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2020 BCN AdvantageSM HMO-POS Classic

Medicare Advantage plan

Is this plan for you?
  • If you go to the pharmacy a lot and you want the freedom to choose any doctor or hospital that accepts Medicare, this plan might be right for you.
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This plan costs $0.00 per month in County.

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About this plan

If you want coverage at an affordable monthly cost, and you want one doctor to coordinate your care, this plan might be right for you. It costs about $100 less per month than our most expensive HMO plan. Plan benefits include:

  • Coverage beyond Original Medicare
  • Part D prescription drug coverage
  • Routine dental and vision care
  • Blue Cross Online VisitsSM
  • Nationwide access to SilverSneakers® fitness


Plan highlights

Here's what sets this plan apart:

  • $0 medical and prescription drug deductible
  • $15 copay for primary care office visits
  • $25 quarterly allowance for over-the-counter items
  • Coverage while traveling outside of Michigan
  • Emergency and urgent care coverage worldwide


You can enroll in this plan if you live in any of these 70 counties. Use these tools to make sure this plan accepts your doctor and pharmacy and is available in your area.

Related documents

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


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


Medicare rates plans based on quality and performance every year. Called Medicare Star Ratings, these documents show you how well a plan is performing. 

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More plan details

Learn more about the benefits of this plan so you can tell if it fits your needs.




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



Out-of-pocket maximum


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 $15 .


You pay $35.

Urgent care

You pay $40.


Starts at $0 for certain generic drugs filled at a preferred pharmacy. Certain drugs may cost more if you choose a pharmacy in our standard network.

Find your pharmacy.

Drug list

See if this plan covers your medication. Find your prescription (PDF).

You get more than Original Medicare

All benefits required by Original Medicare and more, including:

• A quarterly allowance for free over-the-counter drugs and health products
• Blue Cross Online VisitsSM
• Two dental exams and cleanings and one vision exam each year
• Coverage while traveling outside of Michigan with the BlueCard® program (PDF).
• SilverSneakers® fitness program
• MyBlueSM Concierge program




Looking for extra dental, vision and hearing coverage?

You can add an optional supplemental package to your Medicare Advantage plan for an extra monthly cost.
This package will enhance your dental, vision and hearing benefits. We offer two options for
our HMO-POS plans. Both packages offer:

  • Extra coverage for dental work including fillings, fluoride treatments and root canals
  • A generous allowance for elective contact lenses or glasses (lenses and frames)
  • Coverage for hearing aids and hearing exams

You can add a coverage package when you enroll in your plan.
Learn more by reading the Optional Supplemental Brochure (PDF)



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This HMO plan offers comprehensive coverage that travels with you. It has no deductible, and there's no primary care physician copay.

Medicare Plus BlueSM PPO Vitality

This affordable plan has no medical deductible and a low prescription drug deductible. With it, you'll get access to our PPO network, the largest in Michigan.

Still have questions? We have answers.

Use our Frequently Asked Questions to learn which plan will fit your needs.