2025 BCN AdvantageSM HMO-POS Elements

If you don't need a plan with prescription drug coverage, this medical-only plan offers great coverage at an affordable price.

Plan highlights

 

  • Offers an allowance for dental and vision care as well as hearing aids
  • Adds $240 to your pocket annually thanks to a Part B credit
  • $0 in-network primary care office visits
  • Coverage while traveling outside of Michigan

 

NETWORK SIZE

Network Size

MONTHLY PREMIUM

$0

Medical deductible

In network: $0
Point of service: $500

Availability

You can enroll in this plan if you live in one of 70 counties in Michigan at least six months of the year. Learn more by viewing our map.

View map (PDF)

Use these tools to make sure this plan accepts your doctor and pharmacy and is available in your area.

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Plan documents
Summary of Benefits (PDF)

Learn more about the important features and rules for this plan.

Evidence of Coverage (PDF)

This booklet explains how to use this plan's benefits. It also lists some of the things this plan doesn't cover.

Blue Care Network Star Rating for 2025 (PDF)

Medicare rates plans based on quality and performance every year. Called Medicare Star Ratings, these documents show you how well a plan is performing. For 2025, Blue Care Network HMO received 4 1/2 out of 5 stars.

Medicare Plan Comparison Guide (PDF)

This brochure gives you an overview of all our Medicare plans to help you compare.

Plan star rating

Medicare rates plans based on quality and performance every year. This is called Medicare Star Ratings and shows you how well a plan is performing. For 2025, Blue Care Network HMO received 4 1/2 out of 5 star rating.

Monthly premium

You'll need to give us your ZIP code to get an accurate price for this plan.

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This is the amount you'll pay each month in addition to your Medicare Part B premium.

Plan details

Deductible

Medical

In-network services: $0
Point of service: $500

Pharmacy

This plan doesn't have prescription drug coverage.

Out-of-pocket maximum

$4,500

Optional supplemental benefits and care received through our point-of-service benefit don't count toward your out-of-pocket maximum.

Office visits

Primary care physician

You pay $0.

Specialist

You pay $35.

Urgent care

You pay $0-$45.

Pharmacy

This plan doesn't have prescription drug coverage.

You get more than Original Medicare

All benefits required by Original Medicare and more, including:

  • $0 telehealth visits for primary care and behavioral health
  • Advantage Dollars quarterly allowance of $50 for over-the-counter drugs, groceries (for qualified members) and health products
  • Worldwide emergency, urgent care and transportation coverage
  • Meals benefit following hospital discharge for qualifying members
  • One round trip per calendar year to an Annual Physical Exam within the state of Michigan
  • Transportation benefit for certain counties following hospital discharge
  • SilverSneakers® fitness program
  • Coverage for ambulance services not requiring transportation
  • Mobile crisis and crisis stabilization for behavioral health for certain counties
  • MyBlueSM Concierge program
  • Coverage while traveling outside of Michigan with the Nationwide network of Blue Plan Providers (PDF)

Overview

Deductible

Medical

In-network services: $0
Point of service: $500

Pharmacy

This plan doesn't have prescription drug coverage.

Out-of-pocket maximum

$4,500

Optional supplemental benefits and care received through our point-of-service benefit don't count toward your out-of-pocket maximum.

Office visits

Primary care physician

You pay $0.

Specialist

You pay $35.

Urgent care

You pay $0-$45.

Pharmacy

This plan doesn't have prescription drug coverage.

You get more than Original Medicare

All benefits required by Original Medicare and more, including:

  • $0 telehealth visits for primary care and behavioral health
  • Advantage Dollars quarterly allowance of $50 for over-the-counter drugs, groceries (for qualified members) and health products
  • Worldwide emergency, urgent care and transportation coverage
  • Meals benefit following hospital discharge for qualifying members
  • One round trip per calendar year to an Annual Physical Exam within the state of Michigan
  • Transportation benefit for certain counties following hospital discharge
  • SilverSneakers® fitness program
  • Coverage for ambulance services not requiring transportation
  • Mobile crisis and crisis stabilization for behavioral health for certain counties
  • MyBlueSM Concierge program
  • Coverage while traveling outside of Michigan with the Nationwide network of Blue Plan Providers (PDF)
A woman and a child dance around a living room.

