Blue Cross® Preferred HMO Silver

Blue Care Network of Michigan
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Plan overview
Medical deductible

Individual: $4500

Family: $9000

Per Person: $4500


Prescription drug deductible

Individual: $0

Family: $0

Per Person: $0


Combined medical and drug out of pocket maximum

Individual: $10600

Family: $21200

Per Person: $10600

Office visit
Primary Doctor

CoPay: $30.00

CoInsurance: Not Applicable

Covered: Covered

Benefit Explanation: Includes virtual, retail health clinic and medical evaluation at an affiliated immunization pharmacy visits. No charge for 24/7 medical virtual visits when performed through the BCN selected vendor app. Diagnostic services are not included in the office visit copayment. These services are subject to the plan's deductible and coinsurance, if applicable.


Specialist

CoPay: $50.00 Copay after deductible

CoInsurance: Not Applicable

Covered: Covered

Benefit Explanation: Referral required. The penalty for not having a referral is denial of payment. Diagnostic services are not included in the office visit copayment. These services are subject to the plan's deductible and coinsurance, if applicable. No charge for 24/7 medical virtual visits when performed through the BCN selected vendor app.

Prescription drug information
Preferred brand drugs

CoPay: $100.00 Copay after deductible

CoInsurance: Not Applicable

Covered: Covered

Limit Quantity:

Limit Unit:

Benefit Explanation: Refer to drug list for quantity limits and other exclusions. May require prior authorization & step therapy. The penalty for not having prior authorization is denial of payment. Preventive drugs are covered with no out-of-pocket costs when health care reform requirements are met. Any coupon, rebate, or other credits received directly or indirectly from an assistance program or the drug manufacturer may not be applied to a consumer’s deductible, cost-sharing or out of pocket maximum


Non preferred brand drugs

CoPay: $150.00 Copay after deductible

CoInsurance: Not Applicable

Covered: Covered

Limit Quantity:

Limit Unit:

Benefit Explanation: Refer to drug list for quantity limits and other exclusions. May require prior authorization & step therapy. The penalty for not having prior authorization is denial of payment. Preventive drugs are covered with no out-of-pocket costs when health care reform requirements are met. Any coupon, rebate, or other credits received directly or indirectly from an assistance program or the drug manufacturer may not be applied to a consumer’s deductible, cost-sharing or out of pocket maximum


Generic drugs

CoPay: $4.00 Copay after deductible

CoInsurance: Not Applicable

Covered: Covered

Limit Quantity:

Limit Unit:

Benefit Explanation: Refer to drug list for quantity limits and other exclusions. May require prior authorization & step therapy. The penalty for not having prior authorization is denial of payment. Preventive drugs are covered with no out-of-pocket costs when health care reform requirements are met. Any coupon, rebate, or other credits received directly or indirectly from an assistance program or the drug manufacturer may not be applied to a consumer’s deductible, cost-sharing or out of pocket maximum


Specialty drugs

CoPay: Not Applicable

CoInsurance: 40.00% Coinsurance after deductible

Covered: Covered

Limit Quantity:

Limit Unit:

Benefit Explanation: Refer to drug list for quantity limits and other exclusions. BCN has contracted with an exclusive pharmacy network for specialty drugs. Call the customer service phone number on the back of your ID card for the pharmacy’s phone number or location nearest to you. If you obtain your specialty drugs from any other pharmacy, you are responsible for the total cost. Prior authorization, step therapy and quantity limits may apply to select drugs. The penalty for not having prior authorization is denial of payment. Any coupon, rebate, or other credits received directly or indirectly from an assistance program or the drug manufacturer may not be applied to a consumer’s deductible, cost-sharing or out of pocket maximum

Inpatient coverage
Hospital services

CoPay: Not Applicable

CoInsurance: 20.00% Coinsurance after deductible

Covered: Covered

Benefit Explanation: Prior authorization required. The penalty for not having prior authorization is denial of payment.


Inpatient services

CoPay: Not Applicable

CoInsurance: 20.00% Coinsurance after deductible

Covered: Covered

Benefit Explanation: Prior authorization required. The penalty for not having prior authorization is denial of payment.

Emergency and urgent care
Emergency room

CoPay: $250.00 Copay after deductible

CoInsurance: 20.00% Coinsurance after deductible

Covered: Covered

Benefit Explanation: Emergency room visits will be covered at non-participating facilities for medical emergencies and accidental injuries only. Copayment waived if admitted inpatient into the hospital.


Urgent care facility

CoPay: $40.00

CoInsurance: Not Applicable

Covered: Covered

Benefit Explanation: Urgent Care visits will be covered at non-participating providers for medical emergencies and accidental injuries only.

Maternity
Labor and delivery hospital stay

CoPay: Not Applicable

CoInsurance: 20.00% Coinsurance after deductible

Covered: Covered

Benefit Explanation: Prior authoriztion required. The penalty for not having prior authorization is denial of payment.


Pre and Postnatal office visit

CoPay: No Charge

CoInsurance: Not Applicable

Covered: Covered

Benefit Explanation: Cost sharing does not apply for preventive services. Depending on the type of services, a copayment, coinsurance, or deductible may apply.

Vision
Routine Eye Exams for Children

CoPay: No Charge

CoInsurance: Not Applicable

Covered: Covered

Limit Quantity: 1

Limit Unit: Exam(s) per Year

Benefit Explanation: Out of network is paid up to the allowed amount. A child is defined as a member up to age 19.

Major dental care
Routine dental checkups for children

CoPay:

CoInsurance:

Covered: Not Covered

Limit Quantity:

Limit Unit:


Routine dental checkups for adults

CoPay:

CoInsurance:

Covered: Not Covered

Limit Quantity:

Limit Unit:

Benefit Explanation:

Have questions?

A licensed insurance agent can help you find the health insurance you need

These policies have exclusions, limitations, reduction of benefits, terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, call or write your insurance agent or the company (whichever is applicable).

The premiums shown include BCBSM's/BCN's estimates of applicable Federal and state taxes, fees and assessments. BCBSM's/BCN's estimates are subject to change. BCBSM/BCN will not reconcile or settle any amounts collected with actual amounts owed for such Federal and state taxes, fees, and assessments.

HSA Eligible Products

  1. Products that are HSA eligible:

  2. Blue Cross® Premier PPO Bronze HSA

  3. Blue Cross® Premier PPO Silver Saver HSA

  4. Blue Cross® Preferred HMO Bronze Saver HSA

  5. Blue Cross® Select HMO Bronze Saver HSA

  6. Blue Cross® Local HMO Bronze Saver HSA

  7. Blue Cross® Metro Detroit HMO Bronze Saver HSA

There is a $0* charge per month for our HSA. If you would like to learn more please visit: www.bcbsm.com/healthybluehsa.
* fee is subject to change