Blue Cross® Select HMO Silver
Blue Care Network of Michigan
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, except HSA eligible plans have no charge after deductible. Diagnostic services are not included in the office visit copayment. These services are subject to the plan's deductible.
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. No charge for 24/7 medical virtual visits when performed through the BCN selected vendor app, except HSA eligible plans have no charge after deductible. Diagnostic services are not included in the office visit copayment. These services are subject to the plan's deductible.
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:
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
Products that are HSA eligible:
Blue Cross® Premier PPO Bronze HSA
Blue Cross® Premier PPO Silver Saver HSA
Blue Cross® Preferred HMO Bronze Saver HSA
Blue Cross® Select HMO Bronze Saver HSA
Blue Cross® Local HMO Bronze Saver HSA
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