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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 $145.00. 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 preferred mail-order services, while standard options cost $5 for 1-month and $15 for 3-month supplies. Tier 2 generic drugs cost a $7 copay for a 1-month supply and no copay for a 3-month supply at preferred locations, compared to standard rates of $12 and $36. Higher-tier medications under this plan transition to coinsurance instead of flat copays. Tier 3 preferred brand drugs require 20% coinsurance, and Tier 4 non-preferred drugs require 25% coinsurance, regardless of whether you use preferred or standard pharmacies. Specialty medications in Tier 5 carry a 33% coinsurance for a 1-month supply across all pharmacy and mail-order options.
Additional Benefits
The BCN Advantage Classic (HMO-POS) plan offers comprehensive medical coverage with predictable out-of-pocket costs, featuring no copay and no coinsurance for primary care visits, preventive services, and home health care. For hospital stays, members pay no coinsurance, with inpatient acute care requiring a $250 daily copay for the first seven days and no copay for days 8 through 90. Outpatient services, emergency care, and specialist visits are also covered with no coinsurance and fixed copays. This plan provides strong supplemental benefits, including dental care with no copay or coinsurance for routine services up to a $1,500 annual limit. Members also benefit from routine vision exams, a $100 annual eyewear allowance, and hearing aids covered with copays and no coinsurance. Other valuable extras include over-the-counter items and chronic illness meal benefits 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, requiring a $250 daily copay for days 1 through 7 and no copay for days 8 through 90. While unlimited additional days are covered for acute care, additional psychiatric days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
BCN Advantage Classic (HMO-POS) outpatient services are covered 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 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 benefits with a $55.00 copay and no coinsurance, though prior authorization may be required.
Ambulance and Transportation Services See details
BCN Advantage Classic (HMO-POS) covers ground and air ambulance services with a $250 copay and no coinsurance per service. Although some transportation services are covered, transportation to plan-approved health-related locations and any health-related locations is not covered.
Emergency Services See details
BCN Advantage Classic (HMO-POS) covers emergency services with a $130 copay and no coinsurance, which is waived if you are admitted to the hospital within three days. Urgently needed services have no coinsurance and range from no copay to a $40 copay. Worldwide emergency services are covered up to a $50,000 maximum with no coinsurance, requiring copays of $40 for urgent care, $130 for emergency care, and $250 for emergency transportation.
Primary Care See details
BCN Advantage Classic (HMO-POS) offers partially covered primary care benefits with no copay and no coinsurance for primary care provider visits, telehealth, and opioid treatment, though podiatry services are not covered. Other covered services, including specialist visits, chiropractic care, therapies, and mental health services, require copays ranging from $15 to $35 and no coinsurance.
Preventive Services See details
BCN Advantage Classic (HMO-POS) offers partially covered preventive services with no copay and no coinsurance for covered benefits like annual physical exams, kidney disease education, and glaucoma screenings. While select additional services like fitness benefits and personal emergency response systems are included, other sub-services such as health education, weight management, and in-home safety assessments are not covered.
Hearing Services See details
BCN Advantage Classic (HMO-POS) covers hearing services, offering one routine hearing exam per year and unlimited fitting evaluations with no copay and no coinsurance. Prescription hearing aids are partially covered with no coinsurance and a copay between $495 and $1,695 for up to two aids per year, though OTC, inner ear, outer ear, and over-the-ear hearing aids are not covered.
Vision Services See details
BCN Advantage Classic (HMO-POS) partially covers vision services with no deductible and no coinsurance, offering routine eye exams for a $0 to $30 copay and eyewear with no copay up to a $100 annual limit. While contact lenses, eyeglass lenses, and frames are covered, other eye exam services, upgrades, and combined eyeglasses (lenses and frames) are not covered.
Dental Services See details
BCN Advantage Classic (HMO-POS) offers partially covered dental services with a $1,500 annual maximum, featuring no copay and no coinsurance for covered services like cleanings, exams, fillings, root canals, and extractions. Medicare-covered dental services have a copay ranging from $0 to $225 and no coinsurance, while other diagnostic services, other preventive services, maxillofacial prosthetics, and orthodontics are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by BCN Advantage Classic (HMO-POS) with no copay, subject to prior authorization. Medicare Part B chemotherapy, radiation, and other drugs have coinsurance ranging from no coinsurance to 20%, while Medicare Part B insulin drugs require a $35 copay and up to 20% coinsurance.
Dialysis Services See details
BCN Advantage Classic (HMO-POS) covers Dialysis Services with no copay and a 20% coinsurance.
Medical Equipment See details
BCN Advantage Classic (HMO-POS) covers medical equipment with no copays and required prior authorization, though diabetic therapeutic shoes and inserts are not covered. Durable medical equipment and diabetic supplies range from no coinsurance to 20% coinsurance, while prosthetic devices and medical supplies carry a 20% coinsurance.
Diagnostic and Radiological Services See details
BCN Advantage Classic (HMO-POS) partially covers diagnostic services and covers radiological services with no coinsurance, though prior authorization is required. Diagnostic procedures and tests require a copay ranging from no copay to $20, outpatient X-rays require a $20 copay, therapeutic radiology has a minimum $15 copay, and diagnostic radiology has a minimum $20 copay, while lab services are not covered.
Home Health Services See details
BCN Advantage Classic (HMO-POS) covers Home Health Services with no copay and no coinsurance.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered under BCN Advantage Classic (HMO-POS) with no copay and no coinsurance, though only some services are covered in practice. Standard cardiac, intensive cardiac, pulmonary, and SET for PAD services are not covered under this plan, and prior authorization is required for covered services.
Skilled Nursing Facility (SNF) See details
BCN Advantage Classic (HMO-POS) covers skilled nursing facility (SNF) services with no coinsurance, though prior authorization is required and no prior three-day hospital stay is needed. There is no copay for days 1 through 20, followed by a $218 daily copay for days 21 through 100, while additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
Other services under BCN Advantage Classic (HMO-POS) are partially covered, as acupuncture is not covered. Over-the-counter items and chronic illness meal benefits are offered with no copay and no coinsurance, while mobile mental health services require a $20 copay and ambulance services with no transport require a $90 copay, both with no coinsurance.
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