Please note Total Benefit Systems, Inc. is licensed to conduct business in the State of Michigan. You must be a legal Michigan resident/business to apply for coverage offered by our Agency. Please note, filling out an online application does not guarantee coverage, proof of residency required. Please refer to insurance carrier website for complete details regarding network coverage areas, plan limits and exclusions, eligibility requirements, copayment and deductible requirements and to obtain a summary of benefits. An authorized independent agent for Blue Cross Blue Shield of Michigan and Blue Care Network.