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Important information specific to BCN Advantage℠ HMO-POS Elements, Basic, Classic and Prestige plans
BCN Advantage℠ HMO-POS Elements, Basic, Classic and Prestige are available in these counties: Alcona, Allegan, Antrim, Arenac, Barry, Bay, Branch, Calhoun, Cheboygan, Clare, Clinton, Crawford, Eaton, Genesee, Gladwin, Grand Traverse, Gratiot, Hillsdale, Huron, Ingham, Ionia, Iosco, Isabella, Jackson, Kalamazoo, Kalkaska, Kent, Lake, Lapeer, Livingston, Macomb, Manistee, Mason, Mecosta, Midland, Missaukee, Monroe, Montcalm, Montmorency, Muskegon, Newaygo, Oakland, Oceana, Ogemaw, Osceola, Oscoda, Otsego, Ottawa, Presque Isle, Roscommon, Saginaw, Sanilac, Shiawassee, St. Clair, Tuscola, Van Buren, Washtenaw, Wayne and Wexford. Premiums vary by county.
Our point of service benefit allows you to get care from providers out of our network under certain conditions. If you're traveling outside of Michigan, you're covered under our BlueCard benefit and can access doctors, specialists or hospitals that participate with Blues plans. You may receive most plan covered services at in-network, out-of-pocket cost sharing. You may need to pay higher cost sharing for routine care from non-network providers.
BCN AdvantageSM Elements, Basic, Classic and Prestige are HMO-POS plans with a Medicare contract. Enrollment in BCN Advantage Elements, Basic, Classic and Prestige depends on contract renewal.
Important information for the BCN AdvantageSM HMO Local and MyChoice Wellness plans
BCN AdvantageSM HMO Local is available only to residents of Wayne County. BCN Advantage HMO MyChoice Wellness is available only to residents of Oceana, Kent and Muskegon counties. You must use BCN Advantage Local and MyChoice Wellness plan providers except in emergency medical or urgent care situations or for out of area renal dialysis. If you obtain routine care from out of network providers without prior authorization from the plan, neither Medicare nor BCN Advantage will be responsible for the costs.
BCN AdvantageSM Local and MyChoice Wellness are HMO plans with a Medicare contract. Enrollment in BCN Advantage Local and MyChoice Wellness depends on contract renewal.
Important information for all BCN Advantage HMO-POS and HMO plans
You must continue to pay your Medicare Part B premium. The benefit information provided is a brief summary not a complete description of benefits. For more information, contact the customer service number on the back of your ID card from 8 a.m. to 8 p.m., Monday through Friday, with weekend hours Oct. 1 through Feb. 14. TTY users should call 711. Certain services are available 24/7 through our automated telephone response system. Limitations, copayments and restrictions may apply. Medicare beneficiaries may also enroll in BCN Advantage through the CMS Medicare Online Enrollment Center located at http://www.medicare.gov. BCN Advantage's contract with CMS is renewed annually and the availability of coverage beyond the end of the contract year is not guaranteed. Benefits, formulary, pharmacy network, provider network, premium and/or copayments/coinsurance may change on Jan. 1 of each year. Medicare evaluates plans based on a 5-star rating system. Star ratings are calculated each year and may change from one year to the next.
You must use plan providers except in emergency medical or urgent care situations or for out-of-area renal dialysis. If you obtain routine care from out-of-network providers without prior authorization from the plan, neither Medicare nor BCN Advantage will be responsible for the costs. Out-of-network services authorized by BCN Advantage will be covered.
A sales person will be present with information and applications at all sales meetings. For accommodations of persons with special needs at sales meetings call the above number and identify the accommodations needed and the meeting being attended.
If you decide to have your BCN Advantage premium withheld from your Social Security check or deducted from your checking or savings account, it may take up to three months for the automatic deduction to begin. If your premium amount is currently withheld from your Social Security check or deducted from your checking or savings account and you wish to receive a monthly bill instead, the change may also take up to three months to become effective. During this time, you will be responsible for paying your premium. For more information, call the Customer Service number on the back of your ID card. TTY users call 711.
Important information for BCN AdvantageSM HMO-POS Basic, Classic and Prestige plans and BCN AdvantageSM HMO Local and MyChoice Wellness plans
You must use a network pharmacy to access your prescription drug benefit, except under non-routine circumstances when you cannot reasonably use a network pharmacy. Our pharmacy network includes the majority of chain pharmacies, mail order through Express Scripts Pharmacy® (mail order) or Walgreens, as well as long-term care and home infusion pharmacies. For more information, call the Customer Service number on the back of your ID card from 8 a.m. to 8 p.m., Monday through Friday, with weekend hours Oct. 1 through Feb. 14. TTY users should call 711. Certain services are available 24/7 through our automated telephone response system. You may also write to: BCN Advantage, MC A103, 2311 Green Road, Ann Arbor, MI 48105.