BCN Advantage Elements (HMO-POS) Medicare Advantage Plan H5883-001-2 • 2026 • Branch County, MI

BCN Advantage Elements Overview

Plan Overview for BCN Advantage Elements

This Medicare Advantage HMO-POS plan provides Medicare Part A and Part B coverage through a network of participating providers, with limited coverage available for out-of-network services in certain situations. The monthly premium is $0.00, and costs are generally lower when services are received from in-network providers.

Primary care visits have a $0 copay | Out-of-network: $0-$35 copay, specialist visits come with a $35 copay | Out-of-network: $0-$35 copay, urgent care services carry a $0-$45 copay, and ambulance transportation is $300 copay | Out-of-network: $90-$300 copay. These costs apply toward the annual maximum out-of-pocket (MOOP) limit of $4500.00. After this limit is reached, in-network services are fully covered for the remainder of the year.

This plan is registered with CMS under Plan ID H5883-001-2. Cost-sharing details for key services are provided below.

Cost Sharing Expenses

BCN Advantage Elements has cost-sharing, meaning there are out-of-pocket costs when receiving covered healthcare services. The table below details the most common in-network out-of-pocket expenses for plan H5883-001-2.

Certain preventive services are covered 100% by BCN Advantage Elements as a Part B benefit.

Prescription Drug Coverage

This plan does not include a Medicare Part D plan for prescriptions.

CMS Star Ratings

The Centers for Medicare & Medicaid Services (CMS) rates Medicare Advantage (Part C) and Part D prescription drug plans each year using a 5-star system. These ratings measure plan performance in areas such as preventive care, management of chronic conditions, and member experience.