Enhance your dental and vision coverage

You can add an optional supplemental package to your Medicare Advantage plan for an additional monthly cost.

This package will enhance your dental and vision benefits. 

  • This offers $1,500 in extra coverage for dental services.
  • A generous allowance for elective contact lenses or glasses (lenses and frames). Polycarbonate lenses and anti reflective coating are covered in network.

Upgrade your coverage

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Find your plan

To get help choosing a plan, call 1-866-875-1375. TTY users dial 711.

Frequently asked questions

There are four parts of Medicare. Each one helps pay for different health care costs.

Parts A and B

This is what's called Original Medicare. It helps pay for hospital and facility costs, including hospice care and home health care. It also helps pay for medical costs outside a hospital, including doctor visits and preventive care.

Part C

This is called Medicare Advantage. It covers everything Original Medicare does, but it also puts a limit on your out-of-pocket costs. Some of these plans also cover preventive dental, vision and hearing costs. They're only available through private health insurance companies, like Blue Cross.

Part D

This plan type helps pay for prescription drugs. It covers commonly used brand-name and generic drugs. Some plans cover more drugs than others. These plans are also only available through private health insurance companies.

These terms all describe money you pay toward health care when you have a health insurance plan.

Copays and coinsurance

A copay is a fixed amount of money you pay for a certain service. Your health insurance plan pays the rest of the cost.

Coinsurance refers to percentages.

Our Medicare Advantage plans use copays for most services. You pay 20 percent coinsurance for most services with Original Medicare. 

Deductible

A deductible is the amount of money you pay for care before your plan starts paying. For most services, you'll pay the full cost until you reach the deductible. After you reach your deductible, you’ll still have to pay any copays or coinsurance.

Most Medicare Advantage plans have separate medical and pharmacy deductibles. Original Medicare has its own deductibles, but if you have a Medicare Advantage plan, you don't have to worry about them. We pay the Original Medicare deductibles for you.

How they all work together

When you have a Blue Cross plan, we track all the costs you pay – deductible, copays and coinsurance. When you reach a certain amount, we pay for most covered services. This is called the out-of-pocket maximum.

Original Medicare doesn’t have an out-of-pocket maximum. There's no cap on what you pay out of pocket. And if you're in the hospital or a skilled nursing facility, Original Medicare only pays for a certain number of days. After that point, you pay the full amount each day.

These acronyms all signify different health plan types:

  • PPO stands for preferred provider organization.
  • HMO stands for health maintenance organization.
  • POS stands for point of service.

PPO plans

PPO plans have more flexibility than HMO plans. You don’t need a primary care physician. You can see doctors inside or outside your network. But if you stay in your network, you’ll pay less.

If you want to be able to coordinate your own health care, a PPO plan might be right for you.

HMO plans

When you have an HMO plan, you choose a primary care physician who works as your partner. They coordinate all your care and can refer you to trusted doctors and specialists in your network. It's important to note that, with an HMO plan, most health care isn't covered outside your network. 

If you want low monthly premiums and copays and you don’t travel much, an HMO plan might be right for you.

HMO-POS plans

HMO-POS plans work a lot like HMO plans. The main difference is that you can see doctors outside your network in some cases. That's where the "POS," or "point of service," part comes in. With our HMO-POS plans, it means you can get routine health care when you travel nationwide.

If you do a lot of traveling within the U.S. and you want one doctor coordinating all your care, an HMO-POS plan might be right for you.

BCN Advantage HMO-POS Prime Value

There's no monthly premium for this plan at all, so it’s a very affordable way to get great coverage.

Medicare Plus Blue PPO Vitality

This PPO plan offers coverage at an affordable price, all with a lower out-of-pocket maximum.

Medicare Plus Blue PPO + Meijer

This plan includes a $640 annual allowance for over-the-counter items and healthy foods.

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  • Page Last Updated Wed Apr 09 08:50:16 EDT 2025