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Blue Cross Blue Shield of Michigan
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Your BCN POS Plan Benefits

Learn the benefits of your Blue Care Network Point of Service plan, or BCN POS, and the great things that come with it.

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Set up your member account

Having a member account makes it easy to access your health plan details to:

  • Track deductibles, maximums and copays
  • View coverage for health care services
  • Search and view your claims history
  • See cost estimates for procedures
  • Get real-time notifications for prior authorizations
REGISTER

Visit the mobile app page to learn more and download the app.

Choose or find a new provider

Michigan Residents

Once you enroll, you’ll need to select a BCN primary care provider. You can have one primary care provider for everyone in your family. Or each family member can have their own. When you need to see a specialist or another physician, you won’t need a referral.

Non-Michigan Residents

Once you enroll, you don’t need an assigned primary care provider or a referral to see other health care providers. To receive your lower-cost, in-network benefits, you’ll need to choose from the nationwide network of Blue Plan providers.

LOG IN TO FIND A PROVIDER

Find ways to choose or change a PCP without logging in.

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Understand your plan

Review your plan information

  • Video

    Welcome video

  • pdf

    Welcome guide

  • Pdf

    2025 drug list

  • PDF

    POS plan FAQs

Log in to view your health plan details.

Learn about HSAs and HRAs

Learn more about your savings plan and how to use it.

Learn more

Frequently asked questions

How do deductibles, coinsurance and copays work?

Deductibles
A deductible is the amount you pay for health care services before your health insurance begins to pay. If your health plan deductible is $1,500, you’ll pay 100% of eligible health care expenses until the bills total $1,500. After that, you share the cost with your plan by paying coinsurance.

Coinsurance
Coinsurance is your share of the cost of a health care service, usually a fixed percentage of what Blue Cross pays your provider. You start paying coinsurance after you've paid your health plan deductible.

Copays
For instance, you’ve paid $1,500 in health care expenses and met your deductible. When you see a provider, instead of paying all costs, you and your plan share the cost. For example, your plan pays 70%. The 30% you pay is your coinsurance.

What is an out-of-pocket maximum?

An out-of-pocket maximum is the most you’ll pay for services you receive during a plan year. It includes your deductible, coinsurance and copay.

Once you’ve reached your out-of-pocket maximum, your health plan pays 100% of the allowed amount for health care services. You will still be responsible for your monthly payment or premium and health care services not included in your plan’s benefits.

How do prior authorizations work with my POS plan?

A prior authorization is approval from us for certain services, such as hospitalization, certain radiology services and outpatient therapy.

In some cases, we require authorization to make sure what’s being requested is appropriate for your condition and medically necessary. A prior authorization may be required for certain prescription drugs, medical tests, surgeries and other health care services. Your plan may also have requirements about where to get certain services.Learn more about prior authorization with your plan.

Make the most of your plan

Explore the resources and extras that go with your health plan.

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Behavioral health resources

View behavioral health options
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Virtual visits

Access Virtual Care by Teladoc Health®
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24-Hour Nurse Line

Talk to a registered nurse
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Care when you travel

Learn about care away from home
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Exclusive discounts

See Blue365® member discounts
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Virtual webinars

Access Virtual Well-Being℠

Questions?

Don’t see the answers you’re looking for? Call the number on the back of your card or call 1-800-662-6667 from 8 a.m. to 8 p.m. Monday through Friday.

Blue Care Network is a nonprofit corporation and independent licensee of the Blue Cross and Blue Shield Association. 

Teladoc Health® is an independent company that provides virtual care solutions on behalf of Blue Cross Blue Shield of Michigan and Blue Care Network. 

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©1996-2025 Blue Cross Blue Shield of Michigan and Blue Care Network are nonprofit corporations and independent licensees of the Blue Cross Blue Shield Association. We provide health insurance in Michigan. State and Federal Privacy laws prohibit unauthorized access to Member's private information. Individuals attempting unauthorized access will be prosecuted.