BCN AdvantageSM HMO-POS
The is a Medicare Advantage health plan offered by the State of Michigan, and administered by Blue Cross Blue Shield of Michigan.
Plan highlights
- Your primary care provider coordinates your care and refers you to the specialists you need
- Covers all benefits under Original Medicare
- Includes medical and pharmacy coverage
In-network Individual Deductible
$125
In-network Family Deductible
$250
What this plan offers
- Choose from in-network primary care providers within your service area
- Coverage is included for emergency room care and behavioral health services, including substance use disorders
- In-network preventive services are 100% covered
- In-network telehealth services
- Manage your account 24 hours a day, seven days a week with the BCBSM app
2025 plan details
See what's covered and how much you'll pay.
In-network deductible
$125 per individual, $250 per family
In-network out-of-pocket maximum
$500 medical and $1,500 pharmacy per individual, $1,000 medical and $3,000 pharmacy per family
PCP office visit copay
$20 per visit
Individual deductible
In network
$125
Family deductible
In network
$250
Individual out-of-pocket maximum
In network
$500 for medical - $1,500 for pharmacy
Family out-of-pocket maximum
In network
$1,000 for medical - $3,000 for pharmacy
Coinsurance
In network
none for most services
Office and urgent care visits, consulting specialist care and outpatient physical, speech and occupational therapy
In network
$20 copay
Emergency room
In network
$65 copay (waived if admitted as inpatient within three days)
Hospital care
In network
Covered 100% after deductible
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$125 | ||
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$250 | ||
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$500 for medical - $1,500 for pharmacy | ||
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$1,000 for medical - $3,000 for pharmacy | ||
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none for most services | ||
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$20 copay | ||
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$65 copay (waived if admitted as inpatient within three days) | ||
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Covered 100% after deductible |
Plan documents
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2025 BCN Advantage Annual Notice of Change (PDF)Download
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2025 BCN Advantage Benefits at a Glance (PDF)Download
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2025 BCN Advantage Evidence of Coverage (PDF)Download
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2025 BCN Advantage Resource Guide (PDF)Download
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2025 BCN Advantage Service Area Map (PDF)Download
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2025 BCN Advantage Star Rating (PDF)Download
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2024 BCN Advantage Benefits at a Glance (PDF)Download
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2024 BCN Advantage Annual Notice of Change (PDF)Download
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2024 BCN Advantage Evidence of Coverage (PDF)Download
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2024 BCN Advantage Service Area Map (PDF)Download
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2024 BCN Advantage Resource Guide (PDF)Download
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2024 BCN Advantage Star Rating (PDF)Download
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2024 BCN Advantage Monthly Planner (PDF)Download
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BCN Advantage HMO, HMO-POS Member Reimbursement Form (PDF)Download
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Medicare Advantage BCN COVID-19 benefit extension letter (PDF)Download