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2021 BCN AdvantageSM HMO-POS Community Value

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 HMO-POS plan is available in Genesee, Livingston, Macomb, Oakland, St. Clair, Wayne and Washtenaw counties. It includes a network of local medical doctors, and preventive, comprehensive dental, eyewear and hearing aid benefits. There's no need to buy an add-on plan. Plan benefits include:

  • Part D drug coverage
  • Dental, eyewear and hearing aid benefits
  • SilverSneakers® fitness membeship nationwide
  • $100 allowance per quarter for over-the-counter items


Plan highlights

Here's what sets this plan apart:

  • Low monthly premium
  • $0 in-network medical deductible
  • $0 in-network PCP copay


You can enroll in a plan if you live in one of these seven 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. 

Ready to choose a plan?

To compare plans, your ZIP code starts the process. That will show your options so you can choose 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
Point of service: $250



Out-of-pocket maximum


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

Office visits

Primary care physician

You pay $0.


You pay $35.

Urgent care

You pay $45.


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:

• $0 telehealth visits for primary care and behavioral health
• A quarterly allowance for over-the-counter drugs, groceries and health products
• Hearing aid allowance every three years
• Two dental exams and cleanings and one vision exam each year
• Comprehensive dental coverage with a $2,000 benefit alowance maximun every year
• Worldwide emergency, urgent care and transportation coverage
• Meals benefit following hospital discharge for qualifying members
• Transportation benefit for certain counties following hospital discharge
• In-Home Support benefit for qualifying members for qualifying members
• SilverSneakers® fitness program
• MyBlueSM Concierge program

• Coverage while traveling outside of Michigan with the BlueCard® program (PDF).
• SilverSneakers® fitness program
• MyBlueSM Concierge program


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 Medicare Plus BlueSM PPO Essential

This is one of our more affordable PPO plans. It 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.

Still have questions? We have answers.

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