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BCN Advantage HMO-POS is available in these counties: Allegan, Barry, Bay, Calhoun, Clare, Clinton, Crawford, Eaton, Genesee, Gladwin, Grand Traverse, Gratiot, Huron, Ingham, Ionia, Isabella, Jackson, Kalamazoo, Kalkaska, Kent, Lapeer, Livingston, Macomb, Mecosta, Midland, Missaukee, Monroe, Montcalm, Muskegon, Newaygo, Oakland, Oceana, Ottawa, Roscommon, Saginaw, Sanilac, Shiawassee, St. Clair, Tuscola, Van Buren, Washtenaw and Wayne. Premiums vary by county. You must continue to pay your Medicare Part B premium.

BCN Advantage HMO-POS members must use plan providers except in emergent or urgent care situations or for out-of-area renal dialysis. If you obtain routine care from out-of-network providers in Michigan, neither Medicare nor BCN Advantage HMO-POS will be responsible for the costs. Out-of-network services authorized by BCN Advantage HMO-POS will be covered.

BCN Advantage HMO Focus members must use plan providers in the BCN Advantage Focus provider network except in emergent or urgent care situations or for out-of-area renal dialysis. If you obtain routine care from providers outside of the BCN Advantage Focus provider network in Wayne County, neither Medicare nor BCN Advantage HMO Focus will be responsible for the costs. Out-of-network services authorized by BCN Advantage HMO Focus will be covered.

If you are enrolled in the BCN Advantage HMO Focus or the BCN Advantage HMO-POS Basic, Classic or Prestige 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 Medco or Walgreens, as well as long-term care and home infusion pharmacies. For additional information on network pharmacies, please call the Customer Service number on the back of your ID card 8 a.m. to 8 p.m., Monday through Friday, with weekend hours October 1 through February 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 HMO-POS, 2311 Green Road, Ann Arbor, MI 48105.

The BCN Advantage HMO and BCN Advantage HMO-POS benefit information provided is not comprehensive. Additional information should be requested before making a decision about your coverage. For full information on BCN Advantage HMO and BCN Advantage HMO-POS benefits, current members should please call the Customer Service number on the back of your ID card 8 a.m. to 8 p.m., Monday through Friday, with weekend hours October 1 through February 14. TTY users should call 711. Certain services are available 24/7 through our automated telephone response system.

Benefits, formulary, pharmacy, network, premium and/or coinsurance may change on Jan. 1, 2014. Please contact BCN Advantage for details.

If you decide to have your BCN Advantage HMO or BCN Advantage HMO-POS 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.

Medicare beneficiaries may enroll in BCN Advantage through the CMS Medicare Online Enrollment Center, located at http://www.medicare.gov. For more information contact BCN Advantage at 1-877-469-2583.

BCN Advantage HMO and BCN Advantage HMO-POS are issued by Blue Care Network, which contracts with the federal government. BCN Advantage's contract with CMS is renewed annually and the availability of coverage beyond the end of the contract year is not guaranteed.

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