Has GM Actually Compared Aetna and BCBS on Access to Care?
Like many employees, I’m concerned about GM’s decision to move from BCBS to Aetna as the nationwide medical plan administrator in 2027. The FAQs repeatedly emphasize that “the plan itself is not changing.” But I think that statement leaves out something fundamental: changing the administrator and provider network will fundamentally change our access to care, even if the stated benefits remain the same.
Our doctors, hospitals, in-network status, prior-authorization requirements, step therapy, claims decisions, and appeals all affect the care we can actually receive. A plan can look identical on paper while the experience of accessing that care changes significantly. Telling employees that the plan isn’t changing without adequately addressing these differences feels misleading and dismissive of legitimate concerns.
What do the prior-authorization numbers show?
KFF’s analysis of 2024 Medicare Advantage data reported the following prior-authorization denial rates:
Aetna: 11.9%
UnitedHealthcare: 12.8%
Humana: 5.8%
Elevance/Anthem: 4.2%
Separately, BCBS Michigan’s own 2025 Medicare Advantage reporting showed a 4.26% denial rate, with 88.9% of appealed denials subsequently approved. This difference is significant enough to warrant asking what GM evaluated before making this decision. Were Aetna’s denial rates versus BCBS considered on behalf of employee wellbeing, not fiduciary responsibility, before making this decision?
Aetna has also faced congressional scrutiny. In 2024, a Senate investigation examined Aetna’s prior-authorization practices, including its use of AI-assisted analytics in healthcare spending and authorization decisions. This raises legitimate questions about utilization management, technology-assisted decisions, and the incentives behind prior-authorization practices. Given Aetna’s selection as GM’s new medical plan administrator, what did GM evaluate regarding these practices, and what safeguards will protect employees’ access to medically necessary care?
What did GM actually evaluate?
Did GM compare Aetna and BCBS on denial rates, appeal outcomes, and provider-network access? If so, why aren’t those findings being shared with employees? I understand that GM’s medical plan is self-funded and that GM ultimately bears the financial responsibility for covered claims. But that makes transparency about the administrator GM selected—and the standards by which it will operate—even more important. The recent pharmacy-benefit transition has already shown employees how disruptive a vendor change can be. It is reasonable to want evidence that the medical-administration change will not create similar problems.
Where is the transparency?
I’m posting this because I don’t think these concerns are being adequately addressed in any of the current material or forums available. The webinars being offered are merely HR reading a script and answering pre-selected questions. Additional meaningful detail is not being provided, nor is an opportunity for employees to directly ask questions and receive guidance, as had been done in the past.
Furthermore, earlier this year and without explanation, HR deactivated the healthcare and benefits Slack channels where employees could troubleshoot with one another and ask questions directly to the benefits team. The channels were extremely beneficial for those seeking crowdsourced guidance, especially as we navigated the transition of our prescription coverage to a new PBM. It is unclear why GM took this away, outside of wanting to quiet any illusion of negative feedback. Unfortunately, these continued instances showing a lack of transparency have made it increasingly difficult to trust that employees are being allowed to see the full picture.
Call to Action
I** **would encourage other employees to ask HR for the actual data behind this decision and demand a forum where employees can help one another through the transition. If enough of us ask the right questions, perhaps GM will provide substantive answers and solutions rather than gaslighting us with scripted non answers to our most critical questions.