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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 $119.10. 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 offers a $0 prescription drug deductible, allowing your coverage to start 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 services. Tier 2 generic drugs cost a $10 copay for a 1-month supply at preferred locations, but you pay no copay for a 3-month supply at preferred pharmacies and preferred mail order. Higher-tier prescription drug costs are based on coinsurance regardless of whether you use preferred or standard pharmacies. Tier 3 preferred brand drugs require a 20% coinsurance, while Tier 4 non-preferred drugs carry a 25% coinsurance. Specialty Tier 5 medications have a 33% coinsurance for a 1-month supply.
Additional Benefits
The Medicare Plus Blue Signature (PPO) plan offers comprehensive medical coverage with predictable out-of-pocket costs, featuring no copays and no coinsurance for primary care visits, preventive care, and home health services. For inpatient hospital stays, members pay no coinsurance and a $175 daily copay for the first seven days, followed by no copay for days eight through 90. Outpatient hospital services, diagnostic labs, and emergency care are also highly accessible, requiring no coinsurance and low-to-moderate copays. This plan also provides strong supplemental benefits, including routine dental care with no copay up to a $1,500 annual maximum and routine vision exams with no coinsurance. Routine hearing exams and fitting evaluations carry no copay, while prescription hearing aids require copays ranging from $495 to $1,695. Additionally, members can take advantage of a $65 quarterly over-the-counter allowance and chronic illness meals with no copay and no coinsurance.
Inpatient Hospital See details
Inpatient hospital care is covered by Medicare Plus Blue Signature (PPO) with no coinsurance, requiring a $175 daily copay for days 1 through 7 and no copay for days 8 through 90. This benefit is partially covered, as upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Outpatient services covered by Medicare Plus Blue Signature (PPO) feature no coinsurance, with copays ranging from $125 to $205 for outpatient hospital services and $130 per stay for observation services. Outpatient substance abuse sessions have a $30 copay, while ambulatory surgical center and outpatient blood services are available with no copay and no coinsurance.
Partial Hospitalization See details
Medicare Plus Blue Signature (PPO) covers partial hospitalization services with a $55 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. 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, which is waived if admitted to the hospital within 3 days, and no coinsurance. Urgently needed services have a copay of $0 to $50 with no coinsurance, while worldwide emergency services are covered up to $50,000 with no coinsurance and copays ranging from $50 to $285 depending on the service.
Primary Care See details
Medicare Plus Blue Signature (PPO) partially covers primary care benefits with no coinsurance, though podiatry services are not covered. There is no copay for primary care physician visits, telehealth, and opioid treatment, while other services like specialist visits, physical therapy, chiropractic, and mental health care require copays ranging from $15 to $35.
Preventive Services See details
Medicare Plus Blue Signature (PPO) offers partially covered preventive services with no copay and no coinsurance for covered services such as annual physical exams, fitness benefits, and kidney disease education. Services not covered under this benefit 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/dietary benefits, home-based palliative care, in-home support, caregiver support, enhanced disease management, telemonitoring, home safety devices, and counseling.
Hearing Services See details
Hearing services covered by the Medicare Plus Blue Signature (PPO) plan include annual routine exams and fitting evaluations with no copay, no coinsurance, and no deductible. Prescription hearing aids are partially covered with no coinsurance and a copay between $495 and $1,695, but OTC hearing aids and inner ear, outer ear, and over the ear prescription hearing aids are not covered.
Vision Services See details
Medicare Plus Blue Signature (PPO) provides partially covered vision services with no deductibles and no coinsurance, including one annual routine eye exam for a $0 to $30 copay. Covered eyewear options like contact lenses, eyeglass lenses, and frames have no copay and are subject to a $150 annual maximum allowance, while upgrades and other eye exam services are not covered.
Dental Services See details
Medicare Plus Blue Signature (PPO) partially covers dental services with a $1,500 annual maximum benefit for both in-network and out-of-network care. Covered services such as cleanings, exams, x-rays, fillings, and root canals have no copay and no coinsurance, though Medicare-covered dental services have a $0 to $30 copay and no coinsurance. Other diagnostic and preventive 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 and step therapy are required. Covered Medicare Part B chemotherapy, radiation, and other drugs have no copay and a coinsurance ranging from no coinsurance up to 20%, while Part B insulin requires a $35 copay and a coinsurance ranging from no coinsurance up to 20% that does not count toward the plan deductible.
Dialysis Services See details
Medicare Plus Blue Signature (PPO) covers dialysis services with no copay and a 20% coinsurance.
Medical Equipment See details
Medical equipment is partially covered by Medicare Plus Blue Signature (PPO) with no copays, though prior authorization is required and diabetic therapeutic shoes and inserts are not covered. Durable medical equipment and diabetic supplies carry no coinsurance to 20% coinsurance, while prosthetic devices and medical supplies require a 20% coinsurance.
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 (up to $125) and radiological services (minimum $35 to $100).
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 coinsurance, meaning some services are covered, but standard cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for peripheral artery disease (PAD) are not covered and require copays between $10 and $15.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered under the Medicare Plus Blue Signature (PPO) plan with no coinsurance, and a prior three-day hospital stay is not required. There is no copay for days 1 through 20, a $218 daily copay for days 21 through 100, and prior authorization is required, though additional days beyond the Medicare-covered limit are not covered.
Other Services See details
Other services are partially covered by Medicare Plus Blue Signature (PPO), excluding acupuncture. Over-the-counter items up to $65 quarterly and chronic illness meals are available with no copay and no coinsurance, while mobile mental health services require a $20 copay and no coinsurance, and non-transport ambulance services carry 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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