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2021 Medicare Plus BlueSM PPO Essential

Medicare Advantage plan

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This plan costs $0.00 per month in County.

(Change ZIP code.)

About this plan

This is our lowest-priced PPO plan that gives members access to providers in and out of network with no referral. It includes a $0 medical deductible. Plan benefits include:

  • Part D prescription drug coverage
  • Preventive dental services, plus routine hearing and vision coverage
  • SilverSneakers® fitness membership nationwide
  • $50 allowance per quarter for over-the-counter items; no carryover


Plan highlights

Here's what sets this plan apart:

  • $0 premium in most Michigan counties
  • $0 medical deductible
  • $0 copay for in-network primary care office visits
  • $0 pharmacy deductible for Tier 1, 2 and 6 drugs


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. 

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


Most generic drugs: $0
All other drugs: $100

Out-of-pocket maximum

In-network services: $6,000

Combined in- and out-of-network services: $6,000

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

Office visits

Primary care physician

You pay $0.


You pay $45.

Urgent care

You pay $0-$50


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

You'll need to meet your $100 pharmacy deductible for drugs on 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:

• $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 3 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
• In-Home Support benefit for qualifying members
• 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)



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.


 BCN Advantage HMO-POS Elements

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


 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.