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2020 BCN AdvantageSM HMO HealthySaver

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

This plan helps you stay healthy and within your budget. It's a convenient way to get coverage for routine medical, dental and Part D prescription drugs. It also includes an annual physical at no extra cost and a fitness membership in SilverSneakers®. 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:

  • Low monthly payment
  • $0 medical deductible
  • Low drug deductible
  • $5 copay for primary care office visits


You can enroll in this plan if you live in one of these 15 counties in Michigan at least six months of the year. 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


Generic drugs: $0
All other covered drugs: $100

Out-of-pocket maximum


Optional supplemental benefits don't count toward your maximum out-of-pocket.

Office visits

Primary care physician

You pay $5.


You pay $50.

Urgent care

You pay $45.


Copays start at $0 for certain generic drugs filled at a preferred network pharmacy.

There is no deductible for most generic drugs. You'll need to meet your $100 pharmacy deductible on drug tiers 3-5. Some 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:

• Blue Cross Online VisitsSM
• Two dental exams and cleanings and one vision exam each year
• Worldwide emergency and urgent care coverage
• 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 HMO 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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BCN Advantage HMO-POS Elements

This plan doesn't cover prescription drugs. But it will keep you covered when you travel outside of Michigan.

Medicare Plus BlueSM PPO Vitality

This affordable plan offers access to the largest network in Michigan and has a low deductible and low doctor copays.

Still have questions? We have answers.

Use our FAQs to learn which plan will fit your needs.