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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 $145.20. 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 pay no copay for a 1-month or 3-month supply at preferred pharmacies and through preferred mail order, 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 pay no copay if you opt for a 3-month supply. For higher-tier medications, the plan transitions to coinsurance costs across all pharmacy and mail-order options. You will pay a 20% coinsurance for Tier 3 preferred brand drugs and a 25% coinsurance for Tier 4 non-preferred drugs. Tier 5 specialty drugs require a 33% coinsurance for a 1-month supply at both preferred and standard pharmacies.
Additional Benefits
The Medicare Plus Blue Signature (PPO) plan offers comprehensive medical coverage with many services featuring no coinsurance and predictable copays. For inpatient hospital stays, members pay a $175 daily copay for the first seven days and no copay for days eight through 90, while primary care visits, annual physicals, and home health services require no copay. Outpatient hospital services carry copays ranging from $125 to $205, and emergency room visits require a $130 copay which is waived if admitted. This plan also includes valuable supplemental benefits, such as preventive and comprehensive dental care up to a $1,500 annual limit with no copay or coinsurance. Routine hearing and vision exams are covered with low to no copays, alongside a $150 annual allowance for eyewear and coverage for prescription hearing aids. Additionally, skilled nursing facility care has no copay for the first 20 days, and members benefit from no copays on laboratory services, home health, and over-the-counter items.
Inpatient Hospital See details
Medicare Plus Blue Signature (PPO) covers inpatient acute and psychiatric hospital services with no coinsurance, requiring a $175 daily copay for days 1 through 7 and no copay for days 8 through 90. Prior authorization is required, and while additional acute care days are unlimited with no copay, upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Medicare Plus Blue Signature (PPO) covers outpatient services with no coinsurance, featuring a $125.00 to $205.00 copay for outpatient hospital services and a $130.00 copay per stay for observation services. Outpatient substance abuse sessions require a $30.00 copay, while ambulatory surgical center and outpatient 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 may be required for these 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, while transportation services are not covered.
Emergency Services See details
Medicare Plus Blue Signature (PPO) covers emergency services with a $130 copay and no coinsurance, which is waived if you are admitted to the hospital within 3 days. Urgently needed services feature no copay to a $50 copay with 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) partially covers primary care benefits, offering primary care doctor visits, telehealth, and opioid treatment with no copay and no coinsurance, while specialist visits, chiropractic care, and therapies require copays from $15 to $35 with no coinsurance. Podiatry services are not covered under this plan.
Preventive Services See details
Medicare Plus Blue Signature (PPO) covers preventive services, including annual physical exams and kidney disease education, with no copay and no coinsurance. Additional preventive benefits are partially covered, offering fitness programs and smoking cessation counseling, but excluding health education, weight management, and in-home safety assessments.
Hearing Services See details
Hearing services are partially covered by Medicare Plus Blue Signature (PPO), featuring one routine hearing exam and fitting evaluation per year with no copay and no coinsurance. While up to two prescription hearing aids are covered annually with no coinsurance and a copay ranging from $495.00 to $1,695.00, inner ear, outer ear, over the ear, and over-the-counter (OTC) hearing aids are not covered.
Vision Services See details
Vision services are partially covered by Medicare Plus Blue Signature (PPO), featuring a $0 to $30 copay and no coinsurance or deductible for one routine annual eye exam. The plan also provides no copay, no coinsurance, and no deductible for eyewear up to a $150 annual limit for contacts, lenses, and frames, though other eye exams and upgrades are not covered.
Dental Services See details
Dental services are partially covered under the Medicare Plus Blue Signature (PPO) plan, which features a $0 to $30 copay and no coinsurance for Medicare-covered dental, and no copay or coinsurance for most preventive and comprehensive services up to a $1,500 annual maximum. While many key services are included, orthodontics, maxillofacial prosthetics, other diagnostic dental, and other preventive dental services are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered by Medicare Plus Blue Signature (PPO) with no copay and no coinsurance, subject to prior authorization. Under this benefit, Medicare Part B drugs, including chemotherapy and insulin, are covered with no coinsurance to 20% coinsurance, 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, though prior authorization is required for these benefits. Covered durable medical equipment (DME) and diabetic supplies carry no coinsurance to 20% coinsurance, while prosthetics and medical supplies require 20% coinsurance; diabetic therapeutic shoes and inserts are not covered.
Diagnostic and Radiological Services See details
Medicare Plus Blue Signature (PPO) covers diagnostic and radiological services with no coinsurance, subject to prior authorization. There is no copay for lab services, a $35 copay for outpatient x-rays, and copays ranging from $0 to $125 for diagnostic procedures and other radiological services.
Home Health Services See details
Home Health Services are covered under the Medicare Plus Blue Signature (PPO) plan with no copay and no coinsurance.
Cardiac Rehabilitation Services See details
Medicare Plus Blue Signature (PPO) covers some Cardiac Rehabilitation Services with no coinsurance, but several sub-services are not covered. Specifically, Cardiac Rehabilitation, Intensive Cardiac Rehabilitation, Pulmonary Rehabilitation, and Supervised Exercise Therapy (SET) for Symptomatic Peripheral Artery Disease (PAD) are not covered, though they list copays between $10 and $15.
Skilled Nursing Facility (SNF) See details
Skilled nursing facility (SNF) care is covered by Medicare Plus Blue Signature (PPO) with no coinsurance and requires prior authorization, but does not require a prior three-day hospital stay. There is no copay for days 1 through 20, followed by 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, though acupuncture is not covered. Covered benefits include over-the-counter items and meal benefits with no copay and no coinsurance, mobile mental health services for a $20 copay and no coinsurance, and non-transport ambulance services for a $90 copay and no coinsurance.
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