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2020 BCN AdvantageSM HMO-POS Basic

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

There's a $0 monthly premium for this plan. So, it’s a very affordable way to get coverage. It also includes our concierge program that helps you understand how to use your benefits. 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 monthly premium
  • Low prescription drug deductible
  • Coverage while traveling outside of Michigan
  • Access to emergency and urgent care worldwide


You can enroll in a plan if you live in one of these 50 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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Check out your coverage options to find the plan that’s right for you.

More plan details

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




In-network services: $280
Point of service: $500


Most generic drugs: $0
All other covered drugs: $200

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 $0 after deductible.


You pay $45 after deductible.

Urgent care

You pay $45.


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

You'll need to meet your $200 pharmacy deductible for drugs on tiers 2-5. 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
• 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)


You may also be interested in

Medicare Plus BlueSM PPO Essential

Our most affordable PPO plan offers strong benefits, covers prescription drugs and has a wide network of doctors.

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

For a moderate monthly cost, you'll get a plan with a low deductible and low doctor copay, all with access to our PPO network.

Still have questions? We have answers.

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