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Medicare Plus Blue Signature (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Medicare Plus Blue Signature (PPO). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on Medicare Plus Blue Signature (PPO) in 2026, please refer to our full plan details page.
Medicare Plus Blue Signature (PPO) is a PPO plan offered by Blue Cross Blue Shield of Michigan Mutual Ins. Co. available for enrollment in 2025 to people living in State of Michigan. This plan received an overall rating of 4.5 out of 5 stars in 2026.
It's important to know that Medicare Plus Blue Signature (PPO) 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 Medicare Plus Blue Signature (PPO).
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 Medicare Plus Blue Signature (PPO), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $106.60. 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 $6500.00 (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 $6500.00 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 Medicare Plus Blue Signature (PPO) plan features a $0 drug deductible, meaning your prescription drug 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. Tier 2 generic drugs carry a $10 copay for a 1-month supply at preferred locations, but you can save with no copay on a 3-month supply. For brand-name and specialty medications, costs are based on coinsurance rather than flat copays. 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. Tier 5 specialty tier drugs require a 33% coinsurance for a 1-month supply at all pharmacy and mail-order options.
Additional Benefits
The Medicare Plus Blue Signature (PPO) plan offers comprehensive medical coverage with no coinsurance for many key services, including inpatient hospital stays, outpatient care, and primary care. Patients benefit from no copay for primary care visits, annual physicals, and home health services, while specialist visits require a $30 copay. For inpatient hospital stays, there is a $175 daily copay for days 1 through 7 and no copay for days 8 through 90. This plan also features valuable dental, vision, and hearing benefits, including preventive dental care up to a $1,500 annual limit and routine hearing exams with no copay. Prescription hearing aids require a copay of $495 to $1,695, while eyewear is covered up to a $150 annual limit with no copay. Additionally, medical equipment and dialysis services are covered with no copays and coinsurance ranging from 0% to 20%.
Inpatient Hospital See details
Medicare Plus Blue Signature (PPO) covers inpatient hospital services with no coinsurance, requiring a $175 daily copay for days 1 through 7 and no copay for days 8 through 90 for both acute and psychiatric stays. While unlimited additional acute care days are covered at no copay, additional psychiatric days, non-Medicare-covered stays, and room upgrades are not covered.
Outpatient Services See details
Medicare Plus Blue Signature (PPO) covers outpatient services with no coinsurance, including outpatient hospital services with a $125 to $205 copay and observation services with a $130 copay per stay. Outpatient substance abuse services have a $30 copay and no coinsurance, while ambulatory surgical center and blood services are covered with no copay and no coinsurance.
Partial Hospitalization See details
Medicare Plus Blue Signature (PPO) 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
Medicare Plus Blue Signature (PPO) covers ground and air ambulance services with a $285 copayment and no coinsurance, which is not waived if you are admitted to the hospital. Routine transportation services to health-related locations are not covered by this plan.
Emergency Services See details
Medicare Plus Blue Signature (PPO) covers emergency services with a $130 copay (waived if admitted to the hospital within three days) and no coinsurance, as well as urgently needed services with no copay to a $50 copay and no coinsurance. Worldwide emergency, urgent, and transportation services are also covered up to a $50,000 maximum benefit limit with no coinsurance and copays ranging from $50 to $285.
Primary Care See details
Primary care benefits under Medicare Plus Blue Signature (PPO) are partially covered because podiatry services are not covered. Covered services feature no coinsurance, offering primary care, telehealth, and opioid treatment with no copay, specialist visits with a $30 copay, mental health sessions with a $20 copay, and physical therapy with a $35 copay.
Preventive Services See details
Preventive Services are partially covered by Medicare Plus Blue Signature (PPO) with no copay and no coinsurance for covered services, which include annual physical exams, fitness benefits, and kidney disease education. Sub-services that are not covered under this plan include health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge medication reconciliation, re-admission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional benefits, palliative care, in-home support, caregiver support, disease management, telemonitoring, home safety devices, and counseling.
Hearing Services See details
Medicare Plus Blue Signature (PPO) provides partially covered hearing services, featuring one annual routine hearing exam and one fitting evaluation with no copay and no coinsurance. Up to two prescription hearing aids are covered per year with no coinsurance and a copay of $495 to $1,695, though OTC hearing aids and inner ear, outer ear, and over-the-ear prescription aids are not covered.
Vision Services See details
Medicare Plus Blue Signature (PPO) provides partially covered vision services, featuring a $0 to $30 copay and no coinsurance for routine eye exams, and no copay or coinsurance for eyewear up to a $150 annual limit. Other eye exam services, combined eyeglasses (lenses and frames), and upgrades are not covered.
Dental Services See details
Medicare Plus Blue Signature (PPO) partially covers dental services up to a $1,500 annual maximum, with no copay and no coinsurance for most preventive and comprehensive care, while Medicare-covered dental has a $0 to $30 copay and no coinsurance. Uncovered services include other diagnostic and preventive dental, maxillofacial prosthetics, and orthodontics.
Home Infusion bundled Services See details
Home infusion bundled services are covered by Medicare Plus Blue Signature (PPO) with no copay, though prior authorization and step therapy are required. Associated Medicare Part B drugs, including chemotherapy and insulin, carry a coinsurance ranging from no coinsurance to 20%, with insulin also requiring a $35 copay.
Dialysis Services See details
Dialysis services are covered under the Medicare Plus Blue Signature (PPO) plan with no copay and a 20% coinsurance.
Medical Equipment See details
Medicare Plus Blue Signature (PPO) partially covers medical equipment with no copays, requiring no coinsurance to 20% coinsurance for durable medical equipment and diabetic supplies, and 20% coinsurance for prosthetics and medical supplies. Prior authorization is required for these services, and diabetic therapeutic shoes or inserts are not covered.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by Medicare Plus Blue Signature (PPO) with no coinsurance, though prior authorization is required. There is no copay for lab services, a $35 copay for outpatient X-rays, and varying copays for diagnostic procedures ($0 to $125), diagnostic radiology (minimum $100), and therapeutic radiology (minimum $35).
Home Health Services See details
Medicare Plus Blue Signature (PPO) covers Home Health Services with no copay and no coinsurance.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered under Medicare Plus Blue Signature (PPO) with no coinsurance, but some services are covered while others are not. Specifically, cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) are not covered, carrying copayments of $10.00 to $15.00.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) care is covered by Medicare Plus Blue Signature (PPO) with no coinsurance, requiring prior authorization but no prior three-day hospital stay. Patients pay no copay for days 1 through 20 and a $218 daily copay for days 21 through 100, with no coverage provided for additional days beyond the Medicare-covered limit.
Other Services See details
Medicare Plus Blue Signature (PPO) partially covers other services, offering over-the-counter items and chronic illness meal benefits with no copay and no coinsurance, while acupuncture is not covered. Additional covered services include mobile mental health services for a $20 copay and no coinsurance, as well as non-transport ambulance services for a $90 copay and no coinsurance.
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