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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 $103.00. 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, you pay no copay for a 1-month or 3-month supply at preferred pharmacies and through preferred mail order. Tier 2 generic drugs also offer no copay for a 3-month supply at preferred locations, or a low $7 copay for a 1-month supply. Standard pharmacies and mail order options are available with slightly higher copays, such as a $5 copay for Tier 1 and a $12 copay for Tier 2 single-month supplies. Brand-name and specialty medications require coinsurance, starting at 20% for Tier 3 preferred brands and 25% for Tier 4 non-preferred drugs. Tier 5 specialty drugs have a 33% coinsurance for a 1-month supply across all pharmacy types.
Additional Benefits
The BCN Advantage Classic (HMO-POS) plan offers comprehensive coverage with many services featuring no coinsurance and no copayments, including preventive care, primary care visits, and home health services. For inpatient hospital stays, members pay a $250 copay for days one through seven and no copay for days eight through 90. Outpatient services, specialist visits, and emergency care are also covered with predictable copays, such as $30 for specialists and $130 for emergency room visits, which is waived if admitted. This plan also includes valuable supplemental benefits like dental care up to a $1,500 annual limit and routine hearing exams with no copay, alongside hearing aid coverage with copays ranging from $495 to $1,695. Vision services feature no copay for eyewear up to a $100 annual limit, while select medical equipment and dialysis services require no copay and a coinsurance ranging from 0% to 20%. Additionally, members receive no-copay benefits for over-the-counter items up to $50 every three months and home infusion services.
Inpatient Hospital See details
BCN Advantage Classic (HMO-POS) covers inpatient hospital services with no coinsurance, requiring a $250 copay for days 1 through 7 and no copay for days 8 through 90 per stay. Prior authorization is required, and while unlimited additional acute days are covered at 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, featuring a $225 copay for outpatient hospital services, a $130 copay per stay for observation services, and a $30 copay for substance abuse sessions. Ambulatory surgical center services and outpatient blood services are covered with no copay and no coinsurance.
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 for some of these covered services.
Ambulance and Transportation Services See details
Ambulance and transportation services are partially covered by BCN Advantage Classic (HMO-POS), which requires a $250 copay and no coinsurance for ground and air ambulance services. Transportation services to plan-approved or 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 3 days, and urgently needed services with no copay to a $40 copay, both with no coinsurance. Worldwide emergency, urgent, and transportation services are also covered up to a $50,000 maximum with no coinsurance and copays of $130, $40, and $250 respectively.
Primary Care See details
BCN Advantage Classic (HMO-POS) provides partially covered primary care benefits, including primary care physician visits, telehealth, and opioid treatment with no copay and no coinsurance, though podiatry services are not covered. Covered specialist visits require a $30 copay, physical and occupational therapy require a $35 copay, and chiropractic or mental health services have varying copays, all with no coinsurance.
Preventive Services See details
BCN Advantage Classic (HMO-POS) covers preventive services with no copay and no coinsurance, including annual physical exams, kidney disease education, glaucoma screenings, and diabetes self-management training. Additional preventive benefits are partially covered with no copay and no coinsurance, offering fitness programs and nutritional counseling, while services such as health education, weight management, alternative therapies, and in-home support are not covered.
Hearing Services See details
BCN Advantage Classic (HMO-POS) covers hearing exams with no copay and no coinsurance, which includes one routine exam per year and unlimited fitting evaluations. Prescription hearing aids are partially covered with no coinsurance and a copay ranging from $495 to $1,695 for up to two aids per year, though over-the-counter, inner ear, outer ear, and over the ear hearing aids are not covered.
Vision Services See details
Vision services are covered by BCN Advantage Classic (HMO-POS) with no coinsurance, featuring a $0 to $30 copay for one routine yearly eye exam and no copay for eyewear. Covered eyewear includes contact lenses, eyeglass lenses, and frames up to a $100 annual limit, while other eye exams, upgrades, and eyeglasses are not covered.
Dental Services See details
Dental services are partially covered by BCN Advantage Classic (HMO-POS) up to a $1,500 annual limit, featuring no copay and no coinsurance for preventive and comprehensive care such as exams, cleanings, fillings, and root canals. Medicare-covered dental services have a copay ranging from $0 to $225 and no coinsurance, while orthodontics, maxillofacial prosthetics, other diagnostic, 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, requiring prior authorization and step therapy. Covered Medicare Part B drugs, including chemotherapy, radiation, and insulin, have a coinsurance ranging from no coinsurance to 20%, with insulin also requiring a $35 copay.
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, requiring 0% to 20% coinsurance for durable medical equipment and diabetic supplies, and 20% coinsurance for prosthetic devices and medical supplies. Prior authorization is required for these benefits, and diabetic therapeutic shoes or inserts are not covered.
Diagnostic and Radiological Services See details
BCN Advantage Classic (HMO-POS) partially covers diagnostic and radiological services with no coinsurance, though prior authorization is required. Outpatient x-rays require a $20 copay, therapeutic radiology starts at a $15 copay, diagnostic radiology starts at a $20 copay, and diagnostic procedures range from no copay to $20, while lab services are not covered.
Home Health Services See details
Home health services are covered by the BCN Advantage Classic (HMO-POS) plan with no copay and no coinsurance.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered by BCN Advantage Classic (HMO-POS) with no coinsurance and a prior authorization requirement. While some services are covered, cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) are not covered in practice and require copayments of $10 to $15.
Skilled Nursing Facility (SNF) See details
BCN Advantage Classic (HMO-POS) partially covers Skilled Nursing Facility (SNF) services with no coinsurance, as additional days beyond the standard Medicare-covered limit are not covered. Covered days require prior authorization but no prior three-day hospital stay, featuring no copay for days 1 through 20 and a $218 daily copay for days 21 through 100.
Other Services See details
BCN Advantage Classic (HMO-POS) offers partial coverage for other services, featuring no copay and no coinsurance for chronic illness meal benefits and over-the-counter items up to $50 every three months. Non-Medicare-covered mobile mental health services require a $20 copay and ambulance services with no transport require a $90 copay (both with no coinsurance), while acupuncture is not covered.
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1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
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