What Medicare Plans Does Blue Cross Blue Shield of Michigan Offer?

Mike Olmos by Mike Olmos | Licensed since 2010

This article was updated on: 10/21/2018

Blue Cross Blue Shield of Michigan offers several types of Medicare Advantage plans, stand-alone Medicare Part D Prescription Drug Plans, and Medicare Supplement (Medigap) plans to residents of Michigan.

If you’re a Medicare beneficiary who is currently enrolled in Original Medicare (Part A and Part B), you may not realize you may have options beyond the federal program. You might supplement your Original Medicare coverage by enrolling in a stand-alone Medicare Prescription Drug Plan and/or a Medicare Supplement plan. Or, you may be able to get your Medicare coverage through a Medicare Advantage plan, which (depending on the plan) may include prescription drug benefits and other extra benefits as part of its coverage.

Learn more about Medicare coverage options through Blue Cross Blue Shield of Michigan, including Medicare Advantage plans, Medicare Part D Prescription Drug Plans, and Medicare Supplement (Medigap) plans. Here’s an overview of the types of coverage that may be available to Michigan beneficiaries and how they work.

Does Blue Cross Blue Shield of Michigan offer Medicare Advantage plans?

Blue Cross Blue Shield (BCBS) of Michigan is a Medicare-contracted private insurance company that offers you an alternative way to get your Original Medicare benefits through its wide selection of Medicare Advantage plans. By law, these plans must offer all the coverage of Original Medicare, except for hospice care which remains covered under Part A. Beyond that, these plans have the flexibility to offer extra benefits that Original Medicare doesn’t cover, such as prescription drug coverage and coverage for routine vision, dental, and hearing care. If you choose to enroll in a Medicare Advantage plan that includes prescription drug benefits (also known as a Medicare Advantage Prescription Drug plan), you’ll have the convenience of having all of your Medicare coverage administered through a single plan.

If you enroll in a Medicare Advantage plan offered through Blue Cross Blue Shield of Michigan, you must continue to pay your Part B premium; there may be an additional monthly premium as well, depending on the plan you select. Not all plans may be available in all parts of the state, and plan benefits and premiums may vary depending on where you live.

There are several different options when it comes to Medicare Advantage plans. Some of the Medicare Advantage plan options from Blue Cross Blue Shield of Michigan that may be available in your service area include:

  • Medicare Advantage Health Maintenance Organization (HMO) plans: These plans from Blue Cross Blue Shield of Michigan may include coverage for prescription drugs, as well as optional routine dental and vision care and the SilverSneakers wellness program. You must choose a primary care provider to oversee your health care and you must generally get all your care within the plan’s network. If you need medically necessary emergency care or urgent care, you’re still covered even if you go out-of-network. You may need a referral to see a specialist. You may have copayments and/or deductibles with these plans, which will vary by plan.
  • Medicare Advantage HMO-POS (Point-of-Service) plan: Unlike traditional HMO plans, an HMO-POS plan covers certain services out of network (generally with higher out-of-pocket costs). These plans offer beneficiaries a managed-care model that is similar to HMO plans, but with greater provider flexibility for some services.
  • Medicare Advantage Preferred Provider Organization (PPO) plans: PPOs offer provider flexibility, and you can see generally any doctor or provider you want (both in-network and out of network). Your copayments, coinsurance, and deductible amounts may be higher, however, if you use non-network providers. These plans from Blue Cross Blue Shield of Michigan may also offer Medicare Part D prescription drug coverage, routine vision, and dental services*

Any of the above types of Medicare Advantage plans may be a Medicare Advantage Prescription Drug plan. If you’re interested in enrolling in a Medicare Advantage plan that includes prescription drug benefits, double check with the plan before you apply, since plan benefits and costs may vary, and not every Medicare Advantage plan includes this coverage.

Does Blue Cross Blue Shield of Michigan offer Medicare Part D Prescription Drug Plans?

You may be eligible to enroll in stand-alone Medicare Part D prescription drug coverage through Blue Cross Blue Shield of Michigan if you are currently enrolled in Part A and/or Part B and live in the service area of the plan. These plans may help cover prescription drug costs if you’re enrolled in Original Medicare.

If you’re trying to find out if a certain Medicare Prescription Drug Plan covers your current medications, you can check the formulary, which is a detailed list of covered prescription medications and the costs of coverage for each medication (for example, your copayment and coinsurance costs). Plans may change their formularies at any time, but you will be notified in writing when necessary. Some plans may require you to use network providers in order to access benefits.

Does Blue Cross Blue Shield of Michigan offer Medicare Supplement (Medigap) plans?

Medigap plans help with paying certain out-of-pocket costs not covered by Original Medicare. Depending on the specific plan, you may be able to get help with expenses like cost sharing, Part B excess charges, and emergency travel coverage if you go out of the country. Please note that these are costs that, under Original Medicare, you’d normally be responsible for paying out of pocket.

In most states, including Michigan, there are up to 10 types of standardized Medicare Supplement plans available, which include different levels of coverage for out-of-pocket costs and other benefits. Each plan type is labeled with a letter A through N (for instance, Plan N), and not all plans are available in every location. Depending on where you live, you may be eligible to enroll in one of Blue Cross Blue Shield of Michigan’s range of Medigap plans. Plan premiums may vary by location, even if benefits are standardized across plans of the same letter type.

As you can tell, Blue Cross Blue Shield of Michigan offers several types of Medicare coverage to help with your prescription drug needs, out-of-pocket medical costs, and more. If you’d like to find out more about Medicare plan options that may work for your specific situation, you can do so in a few ways. If you’re ready to start browsing Medicare plan options right away, including those from Blue Cross Blue Shield of Michigan, feel free to click on the Find Plans button on this page. If you’re interested in finding plan options that cover your prescription drugs, you can enter your current medications to filter your search.

*Out-of-network/non-contracted providers are under no obligation to treat Preferred Provider Organization (PPO) plan members, except in emergency situations. For a decision about whether we will cover an out-of-network service, we encourage you or your provider to ask us for a pre-service organization determination before you receive the service. Please call our customer service number or see your Evidence of Coverage for more information, including the cost-sharing that applies to out-of-network services.

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