2012 Medicare plans (Switch plan year)

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.

February 2012 Product Seminars

Date Time Location/Address Plans to be discussed
Feb. 1, 2012 3 p.m. Loutit District Library
407 Columbus Ave.
Grand Haven, MI 49417
PPO, HMO, PDP, Medigap
Feb. 6, 2012 1 p.m. Troy Public Library
510 West Big Beaver Road
Troy, MI 48084
PPO, HMO, PDP, Medigap
Feb. 7, 2012 10 a.m. Charlevoix Public Library
220 West Clinton St.
Charlevoix, MI 49720
PPO, PDP, Medigap
Feb. 7, 2012 11 a.m. BCBSM - Metro Service Center
Metro Auditorium
27000 West 11 Mile
Southfield, MI 48034
PPO, HMO, PDP, Medigap
Feb. 7, 2012 1 p.m. Niles District Library
620 East Main St.
Niles, MI 49120
PPO, PDP, Medigap
Feb. 8, 2012 11 a.m. Village of Webberville Cultural Center
115 South Main St.
Webberville, MI 48892
PPO, HMO, PDP, Medigap
Feb. 8, 2012 2 p.m. Alpena County - George North Fletcher Public Library
211 North First St.
Alpena, MI 49707
PPO, PDP, Medigap
Feb. 8, 2012 2 p.m. Clawson Blair Memorial Library
416 North Main St.
Clawson, MI 48017
PPO, HMO, PDP, Medigap
Feb. 9, 2012 1 p.m. Alma Public Library
351 North Court Ave.
Alma, MI 48801
PPO, HMO, PDP, Medigap
Feb. 9, 2012 2 p.m. Flint Public Library
1026 East Kearsley Road
Flint, MI 48502
PPO, HMO, PDP, Medigap
Feb. 13, 2012 11 a.m. Jackson Public Library
244 West Michigan Ave.
Jackson, MI 49201
PPO, HMO, PDP, Medigap
Feb. 14, 2012 11 a.m. City of Williamston Community Center
201 School St.
Williamston, MI 48895
PPO, HMO, PDP, Medigap
Feb. 14, 2012 11 a.m. Detroit Public Library Redford Branch
21200 Grand River
Detroit, MI 48219
PPO, HMO, PDP, Medigap
Feb. 15, 2012 11 a.m. Briggs Public Library
108 East Railroad St.
St. Johns, MI 48879
PPO, PDP, Medigap
Feb. 15, 2012 11 a.m. Hillsdale Community Library
11 East Bacon
Hillsdale, MI 49242
PPO, HMO, PDP, Medigap
Feb. 16, 2012 11 a.m. Livonia Carl Sandburg Public Library
30100 Seven Mile Road
Livonia, MI 48152
PPO, HMO, PDP, Medigap
Feb. 16, 2012 11 a.m. Ostego Public Library
219 South Farmer St.
Otsego, MI 49078
PPO, HMO, PDP, Medigap
Feb. 16, 2012 1 p.m. Petoskey Library
500 East Mitchell St.
Petoskey, MI 49770
PPO, PDP, Medigap
Feb. 16, 2012 2:30 p.m. Kalamazoo Public Library
315 South Rose St.
Kalamazoo, MI 49007
PPO, HMO, PDP, Medigap
Feb. 17, 2012 11 a.m. Cheboygan Area Public Library
100 South Bailey St.
Cheboygan, MI 49721
PPO, PDP, Medigap
Feb. 20, 2012 2 p.m. Traverse Area District Library
610 Woodmere Ave.
Traverse City, MI 49686
PPO, PDP, Medigap
Feb. 21, 2012 11 a.m. Alice and Jack Wirt Public Library
500 Center Ave.
Bay City, MI 48708
PPO, HMO, PDP, Medigap
Feb. 21, 2012 11 a.m. Grosse Pointe Park Library Ewald Branch
15175 East Jefferson
Grosse Pointe Park, MI 48230
PPO, HMO, PDP, Medigap
Feb. 21, 2012 1 p.m. Grand Blanc McFarlen Library
515 Perry Road
Grand Blanc, MI 48439
PPO, HMO, PDP, Medigap
Feb. 22, 2012 2 p.m. Clinton Township Public Library - Main Branch
40900 Romeo Plank Road
Clinton Township, MI 48038
PPO, HMO, PDP, Medigap
Feb. 23, 2012 2:30 p.m. Waterford Public Library
5168 Civic Center Drive
Waterford, MI 48328
PPO, HMO, PDP, Medigap
Feb. 23, 2012 2 p.m. Caroline Kennedy Public Library
24590 George St.
Dearborn Heights, MI 48127
PPO, HMO, PDP, Medigap
Feb. 23, 2012 2 p.m. Piconning Branch Library
218 Kaiser St.
Pinconning, MI 48650
PPO, HMO, PDP, Medigap
Feb. 27, 2012 11 a.m. Isabella County Commission on Aging
2200 South Lincoln Road
Mount Pleasant, MI 48858
PPO, PDP, Medigap
Feb. 28, 2012 10 a.m. Frenchtown Dixie Branch Library
2881 Nadeau
Monroe, MI 48162
PPO, HMO, PDP, Medigap
Feb. 28, 2012 11 a.m. Clinton Township Public Library - South Branch
35891 South Gratiot
Clinton Township, MI 48035
PPO, HMO, PDP, Medigap
Feb. 29, 2012 10:45 a.m. Novi Public Library
45245 West 10 Mile Road
Novi, MI 48375
PPO, HMO, PDP, Medigap
Feb. 29, 2012 11 a.m. Southgate District Library
14680 Dix-Toledo Road
Southgate, MI 48195
PPO, HMO, PDP, Medigap
Feb. 29, 2012 11 a.m. Blue Water Area YMCA
1525 3rd St.
Port Huron, MI 48060
PPO, HMO, PDP, Medigap
Feb. 29, 2012 1 p.m. Wyoming Public Library
3350 Michael Ave. Southwest
Wyoming, MI 49509
PPO, HMO, PDP, Medigap

