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BCN Advantage Classic (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for BCN Advantage Classic (HMO-POS). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on BCN Advantage Classic (HMO-POS) in 2026, please refer to our full plan details page.
BCN Advantage Classic (HMO-POS) is a HMO-POS plan offered by Blue Cross Blue Shield of Michigan Mutual Ins. Co. available for enrollment in 2025 to people living in Michigan. This plan received an overall rating of 4.5 out of 5 stars in 2026.
It's important to know that BCN Advantage Classic (HMO-POS) is a Medicare Advantage (MA) Plan with drug coverage. That means that this plan covers both medical services and prescription drugs.
Key Plan Facts
Below are a few key facts and commonly-asked questions about BCN Advantage Classic (HMO-POS).
Plan Costs:
The cost of a Medicare Advantage Plan is made up of four main parts.
- First, the monthly premium — the amount you pay every month.
- Second, the deductible — the amount you pay out of pocket for covered services before the plan starts paying.
- Third, the copayments and coinsurance — the amounts you pay out of pocket for covered services, usually after meeting the deductible (if applicable). Copays are fixed dollar amounts; coinsurance is a percentage of the cost.
- Fourth, the Out-of-Pocket Maximum — the maximum amount you could have to pay out of pocket in a year. This may be different for in-network and out-of-network services.
For BCN Advantage Classic (HMO-POS), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $93.00. This is the amount you must pay every month.
This plan does not come with a Part B Premium reduction. You must continue to pay your Part B premium.
Deductibles
This plan does not have a health deductible. Your insurance coverage on covered health services will start immediately.
This plan has no drug deductible. Your prescription medication coverage will start immediately.
Out-of-Pocket Maximums
This plan has a combined Maximum Out-Of-Pocket cost of $4400.00 (in-network or out-of-network combined). You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $4400.00 for covered services, the plan will pay 100% of covered costs for the rest of the year.
The plan may have separate out-pocket-maximums for in-network and out-of-network services. See our full plan details page for more information.
You can see below for the coinsurance and specific copayments for in the Additional Benefits section below, or refer to our Plan Details page for more details.
Common Services:
Doctor Visits:
Specialist Visits:
Emergency Room:
Urgent Care:
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Drug Coverage
The BCN Advantage Classic (HMO-POS) plan features a $0 drug deductible, meaning your prescription coverage begins immediately. For Tier 1 preferred generic drugs, there is no copay for a 1-month or 3-month supply at preferred pharmacies and preferred mail-order services, while standard locations charge a $5 copay for a 1-month supply and a $15 copay for a 3-month supply. Tier 2 generic drugs cost a $7 copay for a 1-month supply or no copay for a 3-month supply at preferred locations, compared to a $12 copay for 1-month and a $36 copay for 3-month supplies at standard locations. For higher-tier medications, costs transition to coinsurance percentages across all pharmacy and mail-order options. Tier 3 preferred brand drugs require a 20% coinsurance, while Tier 4 non-preferred drugs carry a 25% coinsurance for both 1-month and 3-month supplies. Specialty medications in Tier 5 require a 33% coinsurance for a 1-month supply at all standard and preferred locations.
Additional Benefits
The BCN Advantage Classic (HMO-POS) plan offers robust coverage with many essential services requiring no copay and no coinsurance, including primary care visits, preventive care, and home health services. For inpatient hospital stays, members pay a $250 daily copay for the first seven days and no copay for days 8 through 90, with no coinsurance required. Specialist visits, outpatient hospital services, and emergency care are also covered with predictable copays ranging from $15 to $225 and no coinsurance. This plan also includes dental, vision, and hearing benefits, featuring no copay for routine hearing exams, preventive dental care up to a $1,500 annual limit, and eyewear up to a $100 yearly maximum. While dialysis and durable medical equipment carry no copay and up to 20% coinsurance, skilled nursing facility stays offer no copay for the first 20 days. Additionally, members can access over-the-counter items and chronic illness meals with no copay and no coinsurance.
Inpatient Hospital See details
BCN Advantage Classic (HMO-POS) covers inpatient acute and psychiatric hospital stays with no coinsurance and a $250 daily copay for days 1 through 7, followed by no copay for days 8 through 90. Prior authorization is required, and while unlimited additional acute days are covered with no copay, additional psychiatric days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
BCN Advantage Classic (HMO-POS) covers outpatient services with no coinsurance, including ambulatory surgical center and blood services with no copay. Outpatient hospital services require a $225 copay, observation services require a $130 copay per stay, and outpatient substance abuse sessions have a $30 copay.
Partial Hospitalization See details
BCN Advantage Classic (HMO-POS) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required to receive this benefit.
