2-50 employees
UpdateBCN 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.
- 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
PREMIUM COST
$$
LEVEL OF CONSUMER ENGAGEMENT
Low
INDIVIDUAL DEDUCTIBLE
$4,000 - $9,200
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?
2025 Documents
Plan options for 2025
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
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|---|---|---|---|
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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 |
This is a base-level plan with a $9,200 deductible and 0% coinsurance.
Monthly premium
Low
Deductible
$9,200
Out-of-pocket maximum
$9,200
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
$9,200
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
$18,400
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
$9,200
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
$18,400
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. |
$9,200 | 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. |
$18,400 | 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. |
$9,200 | 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. |
$18,400 | 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 |
Frequently asked questions
Our agents can help you set up your plan, enroll your employees and help you determine the easiest way to set up payments. Contact an agent to learn more.
There are three types of accounts used to pay for medical expenses: a health savings account, or HSA, a health reimbursement arrangement, or HRA, and a flexible spending account, also known as an FSA.
These accounts are part of what's called consumer-directed health care. They offer:
- Potential tax savings by being tax exempt or tax deductible
- More control over health care costs
- Lower health care costs
We can help you decide which is best for your business and employees. Connect with us.
PCP Focus is a custom primary care physician HMO network offered by Blue Care Network. The doctors your employees will choose from this network have shown they can provide quality care and a high level of efficiency that lowers health care costs. We pass those savings on to you: your premiums are up to 8% lower when you choose a plan with the PCP Focus network.
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