Top Medicare Advantage Plans in Michigan for 2024
Find Plans in your area with your ZIP Code
2024 Medicare Advantage Open Enrollment Begins October 15
Be the first to know about the best new plans in Michigan for 2024. Sign-up for our 2024 Medicare Advantage plan notification service HERE. The 2024 Medicare Part C information will be available in early October.
Finding the Best Medicare Advantage Plan in Michigan Starts Here
If you live in Michigan and you're thinking about enrolling in a 2024 Medicare Advantage plan, you're not alone. This year nearly half of all people with Medicare will join a Medicare Advantage plan because they want lower costs, more benefits, and access to more doctors and other healthcare providers.
This page aims to assist you in uncovering the highest-rated Medicare Advantage (MA) plans in Michigan, identifying the insurance providers that offer these plans, and providing guidance on locating suitable plans within your specific region. This information is vital since plan availability varies across different areas.
Table of Contents
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Locating the Best Medicare Advantage Plans in Michigan
The Centers for Medicare & Medicaid Service (CMS) rates and reviews Michigan's Medicare Advantage plans based on a 5-star rating scale. Information from members and data provided by plans is used to determine a plan's star rating.
Michigan has 5-star Medicare Advantage plans available in 2023. Not all states and locations do. This year, the highest rated Medicare plans available in Michigan come from:
- Priority Health Medicare
- UnitedHealthcare
We recommend evaluating the health plans from these Michigan health insurance companies ahead of all others. Here's why. Simply put, more stars generally mean members will get better results. Members might get better service, phone support, and care from a 5-star than they would from a four-star plan.
CRUCIAL: Benefits are not the same throughout Michigan. That's why it is essential that you fully understand the advantages and disadvantages of Medicare Advantage plans.
Complete List of Michigan's Providers
Approximately 19 health insurance providers offer Medicare Advantage plans in Michigan, including:
- Aetna Medicare
- Ascension Complete
- Blue Care Network
- Blue Cross Blue Shield of Michigan
- HAP Senior Plus
- Health Alliance Plan
- Humana
- McLaren Health Plan
- McLaren Medicare
- Molina Healthcare
- Molina Healthcare of Michigan
- Paramount Care
- PHP Medicare
- Priority Health Medicare
- Reliance HMO
- Reliance Medicare Advantage
- UnitedHealthcare
- Wellcare
- Zing Health
Top Ranked Plans in Michigan
According to the Centers for Medicare & Medicaid Services, here are the top-ranked Medicare Advantage Plans available in Michigan:
Top Medicare Advantage Plans in Michigan
| Provider | Plan ID | Plan Name | Premium | Limit | Stars |
|---|---|---|---|---|---|
| Priority Health Medicare | H2320-030 | PriorityMedicare ONE (HMO-POS) | $0.00 | $4,300 | 5.0 |
| Priority Health Medicare | H2320-028 | PriorityMedicare (HMO-POS) | $115.00 | $4,500 | 5.0 |
| Priority Health Medicare | H2320-029 | PriorityMedicare Value (HMO-POS) | $71.00 | $4,900 | 5.0 |
| Priority Health Medicare | H2320-022 | PriorityMedicare Key (HMO-POS) | $0.00 | $5,500 | 5.0 |
| UnitedHealthcare | H5652-001 | Erickson Advantage Signature with Drugs (HMO-POS) | $197.00 | $2,600 | 5.0 |
| UnitedHealthcare | H5652-008 | Erickson Advantage Liberty with Drugs (HMO-POS) | $0.00 | $7,550 | 5.0 |
| UnitedHealthcare | H5652-006 | Erickson Advantage Freedom (HMO-POS) | $68.00 | $4,300 | 5.0 |
| Blue Care Network | H5883-003 | BCN Advantage HMO-POS Prestige (HMO-POS) | $236.00 | $3,400 | 4.5 |
| Blue Care Network | H5883-015 | BCN Advantage Local (HMO) | $0.00 | $4,500 | 4.5 |
| Blue Care Network | H5883-012 | BCN Advantage HMO-POS Community Value (HMO-POS) | $17.00 | $4,300 | 4.5 |
| Blue Care Network | H5883-007 | BCN Advantage HMO ConnectedCare (HMO) | $56.00 | $3,800 | 4.5 |
| Blue Care Network | H5883-002 | BCN Advantage HMO-POS Classic (HMO-POS) | $122.00 | $3,800 | 4.5 |
