Medicare beneficiaries and retirees interested in individual Medicare Advantage products . . .

Blue Cross Blue Shield of Michigan and Blue Care Network have your Medicare answers.

Attend a free product seminar to learn about Medicare and the Blues plan options available to you.

Product seminars
Date	Time	Location/Address	Plans to be discussed
Feb. 15, 2010	10 a.m.	BCBSM Metro Service Center, Tower 200 27000 W. 11 Mile Southfield, MI 48034	PPO, PFFS, HMO, PDP, Medigap
Feb. 17, 2010	10 a.m.	Niles District Library 620 E. Main St. Niles, MI 49120	PPO, PFFS, PDP, Medigap
Feb. 18, 2010	10 a.m.	Edsel and Eleanor Ford House 1100 Lakeshore Grosse Pointe Shores, MI 48236	PPO, PFFS, HMO, PDP, Medigap
Feb. 23, 2010	10 a.m.	Wyoming Public Library 3350 Michael S.W. Wyoming, MI 49509	PPO, PFFS, HMO, PDP, Medigap
Feb. 24, 2010	10 a.m.	IMA Brookwood Golf Course 6045 Davison Burton, MI 48509	PPO, PFFS, HMO, PDP, Medigap
Feb. 25, 2010	10 a.m.	Clinton Macomb Public Library 40900 Romeo Plank Clinton Township, MI 48038	PPO, PFFS, HMO, PDP, Medigap
March 1, 2010	10 a.m.	Kensington Court Hotel 610 Hilton Blvd. Ann Arbor, MI 48108	PPO, PFFS, HMO, PDP, Medigap
March 3, 2010	10 a.m.	Crystal Gardens Howell 5768 E. Grand River Ave. Howell, MI 48843	PPO, PFFS, HMO, PDP, Medigap
March 4, 2010	10 a.m.	Holiday Inn Kalamazoo 2747 S. 11th St. Kalamazoo, MI 49009	PPO, PFFS, HMO, PDP, Medigap
March 9, 2010	10 a.m.	Crowne Plaza Grand Rapids 5700 28th St. S.E. Grand Rapids, MI 49546	PPO, PFFS, HMO, PDP, Medigap
March 10, 2010	10 a.m.	Doubletree Hotel Detroit/Southfield 5801 Southfield Expressway Detroit, MI 48228	PPO, PFFS, HMO, PDP, Medigap
March 11, 2010	10 a.m.	Saginaw Valley State University University Conference & Events Center — Curtiss Hall 7400 Bay Road University Center, MI 48710	PPO, PFFS, HMO, PDP, Medigap
March 17, 2010	10 a.m.	Edsel and Eleanor Ford House 1100 Lakeshore Grosse Pointe Shores, MI 48236	PPO, PFFS, HMO, PDP, Medigap
March 22, 2010	10 a.m.	Thomas Edison Inn 500 Thomas Edison Parkway Port Huron, MI 48060	PPO, PFFS, HMO, PDP, Medigap
March 23, 2010	10 a.m.	Tanglewood Park 560 Seminole Road Muskegon, MI 49444	PPO, PFFS, HMO, PDP, Medigap
March 25, 2010	10 a.m.	Troy Community Center 3179 Livernois Troy, MI 48083	PPO, PFFS, HMO, PDP, Medigap
March 29, 2010	10 a.m.	Doubletree Hotel Detroit/Dearborn 5801 Southfield Expressway Detroit, MI 48228	PPO, PFFS, HMO, PDP, Medigap

Registration is required, so call today to reserve your spot. Call 1-800-469-2583 between
8 a.m. and 8 p.m., seven days a week. TTY users should call 1-800-481-8704.

For accommodation of persons with special needs at sales meetings, call 1-877-469-2583 between 8 a.m. and 8 p.m., seven days a week. TTY users should call 1-800-481-8704.

A sales representative will be present with information and applications. The person may be compensated based on your enrollment in a plan. You are not obligated to enroll.

Attend a free educational forum that will provide the knowledge you need to transition into Medicare.

