The service area for BCN AdvantageSM HMO-POS plans covers 70 counties in Michigan. You should always get your care at an in-network doctor or hospital in our service area whenever possible. Otherwise, you might have to pay for the services yourself. Here's what you need to know when you travel away from home.

Traveling within Michigan

  • Life-threatening or urgent injury or illness: Go to the nearest hospital or urgent care center that accepts Medicare. Be sure to call your primary care physician as soon as possible so they can coordinate your care.
  • If you need routine care: When you're traveling to an area within our network, you can arrange with your primary care physician to see a doctor who accepts your plan. But if you're in a county outside our network, you're only covered for emergency or urgent care. You can use the BCN Advantage Service Area map (PDF) to see which counties these plans cover.

Traveling outside of Michigan within the U.S.

  • Life-threatening or urgent injury or illness: Go to the nearest hospital or urgent care center that accepts Medicare. Be sure to call your primary care physician as soon as possible so they can coordinate your care.
  • If you need routine care: You can use your BlueCard® point-of-service, or POS benefit. It means you have access to a national network of doctors and hospitals in all 50 states, Washington, D.C. and Puerto Rico. Your primary care physician can help you find a doctor. You can also visit the BlueCard website. Or you can call 1-800-810-2583 (TTY users, call 711). You'll find that number on the back of your BCN Advantage HMO-POS member ID card, too.

Traveling outside of the U.S.

  • Life-threatening or urgent injury or illness: Go to the nearest hospital or urgent care center that accepts Medicare. Be sure to contact your primary care physician as soon as possible so they can coordinate your care. Most of our plans cover emergency care with a $50,000 lifetime maximum.
  • If you need routine care: Your plan doesn't cover this outside of the U.S.

Learn more about coverage while traveling outside of Michigan in the BlueCard® program brochure (PDF).