| Blue Care Network | H5883-014 | BCN Advantage HMO-POS Prime Value (HMO-POS) | $0.00 | $4,500 | 4.5 |
| Blue Cross Blue Shield of Michigan | H9572-002 | Medicare Plus Blue PPO Vitality (PPO) | $83.00 | $5,000 | 4.5 |
| Blue Cross Blue Shield of Michigan | H9572-001 | Medicare Plus Blue PPO Signature (PPO) | $150.00 | $4,700 | 4.5 |
| Blue Cross Blue Shield of Michigan | H9572-004 | Medicare Plus Blue PPO Essential (PPO) | $0.00 | $5,200 | 4.5 |
| Blue Cross Blue Shield of Michigan | H9572-003 | Medicare Plus Blue PPO Assure (PPO) | $284.00 | $3,425 | 4.5 |
| Health Alliance Plan | H2354-028 | HAP MSUHC Medicare (HMO) | $0.00 | $5,000 | 4.5 |
| Health Alliance Plan | H2354-024 | HAP Primary Choice Medicare (HMO) | $0.00 | $5,000 | 4.5 |
| Health Alliance Plan | H2354-026 | HAP Choice Medicare - West Michigan Option 1 (HMO) | $0.00 | $5,000 | 4.5 |
| Health Alliance Plan | H2354-027 | HAP Choice Medicare - West Michigan Option 2 (HMO) | $45.00 | $4,500 | 4.5 |
| Health Alliance Plan | H2354-015 | HAP Senior Plus (HMO) | $0.00 | $4,500 | 4.5 |
| Health Alliance Plan | H2354-018 | HAP Senior Plus Henry Ford Tiered Access (HMO) | $99.00 | $4,750 | 4.5 |
| Health Alliance Plan | H2354-022 | HAP Senior Plus Option 2 (HMO-POS) | $190.00 | $4,000 | 4.5 |
| Health Alliance Plan | H2354-021 | HAP Senior Plus Option 1 (HMO-POS) | $99.00 | $5,000 | 4.5 |
| Humana | H5216-011 | HumanaChoice H5216-011 (PPO) | $99.00 | $5,900 | 4.5 |
| Humana | H5216-305 | Humana USAA Honor with Rx (PPO) | $0.00 | $6,550 | 4.5 |
| Humana | H5216-306 | HumanaChoice H5216-306 (PPO) | $0.00 | $6,550 | 4.5 |
| Humana | H5216-133 | HumanaChoice H5216-133 (PPO) | $17.00 | $6,400 | 4.5 |
| Humana | H5216-287 | HumanaChoice H5216-287 (PPO) | $0.00 | $4,900 | 4.5 |
| Humana | H5216-009 | HumanaChoice H5216-009 (PPO) | $70.00 | $5,900 | 4.5 |
| Paramount Care | H3653-004 | Paramount Elite Enhanced (HMO) | $68.00 | $3,600 | 4.5 |
| Paramount Care | H3653-022 | Paramount Elite Prime (HMO) | $28.00 | $3,700 | 4.5 |
| Paramount Care | H3653-015 | Paramount Elite Standard (HMO) | $0.00 | $4,200 | 4.5 |
| PHP Medicare | H7646-003 | PHP Advantage (HMO-POS) | $0.00 | $3,600 | 4.5 |
| PHP Medicare | H7646-007 | University of Michigan Health Advantage (HMO-POS) | $0.00 | $2,900 | 4.5 |
| PHP Medicare | H7646-008 | University of Michigan Health Advantage Plus (HMO-POS) | $25.00 | $2,900 | 4.5 |
| PHP Medicare | H7646-004 | Sparrow Advantage Plus (HMO-POS) | $25.00 | $3,600 | 4.5 |
| PHP Medicare | H7646-001 | Sparrow Advantage (HMO-POS) | $0.00 | $3,600 | 4.5 |
| PHP Medicare | H7646-006 | PHP Advantage Plus (HMO-POS) | $25.00 | $3,600 | 4.5 |
| PHP Medicare | H7646-005 | Covenant Advantage Plus (HMO-POS) | $25.00 | $3,600 | 4.5 |
| PHP Medicare | H7646-002 | Covenant Advantage (HMO-POS) | $0.00 | $3,600 | 4.5 |
| Priority Health Medicare | H4875-023 | PriorityMedicare + Kroger (PPO) | $0.00 | $4,900 | 4.5 |
| Priority Health Medicare | H4875-018 | PriorityMedicare Ideal (PPO) | $25.00 | $5,800 | 4.5 |
| Priority Health Medicare | H4875-022 | PriorityMedicare Vital (PPO) | $0.00 | $4,900 | 4.5 |
| Priority Health Medicare | H4875-020 | PriorityMedicare Edge (PPO) | $0.00 | $5,300 | 4.5 |
| Priority Health Medicare | H4875-021 | PriorityMedicare Compass (PPO) | $0.00 | $5,650 | 4.5 |
| Priority Health Medicare | H4875-017 | PriorityMedicare Select (PPO) | $206.00 | $3,500 | 4.5 |
| Priority Health Medicare | H4875-016 | PriorityMedicare Merit (PPO) | $105.00 | $4,100 | 4.5 |
| UnitedHealthcare | H0294-020 | AARP Medicare Advantage Open Plan 2 (PPO) | $28.00 | $4,200 | 4.5 |
| UnitedHealthcare | H0294-019 | AARP Medicare Advantage Open Plan 1 (PPO) | $0.00 | $5,200 | 4.5 |
| UnitedHealthcare | H0294-025 | AARP Medicare Advantage Open Flex (PPO) | $28.00 | $4,200 | 4.5 |
| UnitedHealthcare | H0294-024 | AARP Medicare Advantage Open (PPO) | $0.00 | $5,200 | 4.5 |
The top providers listed above do not tell the full story. That's because your Michigan County may or may not have one of the top-rated plans. Unlike Original Medicare, Medicare Advantage plans are regional. Read How Does Medicare Advantage Work to learn more.