Understanding Medicare can be overwhelming. At our Medicare 101 educational forums, you'll learn about the choices you have as a Medicare beneficiary. A panel of subject matter experts will be present to answer your questions and address your concerns.

Please choose a forum from the list below and call us today to reserve your seat. You can call 1-877-469-2583 between 8 a.m. and 8 p.m., seven days a week. TTY users should call 1-800-481-8704.

Medicare 101 educational forums
Date	Time	Location/Address	Plans to be discussed

There are no educational forums scheduled at this time.

For accommodations of person with special needs, please call 1-877-469-2583 between 8 a.m. and
8 p.m., seven days a week. TTY users should call 1-800-481-8704.

These educational forums are sponsored by Blue Cross Blue Shield of Michigan and Blue Care Network. These events are only for educational purposes and no plan specific benefits or details will be shared.

Go back to Medicare home.

Medicare Plus Blue PPO^SM, Medicare Plus Blue PFFS^SM and BCN Advantage HMO^SM are health plans with Medicare contracts. Prescription Blue PDP^SM is a stand-alone prescription drug plan with a Medicare contract.

Important information about these plans

Medicare Plus Blue PPO^SM is available in these counties: Alcona, Alger, Allegan, Alpena, Arenac, Baraga, Barry, Bay, Berrien, Branch, Calhoun, Cass, Chippewa, Clare, Clinton, Crawford, Delta, Dickinson, Eaton, Genesee, Gladwin, Gogebic, Gratiot, Hillsdale, Houghton, Huron, Ingham, Ionia, Iosco, Iron, Isabella, Jackson, Kalamazoo, Kent, Keweenaw, Lake, Lapeer, Lenawee, Livingston, Luce, Mackinac, Macomb, Manistee, Marquette, Mason, Mecosta, Menominee, Midland, Missaukee, Monroe, Montcalm, Montmorency, Muskegon, Newaygo, Oakland, Oceana, Ogemaw, Ontonagon, Osceola, Oscoda, Otsego, Ottawa, Presque Isle, Roscommon, Saginaw, Sanilac, Schoolcraft, Shiawassee, St. Clair, St. Joseph, Tuscola, Van Buren, Washtenaw, Wayne, Wexford.

With the exception of emergency or urgent care, it will cost more to get care from non-plan or non-preferred providers. Your responsibility will be greater out-of-network when the out-of-network coinsurance is based on the Medicare allowed amount and the contracted amount is lower. You may receive services from any provider who accepts your Medicare Plus Blue PPO^SM ID card. Your out-of-pocket costs will be lower if you choose a network provider. To find a network provider, visit bcbsm.com/medicare/search.shtml.

Medicare Plus Blue PPO^SM provides reimbursement for all covered benefits regardless of whether they are received in-network, as long as they are medically necessary.

Medicare Plus Blue PFFS^SM
Medicare Plus Blue PFFS^SM is available to all Medicare beneficiaries who are Michigan residents entitled to receive services under Medicare Part A and enrolled in Part B.

A Medicare Advantage private fee-for-service plan works differently than a Medicare supplement plan. Your doctor or hospital can continue to treat you if it agrees to accept our terms and conditions of payment, and thus may choose not to treat you, with the exception of emergencies. If your doctor or hospital does not agree to accept our payment terms and conditions, they may choose not to provide health care services to you, except in emergencies. Providers can find the plan's terms and conditions on our Web site at bcbsm.com/ma. You can also read more about how private fee-for-service plans work for you in our downloadable flyer (PDF 160K).

Prescription Blue PDP^SM
Prescription Blue PDP^SM is available to all Medicare beneficiaries who are Michigan residents entitled to receive services under Medicare Part A and/or enrolled in Part B.

