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2020 Medicare Plus BlueSM PPO Essential

Medicare Advantage plan

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This plan costs $0.00 per month in County.

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About this plan

This is our lowest-priced PPO plan. It's an affordable way to get the security of coverage for medical services and Part D prescription drugs. You'll also get to choose the doctors you see when you need care. 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 payments
  • $0 medical deductible
  • $10 copay for primary care office visits
  • Access to emergency and urgent care worldwide
  • $25 quarterly allowance for over-the-counter items


You can enroll in this plan if you live anywhere 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. 

Ready to choose a plan?

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: $0
Out-of-network services: $160


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

Out-of-pocket maximum

In-network services: $6,400

Combined in- and out-of-network services: $8,100

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

Office visits

Primary care physician

You pay $10.


You pay $45.

Urgent care

You pay $50.


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:

• A quarterly allowance for free over-the-counter drugs and health products
• Blue Cross Online VisitsSM
• SilverSneakers® fitness program
• Part D prescription drug coverage
• LASIK and radial keratotomy surgery for a $45 copay when you stay in network.
• Coverage while traveling outside of Michigan with the BlueCard® program (PDF).



Looking for extra dental and vision coverage?

You can add an optional supplemental package to your Medicare Advantage plan for an
extra monthly cost. This package will enhance your dental and vision benefits. It offers:

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

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

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BCN AdvantageSM HMO-POS Basic

This plan has no monthly payment and is a very affordable way to get basic coverage.


Medicare Plus BlueSM PPO Vitality

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

Still have questions? We have answers.

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