Registration is required, so call today to reserve your spot.

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.

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.

H9572 S5584_W_12BCBSMAdvantageWeb CMSApproved 10142011

People with limited incomes may qualify for Extra Help to pay for their prescription drug costs. If eligible, Medicare could pay for up to seventy-five (75) percent of drug costs including monthly prescription drug premiums, annual deductibles, and co-insurance. Additionally, those who qualify will not be subject to the coverage gap or a late enrollment penalty. Many people are eligible for these savings and don't even know it. For more information about the Extra Help program, contact your local Social Security office or call 1-800-MEDICARE (1-800-633-4227), 24 hours a day, seven days per week. TTY users should call 1-877-486-2048.

Important information about these plans

Medicare Plus Blue PPOSM and BCN Advantage HMO-POSSM are health plans with Medicare contracts. Prescription Blue PDPSM is a stand-alone prescription drug plan with a Medicare contract.

Medicare Plus Blue PPO

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

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 Original Medicare. Your out-of-pocket costs will be lower if you choose a network provider. To find a network provider, visit www.bcbsm.com/medicare/provdirectory.shtml.

Prescription Blue PDP

Prescription Blue PDP 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 Plus Blue PPO and Prescription Blue PDP

Premiums vary by county. You must continue to pay your Medicare Part B premium.

Limitations, copayments and restrictions may apply.

Our network includes approximately 2,300 Michigan retail pharmacies, of which an estimated 86 percent are network pharmacies. Nationwide, most chain pharmacies are in our network, as well as long-term care and home infusion pharmacies and Indian/Tribal/Urban (Indian Health Service) pharmacies.

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. Quantity limitation and restrictions may apply. 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 Member Services 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, not a comprehensive description of benefits. For more information contact the plan. Benefits, formulary, pharmacy network, premium and/or co-payments/co-insurance may change on Jan. 1, 2013.

Medicare beneficiaries may enroll in Medicare Plus Blue PPO, BCN Advantage HMO-POS or Prescription Blue PDP through the CMS Medicare Online Enrollment Center located at http://www.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 or Prescription Blue PDP during specific times of the year. To learn more about enrollment periods, please contact Member Services.

BCN Advantage HMO-POS

BCN Advantage HMO-POS 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 emergency 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 will be responsible for the costs. Out-of-network services authorized by BCN Advantage will be covered. Our point-of-service benefit allows you to get care from providers not in our network under certain conditions. If you are traveling outside of Michigan, you are covered under our point-of-service BlueCard benefit and can access out-of-network doctors, specialists, or hospitals that participate with Blues plans. You may receive most plan-covered services at in-network out-of-pocket cost sharing. You may need to pay higher cost-sharing for routine care from non-network providers.

If you are enrolled in BCN Advantage ClassicSM or PrestigeSM plans, 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, call Customer Service at 1-800-450-3680, 8 a.m. to 8 p.m., seven days a week. TTY users should call 711. You may also write to: BCN Advantage, 2311 Green Road, Ann Arbor, MI 48105. The BCN Advantage benefit information provided on this website is not comprehensive. Additional information should be requested before making a decision about your coverage. For full information on BCN Advantage 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 711. 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, 2013. Contact BCN Advantage for details.

If you decide to have your BCN Advantage 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. Medicare beneficiaries may enroll in BCN Advantage through the Centers for Medicare & Medicaid Services (CMS) Online Enrollment Center, located at medicare.gov. For more information, contact the BCN Advantage at 1-877-469-2583.

BCN Advantage 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.