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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 $117.50. 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 coverage begins immediately. For Tier 1 preferred generics, you pay no copay for a 1-month or 3-month supply at preferred pharmacies and preferred mail-order services. Tier 2 generics require a $10 copay for a 1-month supply at preferred locations, but you can get a 3-month supply with no copay. Higher-tier medications under this plan are subject to coinsurance across all pharmacy and mail-order options. You will pay 20% coinsurance for Tier 3 preferred brands and 25% coinsurance for Tier 4 non-preferred drugs. Tier 5 specialty medications carry a 33% coinsurance for a 1-month supply at both standard and preferred pharmacies.
Additional Benefits
The Medicare Plus Blue Signature (PPO) plan offers affordable essential care with no copays or coinsurance for primary care, telehealth, and preventive services. For specialized care, members pay a low $15 to $35 copay for specialist visits and a $175 daily copay for the first seven days of inpatient hospital stays. Emergency services are covered with a $130 copay, which is waived upon hospital admission, while outpatient hospital services feature copays up to $205 with no coinsurance. Members also benefit from strong supplemental coverage, including dental services with a $1,500 annual maximum and no copays for exams, cleanings, or fillings. Vision and hearing benefits include routine exams with no copay, alongside allowances for eyewear and prescription hearing aids. Additionally, home health services feature no copay, while durable medical equipment and dialysis services are available with no copays and a coinsurance of up to 20 percent.
Inpatient Hospital See details
Medicare Plus Blue Signature (PPO) covers inpatient acute and psychiatric hospital stays with no coinsurance and a copay of $175 per day for days 1 to 7, followed by no copay for days 8 to 90. Prior authorization is required, and 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
Medicare Plus Blue Signature (PPO) covers outpatient services with no coinsurance, featuring a $125 to $205 copay for outpatient hospital services and a $130 copay per stay for observation services. Ambulatory surgical center and outpatient blood services are provided with no copay and no coinsurance, while outpatient substance abuse sessions require a $30 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 copay and no coinsurance, which is not waived upon hospital admission. Routine transportation services to health-related locations are not covered.
Emergency Services See details
Medicare Plus Blue Signature (PPO) covers emergency services with a $130 copay and no coinsurance, with the copay waived if you are admitted to the hospital within three days. Urgently needed services feature no copay to a $50 copay and no coinsurance, while worldwide emergency services are covered up to a $50,000 maximum with no coinsurance and copays ranging from $50 to $285.
Primary Care See details
Medicare Plus Blue Signature (PPO) covers primary care, telehealth, and opioid treatment services with no copay and no coinsurance, while specialist visits, therapy, chiropractic, and mental health services have copays ranging from $15 to $35 and no coinsurance. Podiatry services are not covered under this plan.
Preventive Services See details
Medicare Plus Blue Signature (PPO) covers preventive services with no copay and no coinsurance, including annual physical exams, kidney disease education, and diabetes self-management. Additional preventive benefits are partially covered, as the plan excludes health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge medication reconciliation, re-admission prevention, chemotherapy wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional/dietary benefits, home-based palliative care, in-home support, caregiver support, enhanced disease management, telemonitoring, home/bathroom safety, and counseling.
Hearing Services See details
Medicare Plus Blue Signature (PPO) covers hearing exams with no copay and no coinsurance, including one routine exam and one fitting evaluation annually. 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 inner ear, outer ear, over the ear, and OTC hearing aids are not covered.
Vision Services See details
Medicare Plus Blue Signature (PPO) partially covers vision services, offering routine eye exams with a $0 to $30 copay and no coinsurance, plus eyewear coverage with no copay or coinsurance up to a $150 annual limit. While contact lenses, standard lenses, and frames are covered, other eye exam services, upgrades, and combined eyeglasses are not covered.
Dental Services See details
Dental services are partially covered by Medicare Plus Blue Signature (PPO), which features a $1,500 annual maximum benefit for both in-network and out-of-network care. Covered services such as exams, cleanings, fillings, and root canals have no copay and no coinsurance, while Medicare-covered dental has a $0 to $30 copay and no coinsurance; however, other diagnostic dental, other preventive dental, maxillofacial prosthetics, and orthodontics are not covered.
Home Infusion bundled Services See details
Medicare Plus Blue Signature (PPO) covers home infusion bundled services with no copay, though prior authorization is required. Associated Medicare Part B chemotherapy, radiation, and other drugs carry a 0% to 20% coinsurance, while Part B insulin is covered with a $35 copay and 0% to 20% coinsurance.
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) covers medical equipment with no copays, offering durable medical equipment and diabetic supplies with 0% to 20% coinsurance, and prosthetic devices and medical supplies with 20% coinsurance. Please note that diabetic therapeutic shoes and inserts are not covered under this benefit.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered under the 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, a minimum $35 copay for therapeutic radiology, a minimum $100 copay for diagnostic radiology, and a copay ranging from $0 to $125 for diagnostic procedures and tests.
Home Health Services See details
Home Health Services are covered by Medicare Plus Blue Signature (PPO) with no copay and no coinsurance.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered by Medicare Plus Blue Signature (PPO) with no copay and no coinsurance, but only some services are covered in practice. Specifically, cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) care is covered by Medicare Plus Blue Signature (PPO) with no coinsurance and no prior three-day hospital stay required. There is no copay for days 1 through 20, but days 21 through 100 require a $218 daily copay, with prior authorization required and no coverage for additional days.
Other Services See details
Medicare Plus Blue Signature (PPO) provides partially covered other services, featuring over-the-counter items and chronic illness meal benefits with no copay and no coinsurance. Non-Medicare-covered mobile mental health services require a $20 copay and no coinsurance, and non-transport ambulance services have a $90 copay and no coinsurance, though acupuncture is not covered.
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