Some Medicare plans affiliated with Blue Cross Blue Shield available in Michigan in 2016 include BCN Advantage HMO ConnectedCare, BCN Advantage HMO MyChoice Wellness, Medicare Plus Blue PPO Vitality, BCN Advantage HMO-POS Classic and Medicare Plus BlueSM PPO Signature, according to Blue Cross Blue Shield of Michigan. These are considered balanced plans. Blue Cross Blue Shield of Michigan also offers light and extended Medicare Advantage plans.
The balanced plans provide a level of coverage that is a balance between cost and coverage, as Blue Cross Blue Shield of Michigan explains. Balanced plans are suggested for people who visit the doctor occasionally. All of the balanced plan offerings provide the same benefits covered by Original Medicare, Part D prescription coverage, and routine dental and vision care. The differences between the plans are network size and out-of-pocket costs.
Blue Cross Blue Shield of Michigan recommends its Medicare Advantage plans that provide light coverage to healthy people who do not take prescription medicines, want only basic coverage and prefer lower monthly payments. For people who frequently visit the doctor and take prescription medicines, the company recommends extended coverage plans, as its website indicates. Extended plan members pay the least out-of-pocket for doctor visits and pharmacy costs.