Ambulance and Transportation Services See details
BCN Advantage Classic (HMO-POS) covers ground and air ambulance services with a $250 copay and no coinsurance, but transportation services to health-related locations are not covered.
Emergency Services See details
Emergency services are covered by BCN Advantage Classic (HMO-POS) with a $130 copay and no coinsurance, which is waived if you are admitted to the hospital within three days. Urgently needed services range from no copay to a $40 copay and have no coinsurance. Worldwide emergency services are covered up to a $50,000 maximum with no coinsurance, requiring a $130 copay for emergency care, a $40 copay for urgent care, and a $250 copay for emergency transportation.
Primary Care See details
BCN Advantage Classic (HMO-POS) offers partially covered primary care and professional services with no coinsurance for all covered benefits, including primary care visits, telehealth, and opioid treatment which also have no copay. Specialist visits, mental health, and therapy services require copays ranging from $15 to $35, while podiatry services are not covered.
Preventive Services See details
Preventive services are partially covered by BCN Advantage Classic (HMO-POS) with no copay and no coinsurance, including annual physical exams, glaucoma screenings, and diabetes self-management training. Uncovered sub-services include health education, in-home safety assessments, medical nutrition therapy, post-discharge medication reconciliation, re-admission prevention, chemotherapy wigs, weight management, alternative therapies, therapeutic massage, adult day health, home-based palliative care, in-home support, caregiver support, enhanced disease management, telemonitoring, home or bathroom safety modifications, and counseling.
Hearing Services See details
Hearing services are partially covered by BCN Advantage Classic (HMO-POS), featuring routine hearing exams and fitting evaluations with no copay and no coinsurance. Prescription hearing aids are covered with no coinsurance and a copay ranging from $495.00 to $1,695.00, though OTC, inner ear, outer ear, and over the ear hearing aids are not covered.
Vision Services See details
Vision services are partially covered by BCN Advantage Classic (HMO-POS), featuring one routine eye exam per year with a $0 to $30 copay and no coinsurance, while other eye exam services are not covered. Eyewear is covered with no copay and no coinsurance up to a $100 annual maximum for contact lenses, eyeglass lenses, and frames, though upgrades and combined eyeglasses (lenses and frames) are not covered.
Dental Services See details
BCN Advantage Classic (HMO-POS) dental services are partially covered up to a $1,500 annual limit, featuring no copay and no coinsurance for covered preventive and comprehensive care, and a copay ranging from no copay to $225 with no coinsurance for Medicare-covered dental. Other diagnostic dental services, other preventive dental services, maxillofacial prosthetics, and orthodontics are not covered.
Home Infusion bundled Services See details
BCN Advantage Classic (HMO-POS) covers home infusion bundled services with no copay and no coinsurance, though prior authorization is required. Medicare Part B chemotherapy, radiation, and other drugs have no copay and range from no coinsurance to 20% coinsurance, while Part B insulin drugs require a $35 copay and range from no coinsurance to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered by BCN Advantage Classic (HMO-POS) with no copay and a 20% coinsurance.
Medical Equipment See details
BCN Advantage Classic (HMO-POS) partially covers medical equipment with no copays, but coinsurance ranges from no coinsurance to 20% and prior authorization is required. Covered benefits include durable medical equipment, prosthetics, and diabetic supplies, but diabetic therapeutic shoes and inserts are not covered.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are partially covered by BCN Advantage Classic (HMO-POS) with no coinsurance, though prior authorization is required. Diagnostic procedures and tests have copays ranging from no copay to $20, while lab services are not covered. Radiological services also feature no coinsurance, with copays starting at $20 for diagnostic, $15 for therapeutic, and a flat $20 copay for outpatient X-rays.
Home Health Services See details
Home Health Services are covered by BCN Advantage Classic (HMO-POS) with no copay and no coinsurance.
Cardiac Rehabilitation Services See details
BCN Advantage Classic (HMO-POS) covers Cardiac Rehabilitation Services with no copay and no coinsurance, subject to prior authorization. However, in practice, cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) rehabilitation services are not covered.
Skilled Nursing Facility (SNF) See details
BCN Advantage Classic (HMO-POS) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring no copay for days 1 to 20 and a $218 daily copay for days 21 to 100. Prior authorization is required, a prior three-day inpatient hospital stay is not necessary, and additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
BCN Advantage Classic (HMO-POS) partially covers other services, excluding acupuncture, and provides over-the-counter items and chronic illness meals with no copay and no coinsurance. Covered mobile mental health services require a $20 copay and no coinsurance, while ambulance services with no transport require a $90 copay and no coinsurance.
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