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2021 BCN AdvantageSM HMO-POS Elements

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 medical-only plan offers great medical benefits with a $0 copay for primary care visits. It also gives you a quarterly allowance for over-the-counter items. If you don’t need Part D drug coverage but want medical coverage at an affordable price, Elements may be for you.

  • Medicare-covered preventive dental, vision allowance and hearing aids
  • SilverSneakers® fitness membership nationwide
  • $25 allowance per quarter for over-the-counter items


Plan highlights

Here's what sets this plan apart:

  • $0 copay in-network primary care office visits
  • Low medical deductible
  • Coverage outside Michigan with the BlueCard®program (PDF)


You can enroll in a plan if you live in one of these 70 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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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: $160
Point of service: $500


This plan doesn't have prescription drug coverage.

Out-of-pocket maximum


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

Office visits

Primary care physician

You pay $0 after deductible.


You pay $40 after deductible.

Urgent care

You pay $0-$45.


This plan doesn't have prescription drug coverage.

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
• Worldwide emergency, urgent care and transportation coverage
• Meals benefit following hospital discharge for qualifying members
• Transportation benefit for certain counties following hospital discharge
• SilverSneakers® fitness program
• MyBlueSM Concierge program

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




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. 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)

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

  BCN Advantage HMO-POS Prime Value

There's no monthly premium for this plan at all, so it’s a very affordable way to get great coverage.


 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 Community Value

This local network plan is available in Genesee, Livingston, Macomb, Oakland, St. Clair, Wayne and Washtenaw counties.

Still have questions? We have answers.

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