparency & Controls: Pay-setting controls scored 0/100.
  • High — Sustainability: Operating margin scored 13/100.
  • Review — Accountability: Governance controls: 2 of 9 not reported.
  • High — Sustainability: Total-asset coverage ratio scored 17/100.
  • Review — Transparency & Controls: Schedule R controlled transactions itemized did not reconcile in the filed values.
  • Moderate — Sustainability: Liabilities to assets ratio scored 49/100.