Medicare beneficiaries enrolled in a Medicare Advantage PFFS plan that includes Medicare prescription drugs or any Medicare Advantage coordinated care (HMO or PPO) plan will be automatically disenrolled from the HMO, PPO or Medicare Advantage PFFS plan if they enroll in a prescription drug plan; and Medicare beneficiaries enrolled in a private fee-for-service plan (PFFS) that does not include Medicare prescription drug coverage, a Medicare Advantage Medicare Savings Account (MSA) plan or an 1876 Cost plan may enroll in a prescription drug plan and will not be automatically disenrolled from the PFFS, MSA or 1876 Cost plan.

Medicare Plus Blue PPO^SM, Medicare Plus Blue PFFS^SM and Prescription Blue PDP^SM
Premiums vary by county. You must continue to pay your Medicare Part B premium.

In Michigan, 86 percent of pharmacies are network pharmacies; nationwide, more than 80 percent of pharmacies are in the network, including the majority of chain pharmacies, as well as long-term care and home infusion pharmacies and Indian/Tribal/Urban (Indian Health Service) pharmacies (Source: 2010 Pharmacy Directory). In general, benefits are only available at contracted network pharmacies. Plan drugs may be covered in special circumstances, for instance, illness while traveling outside of the plan's service area where there is no network pharmacy. You may have to pay more than your normal cost sharing amount if you get your drugs at an out-of-network pharmacy. In addition, you will likely have to pay the pharmacy's full charge for the drug and submit documentation to receive reimbursement from Blue Cross Blue Shield of Michigan. For additional information on network pharmacies, please call Customer Service at 1-877-469-2583, 8 a.m. to 8 p.m., seven days a week. TTY users should call 1-800-481-8704. You may also write to: Blue Cross Blue Shield of Michigan, 600 E. Lafayette Blvd., Mail Code X435, Detroit, MI 48226.

If you decide to have your plan premium withheld from your Social Security check or deducted from your checking or savings account, it may take up to three months for the automatic deduction to begin. If your premium amount is currently withheld from your Social Security check or deducted from your checking or savings account and you wish to receive a monthly bill instead, the change may also take up to three months to become effective. During this time, you will be responsible for paying your premium.

The benefit information provided herein is a brief summary, but not a comprehensive description of available benefits. Additional information about benefits is available to assist you in making a decision about your coverage. This is an advertisement; for more information contact the plan Benefits, formulary, pharmacy, network, premium and/or coinsurance may change on Jan. 1, 2011. Please contact Blue Cross Blue Shield of Michigan for details.

In addition to enrolling through this Web site, Medicare beneficiaries may enroll in Medicare Plus Blue PPO^SM, Medicare Plus Blue PFFS^SM or Prescription Blue PDP^SM through the Centers for Medicare & Medicaid Services Online Enrollment Center, located at medicare.gov. For more information, please contact Blue Cross Blue Shield of Michigan at 1-877-469-2583, 8 a.m. to 8 p.m. seven days a week. TTY users should call 1-800-481-8704. You may only enroll in Medicare Plus Blue PPO^SM, Medicare Plus Blue PFFS^SM or Prescription Blue PDP^SM during specific times of the year. To learn more about enrollment periods, please contact Customer Service.

This document is available in alternate formats or languages. For more information, call 1-877-469-2583, 8 a.m. to 8 p.m. seven days a week. TTY users should call 1-800-481-8704.

Medicare Plus Blue PPO^SM, Medicare Plus Blue PFFS^SM and Prescription Blue PDP^SM are issued by Blue Cross Blue Shield of Michigan, which contracts with the federal government. Medicare Plus Blue PPO^SM, Medicare Plus Blue PFFS^SM and Prescription Blue PDP's^SM contracts with CMS are renewed annually and the availability of coverage beyond the end of the contract year is not guaranteed.

BCN Advantage HMO^SM
BCN Advantage HMO^SM is available in these counties: Allegan, Barry, Bay, Calhoun, Clinton, Eaton, Genesee, Gratiot, Ingham, Ionia, Jackson, Kalamazoo, Kent, Lapeer, Livingston, Macomb, Midland, Monroe, Montcalm, Muskegon, Newaygo, Oakland, Oceana, Ottawa, Saginaw, Shiawassee, St. Clair, Tuscola, Van Buren, Washtenaw and Wayne. Premiums vary by county. You must continue to pay your Medicare Part B premium.

