Getting care at home and when you travel
HMO-POS: Elements, Basic, Classic and Prestige
HMO: Local and MyChoice Wellness
Your BCN Advantage℠ HMO-POS coverage travels with you. Some services require prior authorization from BCN Advantage.
In Michigan, members must seek services in the BCN Advantage network. If you choose to go to a doctor outside of our network, you must pay for these services yourself. Neither BCN Advantage nor the Original Medicare plan will pay for these services, except for emergency medical or urgent care services.
With BCN Advantage HMO-POS and HMO plans you are covered worldwide for urgent and emergency medical services.
Inside the service area
Within the service area, you are covered for your medical and pharmacy services when using our network providers for both BCN Advantage HMO-POS and HMO. The BCN Advantage HMO and HMO-POS plan networks do differ. Coordinate all your care through your primary care physician.
The service area for HMO-POS includes 59 counties in Michigan: Alcona, Allegan, Antrim, Arenac, Barry, Bay, Branch, Calhoun, Clare, Cheboygan, 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.
The service area for HMO Local is Wayne County.
The service area for HMO MyChoice Wellness is Kent, Muskegon and Oceana counties.
Outside the service area within Michigan
BCN Advantage HMO-POS and HMO covers you for urgent and emergency medical services from any provider. Contact your primary care doctor as soon as possible so he or she can coordinate your follow-up care when you return home.
Outside of Michigan and within the United States
BCN Advantage HMO-POS uses the BlueCard® Program to allow you to travel and stay well. The BlueCard Program is a national network of Blues plans. Talk with your primary care physician before you leave so that you can arrange for care away from home while you are traveling or temporarily living outside of Michigan. You must reside in Michigan 6 months out of the year in order to remain in our plan.
To locate a doctor:
- Visit BlueCard or call BlueCard at 1-800-810-BLUE (2583) 24 hours a day, seven days a week. TTY users should call 711.
BCN Advantage HMO Local and MyChoice Wellness plans cover urgent and emergency care only outside their service areas. Members obtain routine care through their primary care physicians.
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