2-50 employees

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Health Plans

BCN Routine CareSM HMO

Our BCN Routine Care HMO plan offers the advantages of a classic HMO plan with the added cost savings of a higher-deductible plan.

Plan highlights
  • As Michigan’s largest HMO, Blue Care Network is available in all 83 Michigan counties.
  • Preventive care is 100% covered.
  • Prescription drug coverage is included.

NETWORK SIZE

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PREMIUM COST

$$

LEVEL OF CONSUMER ENGAGEMENT

Low

INDIVIDUAL DEDUCTIBLE

$4,000 - $9,450

HOW ROUTINE CARE PLANS WORK

Routine Care plans offer the advantages of a classic HMO plan with the added cost savings of a higher deductible plan. Standard primary care office visits, urgent care and generic drugs are covered with a copay and not subject to the deductible.

This helps reduce employee out-of-pocket costs. All other benefits are paid after the deductible is met to help lower employer plan costs.

Want more details about Blue Care Network Routine Care HMO?

2024 Documents

Download 2024 plan certificate

Plan options for 2024

2024 BCN Routine Care Silver

This is a standard-level plan with a $4,000 deductible and 30% coinsurance.

Monthly premium

Medium

Deductible

$4,000

Out-of-pocket maximum

$9,100

PCP visit copay

$30

Individual annual deductible

Individual annual deductible

An individual annual deductible is the amount you pay each year for health services before your health insurance begins to pay. 

In network

$4,000

Out of network

Not covered

Family annual deductible

Family annual deductible

A family annual deductible is the amount you and others on your plan have to pay each year for health services before your health insurance begins to pay. 

In network

$8,000

Out of network

Not covered

Coinsurance percentage

Coinsurance percentage

Coinsurance is your share of the cost of a health care service. It’s usually figured as a percentage of the total charge for the service. You start paying coinsurance once you’ve met your plan’s deductible.

In network

30%

Out of network

Not covered

Individual out-of-pocket maximum

Out-of-pocket maximum

This represents the most you’ll have to pay during a policy period, usually a year, for health care services. Once you've reached it, your plan pays 100% of the allowed amount for covered services.

In network

$9,100

Out of network

Not covered

Family out-of-pocket maximum

Out-of-pocket maximum

This represents the most you’ll have to pay during a policy period, usually a year, for health care services. Once you've reached it, your plan pays 100% of the allowed amount for covered services.

In network

$18,200

Out of network

Not covered

PCP visit copay

PCP office visit copay

This is what you'll pay when you see your primary care physician, the doctor you've selected to oversee your health care.

In network

$30

Out of network

Not covered

Preferred generic pharmacy copay

Preferred generic pharmacy copay

This is what you'll pay when you buy a commonly prescribed generic version of a brand-name drug. This is the lowest copay tier for prescription drugs.

In network

$6

Out of network

Not covered

Individual annual deductible

An individual annual deductible is the amount you pay each year for health services before your health insurance begins to pay. 

 $4,000 Not covered

Family annual deductible

A family annual deductible is the amount you and others on your plan have to pay each year for health services before your health insurance begins to pay. 

 $8,000 Not covered

Coinsurance percentage

Coinsurance is your share of the cost of a health care service. It’s usually figured as a percentage of the total charge for the service. You start paying coinsurance once you’ve met your plan’s deductible.

 30% Not covered

Out-of-pocket maximum

This represents the most you’ll have to pay during a policy period, usually a year, for health care services. Once you've reached it, your plan pays 100% of the allowed amount for covered services.

 $9,100 Not covered

Out-of-pocket maximum

This represents the most you’ll have to pay during a policy period, usually a year, for health care services. Once you've reached it, your plan pays 100% of the allowed amount for covered services.

 $18,200 Not covered

PCP office visit copay

This is what you'll pay when you see your primary care physician, the doctor you've selected to oversee your health care.

 $30 Not covered

Preferred generic pharmacy copay

This is what you'll pay when you buy a commonly prescribed generic version of a brand-name drug. This is the lowest copay tier for prescription drugs.

 $6 Not covered

2024 BCN Routine Care Bronze

This is a base-level plan with a $9,450 deductible and 0% coinsurance.

Monthly premium

Low

Deductible

$9,450

Out-of-pocket maximum

$9,450

PCP visit copay

$40

Individual annual deductible

Individual annual deductible

An individual annual deductible is the amount you pay each year for health services before your health insurance begins to pay. 

In network

$9,450

Out of network

Not covered

Family annual deductible

Family annual deductible

A family annual deductible is the amount you and others on your plan have to pay each year for health services before your health insurance begins to pay. 

In network

$18,900

Out of network

Not covered

Coinsurance percentage

Coinsurance percentage

Coinsurance is your share of the cost of a health care service. It’s usually figured as a percentage of the total charge for the service. You start paying coinsurance once you’ve met your plan’s deductible.

In network

0%

Out of network

Not covered

Individual out-of-pocket maximum

Out-of-pocket maximum

This represents the most you’ll have to pay during a policy period, usually a year, for health care services. Once you've reached it, your plan pays 100% of the allowed amount for covered services.

In network

$9,450

Out of network

Not covered

Family out-of-pocket maximum

Out-of-pocket maximum

This represents the most you’ll have to pay during a policy period, usually a year, for health care services. Once you've reached it, your plan pays 100% of the allowed amount for covered services.

In network

$18,900

Out of network

Not covered

PCP visit copay

PCP office visit copay

This is what you'll pay when you see your primary care physician, the doctor you've selected to oversee your health care.

In network

$40

Out of network

Not covered

Preferred generic pharmacy copays

Preferred generic pharmacy copay

This is what you'll pay when you buy a commonly prescribed generic version of a brand-name drug. This is the lowest copay tier for prescription drugs.

In network

$15

Out of network

Not covered

Individual annual deductible

An individual annual deductible is the amount you pay each year for health services before your health insurance begins to pay. 

 $9,450 Not covered

Family annual deductible

A family annual deductible is the amount you and others on your plan have to pay each year for health services before your health insurance begins to pay. 

 $18,900 Not covered

Coinsurance percentage

Coinsurance is your share of the cost of a health care service. It’s usually figured as a percentage of the total charge for the service. You start paying coinsurance once you’ve met your plan’s deductible.

 0% Not covered

Out-of-pocket maximum

This represents the most you’ll have to pay during a policy period, usually a year, for health care services. Once you've reached it, your plan pays 100% of the allowed amount for covered services.

 $9,450 Not covered

Out-of-pocket maximum

This represents the most you’ll have to pay during a policy period, usually a year, for health care services. Once you've reached it, your plan pays 100% of the allowed amount for covered services.

 $18,900 Not covered

PCP office visit copay

This is what you'll pay when you see your primary care physician, the doctor you've selected to oversee your health care.

 $40 Not covered

Preferred generic pharmacy copay

This is what you'll pay when you buy a commonly prescribed generic version of a brand-name drug. This is the lowest copay tier for prescription drugs.

 $15 Not covered
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