You must use plan providers except in emergent or urgent care situations or for out-of-area renal dialysis. If you obtain routine care from out-of-network providers neither Medicare nor BCN Advantage HMO^SM will be responsible for the costs. Out-of-network services authorized by BCN Advantage HMO^SM will be covered.

If you are enrolled in BCN Advantage HMO^SM Option 2 or Option 3, you must use a network pharmacy to access your prescription drug benefit, except under non-routine circumstances when you cannot reasonably use a network pharmacy. Our pharmacy network includes the majority of chain pharmacies, mail order through Medco or Walgreens, as well as long-term care and home infusion pharmacies. For additional information on network pharmacies, please call Customer Service at 1-800-450-3680, 8 a.m. to 8 p.m., seven days a week. TTY users should call 1-800-430-3211. You may also write to: BCN Advantage HMO^SM, 2311 Green Road, Ann Arbor, MI 48105.

The BCN Advantage HMO^SM benefit information provided is not comprehensive. Additional information should be requested before making a decision about your coverage. For full information on BCN Advantage HMO^SM benefits, current members should call our Customer Service department at 1-800-450-3680, from 8 a.m. to 8 p.m., seven days a week. TTY users should call 1-800-430-3211. Prospective members should call 1-877-469-2583, from 8 a.m. to 8 p.m., seven days a week. TTY users should call 1-800-481-8704.

Benefits, formulary, pharmacy, network, premium and/or coinsurance may change on Jan. 1, 2011. Please contact BCN Advantage HMO^SM for details.

If you decide to have your BCN Advantage HMO^SM premium withheld from your Social Security check or deducted from your checking or savings account, it may take up to three months for the automatic deduction to begin. If your premium amount is currently withheld from your Social Security check or deducted from your checking or savings account and you wish to receive a monthly bill instead, the change may also take up to three months to become effective. During this time, you will be responsible for paying your premium.

BCN Advantage HMO^SM is issued by Blue Care Network, which contracts with the federal government. BCN Advantage's contract with CMS is renewed annually and the availability of coverage beyond the end of the contract year is not guaranteed.

