Using Your Coverage

Now that you've chosen a Medicare plan, you probably have questions about how it works. We have answers for you. Choose your plan below to learn more about your benefits and how to get the most out of your plan.

The plans on this page are for people who buy their own health insurance. Plans you get through an employer or group could work differently. If you can't find what you need on our website, call the Customer Service number on the back of your Blue Cross ID card and we'll help.

Medicare Advantage plans

When you have Medicare Advantage, also called Part C, using your health coverage is less complicated. You still have Original Medicare Parts A and B. But your Medicare Advantage plan acts as your primary health insurance. We take care of your claims. You only show your Blue Cross ID card when you need care, no matter where you are.

Medicare Plus BlueSM PPO

When you have a PPO plan, you manage more of your health coverage by choosing the doctors you see. That includes doctors and hospitals who don't take our plan; we call that being out-of-network. You save money when you get your care in network. Your Medicare Plus Blue PPO plan still shares the cost if you don't. It's your choice.


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Using your PPO plan


BCN AdvantageSM HMO-POS and HMO plans

An HMO plan takes the guesswork out of your health coverage. That's because you choose a primary care physician who manages all your care. HMO plans also have a network: a defined area where you can go to get care.

In Michigan, your plan won't cover care you get outside the network except in an emergency. If you have an HMO-POS plan, you're covered if you need a doctor while traveling outside of the state.

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Using your HMO plan

Part D prescription drug coverage

Part D coverage protects you against the high costs of medications and makes getting your prescriptions filled easy. Ninety-eight percent of pharmacies in Michigan accept your Blue Cross ID card. You may be able to get your prescription by mail order, too. Part D coverage works differently from your medical coverage. So, it's a good idea to get to know Part D.

Medicare Advantage plan with Part D coverage

Most of our Medicare Advantage plans include Part D coverage except for BCN Advantage HMO-POS Elements. When you need information about your prescription coverage, you'll find it in your Medicare Advantage plan documents.

Prescription BlueSM PDP plans

These plans only provide Part D prescription drug coverage. You just show your Blue Cross ID card to the pharmacist; we do the rest. The two plans, Prescription Blue PDP Select and Premium, share some documents but have separate drug lists.

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Using your Part D drug coverage

Medicare supplement plans

Blue Cross® Medicare Supplement Plans, MyBlue℠ Medigap or BCN 65℠

When you have one of these plans, Original Medicare Parts A and B is your primary health coverage. You'll give the doctor your red, white and blue government Medicare card and your Blue Cross ID card when you need care. Then, we take care of your claims.

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Using Medicare supplement plans