Blue Cross Blue Shield of Michigan (BCBSM) covers Michigan residents from one great lake to another. The company is the state's leading health benefits organization, serving some 4.5 million members residing in the state or employed by companies headquartered there, and 1.3 million more members in other states. The not-for-profit company's insurance offerings include traditional indemnity, PPO, and POS plans, in addition to its Blue Care Network HMO plans. It also provides consumer-directed Flexible Blue plans paired with health savings accounts (HSAs), as well as options for individual buyers and Medicare beneficiaries. The organization is an independent licensee of the Blue Cross and Blue Shield Association.