BCN Advantage HMO-POS is a health plan with a Medicare contract. Members get all medical, emergency and hospital benefits they'd get with Original Medicare Part A and B. We add additional benefits like:

  • Tobacco Cessation Coaching, our program that helps members quit tobacco
  • Travel benefits, offering routine care outside of Michigan for the same price members pay at home
  • Online tools, like our mobile app, where members can easily find what's covered

What's an HMO-POS?

HMO stands for health maintenance organization. It's a group of health care professionals that provide services at discounted rates to plan members. In an HMO, one primary care physician manages your care and refers you to other doctors in the network. With the POS or point of service plan with BCN Advantage, you have access to providers while traveling in the United States through the BlueCard program.

The benefits of BCN Advantage HMO-POS

Why replace Medicare coverage with our plan?

  • You get the cost-savings and quality of Blue Care Network, our accredited managed care organization
  • Members have access to the largest HMO network in Michigan
  • The convenience of one ID card, one claim and one customer service department
  • We provide the resources to help your employees and retirees transition to BCN Advantage, so you don't have to
  • Telephone and face-to-face support helps members get the most out of their health care plan

About our service area

Although our service area covers 69 Michigan counties, members don't have to live in these counties. They can find doctors and other health care professionals in our BCN Advantage network throughout the Lower Peninsula. Members are always covered for emergency and urgent care anywhere in Michigan, the U.S. and the world.