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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 $113.60. 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 drug coverage begins immediately with no upfront costs. For Tier 1 preferred generics, you will pay no copay for a 1-month or 3-month supply at preferred pharmacies and through preferred mail order. Tier 2 generic medications are also highly affordable, requiring just a $7 copay for a 1-month supply or no copay for a 3-month supply at preferred locations. For brand-name and specialty drugs, this plan utilizes coinsurance rather than flat copays. Tier 3 preferred brands require a 20% coinsurance, while Tier 4 non-preferred drugs carry a 25% coinsurance across all standard and preferred pharmacies. Specialty medications in Tier 5 are covered with a 33% coinsurance for a 1-month supply through both mail order and retail pharmacies.
Additional Benefits
The BCN Advantage Classic (HMO-POS) plan offers comprehensive medical coverage featuring no copay for primary care visits, telehealth, and annual physicals. For hospital stays, members pay no coinsurance and a $250 daily copay for the first seven days of inpatient care, while outpatient hospital services require a $225 copay. Emergency room visits carry a $130 copay, which is waived if you are admitted, and urgent care options range from no copay to a $40 copay. Additional benefits include preventive and comprehensive dental care with no copay up to a $1,500 annual limit, alongside routine vision exams and eyewear covered with no coinsurance. Hearing care features an annual routine exam with no copay, plus coverage for up to two hearing aids per year with copays ranging from $495 to $1,695. Skilled nursing facility care is also covered with no copay for the first 20 days, and members can access over-the-counter items and chronic illness meals with no copay or coinsurance.
Inpatient Hospital See details
BCN Advantage Classic (HMO-POS) covers inpatient acute and psychiatric hospital stays with no coinsurance, requiring a $250 daily copay for days 1 through 7 and no copay for days 8 through 90. This benefit is partially covered, as upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered, though unlimited additional acute hospital days are covered with no copay.
Outpatient Services See details
Outpatient services are covered by BCN Advantage Classic (HMO-POS) with no coinsurance, featuring a $225 copay for outpatient hospital services, a $130 copay per stay for observation services, and a $30 copay for outpatient substance abuse sessions. Ambulatory surgical center and outpatient blood services are covered with no copay and no coinsurance.
Partial Hospitalization See details
Partial hospitalization is covered by BCN Advantage Classic (HMO-POS) with a $55.00 copay and no coinsurance. Prior authorization is required for some of these covered services.
Ambulance and Transportation Services See details
Ambulance and transportation services are covered under BCN Advantage Classic (HMO-POS) with a $250 copay and no coinsurance for both ground and air ambulance services. While some transportation services are covered, transportation to plan-approved health-related locations and any health-related locations are not covered.
Emergency Services See details
BCN Advantage Classic (HMO-POS) covers emergency services with a $130 copay, which is waived if admitted to the hospital within three days, and no coinsurance, while urgently needed services range from no copay to a $40 copay with no coinsurance. Worldwide emergency services are also covered up to a $50,000 maximum with no coinsurance, requiring copays of $130 for emergency care, $40 for urgent care, and $250 for emergency transportation.
Primary Care See details
BCN Advantage Classic (HMO-POS) primary care benefits are partially covered, as podiatry services are not covered under this plan. Covered services require no coinsurance, featuring no copay for primary care visits, telehealth, and opioid treatment, and copays ranging from $15 to $35 for specialists, chiropractic care, therapies, and mental health services.
Preventive Services See details
Preventive services are partially covered under BCN Advantage Classic (HMO-POS) with no copay and no coinsurance for covered benefits like annual physical exams, select nutritional visits, and fitness programs. However, several additional services are not covered, including health education, weight management programs, alternative therapies, and in-home safety assessments.
Hearing Services See details
Hearing Services are partially covered by BCN Advantage Classic (HMO-POS), featuring one annual routine exam with no copay and no coinsurance, plus unlimited fitting evaluations. Up to two prescription hearing aids are covered per year with no coinsurance and a copay ranging from $495.00 to $1,695.00, though inner ear, outer ear, over the ear, and OTC hearing aids are not covered.
Vision Services See details
Vision services are partially covered by BCN Advantage Classic (HMO-POS), offering routine eye exams with a $0 to $30 copay and no coinsurance, plus eyewear with no copay, no coinsurance, and a $100 annual limit. While routine exams, contact lenses, standard lenses, and frames are covered, other eye exam services, combined eyeglasses (lenses and frames), and upgrades are not covered.
Dental Services See details
BCN Advantage Classic (HMO-POS) dental services are partially covered, featuring a $0 to $225 copay and no coinsurance for Medicare-covered dental, and no copay and no coinsurance for covered preventive and comprehensive services up to a $1,500 annual limit. Under this plan, orthodontics, maxillofacial prosthetics, other diagnostic dental services, and other preventive dental services are not covered.
Home Infusion bundled Services See details
BCN Advantage Classic (HMO-POS) covers home infusion bundled services with no copay, though prior authorization is required and Part D home infusion drugs are not bundled. Covered Medicare Part B insulin drugs require a $35 copay and coinsurance ranging from no coinsurance to 20%, while chemotherapy and other Part B drugs have no copay and coinsurance ranging from no coinsurance to 20%.
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, though prior authorization is required. Durable medical equipment and diabetic supplies feature no coinsurance to 20% coinsurance, while prosthetic devices and medical supplies have a 20% coinsurance; diabetic therapeutic shoes and inserts are not covered.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are partially covered under BCN Advantage Classic (HMO-POS), as lab services are not covered. Covered services require prior authorization and feature no coinsurance, with copays ranging from no copay up to $20 for diagnostic procedures, a minimum $20 copay for diagnostic radiological services, a minimum $15 copay for therapeutic radiological services, and a $20 copay for outpatient X-rays.
Home Health Services See details
Home Health Services are covered under the BCN Advantage Classic (HMO-POS) plan with no copay and no coinsurance.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered under BCN Advantage Classic (HMO-POS) with no coinsurance, though prior authorization is required. While some services are covered, standard cardiac rehabilitation (with a $15 copay), intensive cardiac rehabilitation ($15 copay), pulmonary rehabilitation ($10 copay), and supervised exercise therapy for peripheral artery disease ($15 copay) are not covered.
Skilled Nursing Facility (SNF) See details
BCN Advantage Classic (HMO-POS) covers skilled nursing facility services with no coinsurance, requiring no copay for days 1 through 20 and a $218 daily copay for days 21 through 100. Prior authorization is required, no prior three-day hospital stay is needed, and additional days beyond the standard Medicare-covered benefit are not covered.
Other Services See details
Other Services under the BCN Advantage Classic (HMO-POS) plan are partially covered, excluding acupuncture which is not covered. Covered benefits include over-the-counter items and chronic illness meal benefits with no copay and no coinsurance, alongside mobile mental health services for a $20 copay and ambulance services with no transport for a $90 copay, both with no coinsurance.
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