BCN Advantage HMO-POS Classic: Medicare Advantage Local HMO Plan for Bay, MI Beneficiaries

BCN Advantage HMO-POS Classic (H5883-002), Bay County, MI, Health Maintenance Organization Coverage Information (2013 Medicare Advantage Plan)

BCN Advantage HMO-POS Classic is a Medicare Advantage Health Maintenance Organization (HMO) healthcare plan for seniors and other Medicare recipients residing in Bay County, MI. It includes all the benefits of Original Medicare and may include prescription drug coverage and other extras. The primary benefit of an HMO is that the out-of-pocket costs are lower and more predictable than with other types of plans.

Please note: You must use plan providers. You will be responsible for the costs of out of network care. Referrals may be required for all but primary care physician visits.

The health care benefit information provided here is an overview only and not a comprehensive description of available benefits. Additional information about the plan benefits is available from your agent.

Monthly Premium

The monthly premium for this healthcare plan is $96.00 plus your monthly Medicare Part B premium. Most Medicare Beneficiaries pay the standard monthly Part B premium in addition to their MA or MAPD plan premium. However, some beneficiaries are required to pay slightly higher Part B and Part D premiums because of their income (over $85,000 per year for singles or $170,000 for married couples), or due to late enrollment penalties.

Summary of Benefits

NOTE: As of this publication date the Summary of Benefits information for this 2013 plan was not available from CMS. Please ask your agent for the Summary of Benefits documentation.

Part D Plan Information

The Part D deductible for this plan is $0.00. That means you have first dollar coverage.

Maximum Out of Pocket (MOOP) Benefit

In 2010 the Patient Protection and Affordable Care Act (health reform) placed a mandatory maximum limit of $6,700 on all out of pocket medical costs for Medicare Advantage plans, which is referred to as the Maximum Out of Pocket or MOOP. The MOOP does not include prescription drugs and monthly premiums. The Mandatory MOOP is $6,700 but the Affordable Care Act allows for a “Voluntary MOOP” of up to $3,400. This plan's MOOP is $3,400