Medicare Plus Blue PPO^SM
Medicare Plus Blue PPO^SM is available to all Medicare beneficiaries who are Michigan residents who reside within the plan's 75-county service area and are entitled to receive services under Medicare Part A and enrolled in Part B.
Medicare Plus Blue PPO^SM is available in these counties: Alcona, Alger, Allegan, Alpena, Arenac, Baraga, Barry, Bay, Berrien, Branch, Calhoun, Cass, Chippewa, Clare, Clinton, Crawford, Delta, Dickinson, Eaton, Genesee, Gladwin, Gogebic, Gratiot, Hillsdale, Houghton, Huron, Ingham, Ionia, Iosco, Iron, Isabella, Jackson, Kalamazoo, Kent, Keweenaw, Lake, Lapeer, Lenawee, Livingston, Luce, Mackinac, Macomb, Manistee, Marquette, Mason, Mecosta, Menominee, Midland, Missaukee, Monroe, Montcalm, Montmorency, Muskegon, Newaygo, Oakland, Oceana, Ogemaw, Ontonagon, Osceola, Oscoda, Otsego, Ottawa, Presque Isle, Roscommon, Saginaw, Sanilac, Schoolcraft, Shiawassee, St. Clair, St. Joseph, Tuscola, Van Buren, Washtenaw, Wayne, Wexford.
With the exception of emergency or urgent care, it will cost more to get care from non-plan or non-preferred providers. Your responsibility will be greater out-of-network when the out-of-network coinsurance is based on the Medicare allowed amount and the contracted amount is lower. You may receive services from any provider who accepts your Medicare Plus Blue PPO^SM ID card. Your out-of-pocket costs will be lower if you choose a network provider. To find a network provider, visit bcbsm.com/medicare/search.shtml.
Medicare Plus Blue PPO^SM provides reimbursement for all covered benefits regardless of whether they are received in-network, as long as they are medically necessary.
Medicare Plus Blue PFFS^SM
Medicare Plus Blue PFFS^SM is available to all Medicare beneficiaries who are Michigan residents entitled to receive services under Medicare Part A and enrolled in Part B.
A Medicare Advantage private fee-for-service plan works differently than a Medicare supplement plan. Your doctor or hospital can continue to treat you if it agrees to accept our terms and conditions of payment, and thus may choose not to treat you, with the exception of emergencies. If your doctor or hospital does not agree to accept our payment terms and conditions, they may choose not to provide health care services to you, except in emergencies. Providers can find the plan's terms and conditions on our Web site at bcbsm.com/ma. You can also read more about how private fee-for-service plans work for you in our downloadable flyer (PDF 160K).
Prescription Blue PDP^SM
Prescription Blue PDP^SM is available to all Medicare beneficiaries who are Michigan residents entitled to receive services under Medicare Part A and/or enrolled in Part B.
Medicare beneficiaries enrolled in a Medicare Advantage PFFS plan that includes Medicare prescription drugs or any Medicare Advantage coordinated care (HMO or PPO) plan will be automatically disenrolled from the HMO, PPO or Medicare Advantage PFFS plan if they enroll in a prescription drug plan; and Medicare beneficiaries enrolled in a private fee-for-service plan (PFFS) that does not include Medicare prescription drug coverage, a Medicare Advantage Medicare Savings Account (MSA) plan or an 1876 Cost plan may enroll in a prescription drug plan and will not be automatically disenrolled from the PFFS, MSA or 1876 Cost plan.
Medicare Plus Blue PPO^SM, Medicare Plus Blue PFFS^SM and Prescription Blue PDP^SM
Premiums vary by county. You must continue to pay your Medicare Part B premium.
In Michigan, 86 percent of pharmacies are network pharmacies; nationwide, more than 80 percent of pharmacies are in the network, including the majority of chain pharmacies, as well as long-term care and home infusion pharmacies and Indian/Tribal/Urban (Indian Health Service) pharmacies (Source: 2010 Pharmacy Directory). In general, benefits are only available at contracted network pharmacies. Plan drugs may be covered in special circumstances, for instance, illness while traveling outside of the plan's service area where there is no network pharmacy. You may have to pay more than your normal cost sharing amount if you get your drugs at an out-of-network pharmacy. In addition, you will likely have to pay the pharmacy's full charge for the drug and submit documentation to receive reimbursement from Blue Cross Blue Shield of Michigan. For additional information on network pharmacies, please call Customer Service at 1-877-469-2583, 8 a.m. to 8 p.m., seven days a week. TTY users should call 1-800-481-8704. You may also write to: Blue Cross Blue Shield of Michigan, 600 E. Lafayette Blvd., Mail Code X435, Detroit, MI 48226.
If you decide to have your plan premium withheld from your Social Security check or deducted from your checking or savings account, it may take up to three months for the automatic deduction to begin. If your premium amount is currently withheld from your Social Security check or deducted from your checking or savings account and you wish to receive a monthly bill instead, the change may also take up to three months to become effective. During this time, you will be responsible for paying your premium.