Best MA Plans in Michigan by County
Choose your Michigan County below to see the best (and the worst) plans.
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Find Your Perfect Fit: How to Pick the Best Medicare Advantage Plan in Michigan
You may be looking at plans for several different reasons, including turning 65 or the Annual Enrollment Period. Or, perhaps you are navigating a special enrollment event, such as moving to a new area. In all of these cases, there are a few important details you need to consider.
1. Consider Your Expected Utilization
Utilization is what determines your overall cost. Healthy individuals use fewer healthcare services. These people can save money by evaluating plans with low monthly premiums. Be aware that these plans often have higher copayments and a higher maximum out-of-pocket limit.
The opposite is true if you have one or more health conditions and frequently use healthcare services, especially hospital inpatient care. In this case, plans with higher monthly premiums, low copayments, and low maximum out-of-pocket limits will help you save money.
2. Examine Your Prescription Medication Expenses
Prescription drugs are often the main reason that seniors pay more for healthcare. Because most Michigan Medicare Advantage plans include Part D coverage for prescriptions, it is important to ensure you get the right plan that covers your drugs at a cost you can afford.
3. Understand Your Additional Coverage Requirements
Original Medicare only covers your major medical services, leaving you to pay for dental, vision, hearing, and other healthcare services, or get additional coverage. Fortunately, a growing number of Medicare Advantage plans cover many of the essential services not covered by your Part A and Part B benefits.
4. Think About Your Preferred Healthcare Providers
Medicare Advantage plans have healthcare provider networks. Unfortunately, not all specialists and primary care doctors accept all plans. Many people on Medicare in Michigan tell us it's difficult to find a plan their doctors take. We can help!
Find Plans in your area with your ZIP Code
Next Steps
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Frequently Asked Questions
Still have questions? These common questions and answers might help.
What are the pros and cons of a Medicare Advantage plan?
Medicare Advantage plans have several potential disadvantages. For instance, most plans require their members to use their network of providers. Also, costs are also largely based on your use of healthcare services, making it more difficult to budget for healthcare costs. And, most plans make members get referrals to see a specialist or prior authorization to receive a service. Read about all five disadvantages of Medicare Advantage plans.
How much do Medicare Advantage plans cost in Michigan?
A Medicare Advantage plan in Michigan costs an average of $33.85. This is just the monthly premium. You should also consider the out-of-pocket expenses of a plan if you have any chronic conditions, which include a plan's copays and deductibles. Prescription drug benefits are also included in most Medicare Advantage plans, but they have their own out-of-pocket costs.
What is every Medicare Advantage plan required to include?
At a minimum, every Medicare Advantage plan sold in Michigan must cover all of the benefits offered in Original Medicare. However, plans are not required to cover healthcare services in the same way. Medicare Part A covers 80% of hospital stays, skilled nursing, home health care, and hospice care. Part B covers 80% of doctor visits, lab tests, and other outpatient services. But, Medicare Advantage plans can set their own copays, and often charge more than 20%. On the positive side, plans must set an annual out-of-pocket limit.
Citations & References
- CMS.gov, 2023 Medicare Part C Landscape Source Files, Last Accessed January 13, 2023
- Medicare.gov, "5-star special enrollment period", Last Accessed October 20, 2022
- Medicare.gov, "Medicare Advantage Plans", Last Accessed October 1, 2022
- KFF.org, "An Overview of the Medicare Part D Prescription Drug Benefit", Last Accessed October 19, 2022
- Medicare.gov, "Things to know about Medicare Advantage Plans", Last Accessed October 12, 2022
- CMS.gov, Part C and D Performance Data, Last Accessed January 13, 2023
- CMS.gov, Monthly MA Enrollment by State/County/Contract, Last Accessed January 13, 2023
- CMS.gov, Biden-Harris Administration Announces Lower Premiums for Medicare Advantage and Prescription Drug Plans in 2023, Last Accessed September 29, 2022
- CMS.gov, Medicare Marketing Guidelines, Last Accessed February 2, 2023
Plans Offered
Medicare Advantage and Part D plans and benefits offered by the following carriers: Aetna Medicare, Anthem Blue Cross Blue Shield, Aspire Health Plan, Centene Corporation, Dean Health Plan, Devoted Health, GlobalHealth, Health Care Service Corporation, Cigna-HealthSpring, Humana, Molina Healthcare, Mutual of Omaha, Oscar Health Insurance, Premera Blue Cross, Medica Central Health Plan, SCAN Health Plan, Scott and White Health Plan now part of Baylor Scott & White Health, and UnitedHealthcare.
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