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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 $154.20. 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 generic drugs, you will pay no copay for a 1-month or 3-month supply at preferred pharmacies and mail-order services, while standard pharmacies charge a $5 copay for a 1-month supply. Tier 2 generic drugs cost a $10 copay for a 1-month supply at preferred locations, but you can get a 3-month supply with no copay. For higher-tier medications, costs transition to coinsurance across both preferred and standard networks. Tier 3 preferred brands require 20% coinsurance, and Tier 4 non-preferred drugs require 25% coinsurance for both 1-month and 3-month fills. Specialty drugs in Tier 5 carry a 33% coinsurance for a 1-month supply through all pharmacy and mail-order options.
Additional Benefits
The Medicare Plus Blue Signature (PPO) plan offers comprehensive coverage for essential medical services with no coinsurance for inpatient hospital stays, outpatient care, and doctor visits. Members enjoy no copay for primary care visits, while specialist visits require a $30 copay and inpatient hospital stays carry a $175 daily copay for the first seven days. Emergency care is covered with a $130 copay, which is waived if you are admitted to the hospital. Additionally, this plan provides robust supplemental benefits, including home health services with no copay and dental care covered with no copay up to a $1,500 annual limit. Routine hearing and vision exams also feature no copay, alongside coverage for eyewear and prescription hearing aids. Durable medical equipment and select Part B drugs are covered with coinsurance ranging from 0% to 20%.
Inpatient Hospital See details
Medicare Plus Blue Signature (PPO) covers inpatient acute and psychiatric hospital stays with no coinsurance, requiring a $175 daily copay for days 1 through 7 and no copay for days 8 through 90. Unlimited additional days are covered for acute stays with no copay, while upgrades, psychiatric additional days, 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 hospital services, a $130 copay per stay for observation services, and a $30 copay for 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 Medicare Plus Blue Signature (PPO) with a $55.00 copay and no coinsurance, though prior authorization may be required.
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 if you are admitted to the hospital. Routine transportation services to health-related locations are not covered under this plan.
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 have no copay to a $50 copay and no coinsurance, while worldwide emergency, urgent, and transportation services are covered up to a $50,000 limit with copays ranging from $50 to $285 and no coinsurance.
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 require a $30 copay and no coinsurance. Therapy services require a $35 copay, mental health and psychiatric sessions have a $20 copay, both with no coinsurance, and podiatry services are not covered.
Preventive Services See details
Medicare Plus Blue Signature (PPO) offers partially covered preventive services with no copay and no coinsurance, which include annual physical exams, kidney disease education, fitness benefits, and glaucoma screenings. While select services like smoking cessation counseling are covered, several others are not covered, including health education, in-home safety assessments, personal emergency response systems, and nutritional or dietary benefits.
Hearing Services See details
Hearing services are covered by Medicare Plus Blue Signature (PPO), which includes one routine hearing exam and one fitting evaluation per year with no copay and no coinsurance. Up to two prescription hearing aids are covered per year with no coinsurance and a copayment ranging from $495.00 to $1,695.00, though OTC hearing aids and inner, outer, or over-the-ear prescription models are not covered.
Vision Services See details
Vision services under Medicare Plus Blue Signature (PPO) are partially covered with no deductibles, featuring a $0 to $30 copay and no coinsurance for one routine annual eye exam. Eyewear is covered with no copay or coinsurance up to a $150 yearly limit for contact lenses, eyeglass lenses, and frames, though upgrades and other eye exam services are not covered.
Dental Services See details
Medicare Plus Blue Signature (PPO) partially covers dental services up to a $1,500 annual limit for both in- and out-of-network care, offering no copay and no coinsurance for most preventive and comprehensive services. Medicare-covered dental services require a $0 to $30 copay and no coinsurance, while other diagnostic dental services, other preventive dental services, 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 drugs, including insulin, chemotherapy, and other covered drugs, carry a coinsurance ranging from 0% (no coinsurance) to 20%, with insulin drugs 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, though diabetic therapeutic shoes and inserts are not covered. Covered durable medical equipment and diabetic supplies require a 0% to 20% coinsurance, while prosthetic devices and medical supplies carry a 20% coinsurance.
Diagnostic and Radiological Services See details
Medicare Plus Blue Signature (PPO) covers diagnostic and radiological services with no coinsurance, though prior authorization is required. Members pay no copay for lab services, a $0 to $125 copay for diagnostic tests, a $35 copay for outpatient X-rays, and minimum copays of $35 for therapeutic radiology and $100 for diagnostic radiology.
Home Health Services See details
Medicare Plus Blue Signature (PPO) offers coverage for home health services with no copay and no coinsurance.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are offered by Medicare Plus Blue Signature (PPO) with no coinsurance, though only some services are covered in practice. Specifically, Cardiac Rehabilitation, Intensive Cardiac Rehabilitation, and SET for PAD services are not covered (each carrying a $15 copay), and Pulmonary Rehabilitation services are also not covered (carrying a $10 copay).
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. There is no copay for days 1 through 20, a $218 daily copay for days 21 through 100, and additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
Medicare Plus Blue Signature (PPO) provides partially covered other services, with acupuncture not covered, but includes over-the-counter items and chronic illness meals for no copay and no coinsurance. Additionally, non-Medicare-covered mobile mental health services require a $20 copay and no coinsurance, and ambulance services with no transport require a $90 copay and no coinsurance.
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Part B premium reduction is not available with all plans. Availability varies by carrier and location. Actual Part B premium reduction could be lower. Deductibles, copays and coinsurance may apply.
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