The benefit information provided herein is a brief summary, but not a comprehensive description of available benefits. Additional information about benefits is available to assist you in making a decision about your coverage. This is an advertisement; for more information contact the plan Benefits, formulary, pharmacy, network, premium and/or coinsurance may change on Jan. 1, 2011. Please contact Blue Cross Blue Shield of Michigan for details.
In addition to enrolling through this Web site, Medicare beneficiaries may enroll in Medicare Plus Blue PPO^SM, Medicare Plus Blue PFFS^SM or Prescription Blue PDP^SM through the Centers for Medicare & Medicaid Services Online Enrollment Center, located at medicare.gov. For more information, please contact Blue Cross Blue Shield of Michigan at 1-877-469-2583, 8 a.m. to 8 p.m. seven days a week. TTY users should call 1-800-481-8704. You may only enroll in Medicare Plus Blue PPO^SM, Medicare Plus Blue PFFS^SM or Prescription Blue PDP^SM during specific times of the year. To learn more about enrollment periods, please contact Customer Service.
This document is available in alternate formats or languages. For more information, call 1-877-469-2583, 8 a.m. to 8 p.m. seven days a week. TTY users should call 1-800-481-8704.
Medicare Plus Blue PPO^SM, Medicare Plus Blue PFFS^SM and Prescription Blue PDP^SM are issued by Blue Cross Blue Shield of Michigan, which contracts with the federal government. Medicare Plus Blue PPO^SM, Medicare Plus Blue PFFS^SM and Prescription Blue PDP's^SM contracts with CMS are renewed annually and the availability of coverage beyond the end of the contract year is not guaranteed.
BCN Advantage HMO^SM
BCN Advantage HMO^SM is available in these counties: Allegan, Barry, Bay, Calhoun, Clinton, Eaton, Genesee, Gratiot, Ingham, Ionia, Jackson, Kalamazoo, Kent, Lapeer, Livingston, Macomb, Midland, Monroe, Montcalm, Muskegon, Newaygo, Oakland, Oceana, Ottawa, Saginaw, Shiawassee, St. Clair, Tuscola, Van Buren, Washtenaw and Wayne. Premiums vary by county. You must continue to pay your Medicare Part B premium.
You must use plan providers except in emergent or urgent care situations or for out-of-area renal dialysis. If you obtain routine care from out-of-network providers neither Medicare nor BCN Advantage HMO^SM will be responsible for the costs. Out-of-network services authorized by BCN Advantage HMO^SM will be covered.
If you are enrolled in BCN Advantage HMO^SM Option 2 or Option 3, you must use a network pharmacy to access your prescription drug benefit, except under non-routine circumstances when you cannot reasonably use a network pharmacy. Our pharmacy network includes the majority of chain pharmacies, mail order through Medco or Walgreens, as well as long-term care and home infusion pharmacies. For additional information on network pharmacies, please call Customer Service at 1-800-450-3680, 8 a.m. to 8 p.m., seven days a week. TTY users should call 1-800-430-3211. You may also write to: BCN Advantage HMO^SM, 2311 Green Road, Ann Arbor, MI 48105.
The BCN Advantage HMO^SM benefit information provided is not comprehensive. Additional information should be requested before making a decision about your coverage. For full information on BCN Advantage HMO^SM benefits, current members should call our Customer Service department at 1-800-450-3680, from 8 a.m. to 8 p.m., seven days a week. TTY users should call 1-800-430-3211. Prospective members should call 1-877-469-2583, from 8 a.m. to 8 p.m., seven days a week. TTY users should call 1-800-481-8704.
Benefits, formulary, pharmacy, network, premium and/or coinsurance may change on Jan. 1, 2011. Please contact BCN Advantage HMO^SM for details.
If you decide to have your BCN Advantage HMO^SM premium withheld from your Social Security check or deducted from your checking or savings account, it may take up to three months for the automatic deduction to begin. If your premium amount is currently withheld from your Social Security check or deducted from your checking or savings account and you wish to receive a monthly bill instead, the change may also take up to three months to become effective. During this time, you will be responsible for paying your premium.
BCN Advantage HMO^SM is issued by Blue Care Network, which contracts with the federal government. BCN Advantage's contract with CMS is renewed annually and the availability of coverage beyond the end of the contract year is not guaranteed.

You may be able to get extra help to pay for your prescription drug premiums and costs. To see if you qualify for getting extra help, call:

1-800-MEDICARE (1-800-633-4227). TTY/TDD users should call 1-877-486-2048, 24 hours a day, seven days a week;
The Social Security Office at 1-800-772-1213 between 7 a.m. and 7 p.m., Monday through Friday. TTY/TDD users should call 1-800-325-0778; or
Your State Medicaid Office.

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