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Michigan

Top Medicare Advantage Plans in Michigan for 2024

by David Bynon, last updated September 22, 2023

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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

Who Has The Best Plans in Michigan? Complete List of Providers Best Plans By CMS Rating Best Plans By County How To Find The Best Plan Next Steps
If you qualify for Medicare Advantage but don't know where to begin, we have licensed agents[1] who can answer your questions and help you get enrolled.

Call 1-855-728-0510 (TTY 711) for assistance. There's no obligation.

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:

  1. Priority Health Medicare
  2. 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

Best Medicare Advantage Plans in Michigan for 2023
Provider Plan ID Plan Name Premium Limit Stars
Priority Health MedicareH2320-030PriorityMedicare ONE (HMO-POS)$0.00$4,3005.0
Priority Health MedicareH2320-028PriorityMedicare (HMO-POS)$115.00$4,5005.0
Priority Health MedicareH2320-029PriorityMedicare Value (HMO-POS)$71.00$4,9005.0
Priority Health MedicareH2320-022PriorityMedicare Key (HMO-POS)$0.00$5,5005.0
UnitedHealthcareH5652-001Erickson Advantage Signature with Drugs (HMO-POS)$197.00$2,6005.0
UnitedHealthcareH5652-008Erickson Advantage Liberty with Drugs (HMO-POS)$0.00$7,5505.0
UnitedHealthcareH5652-006Erickson Advantage Freedom (HMO-POS)$68.00$4,3005.0
Blue Care NetworkH5883-003BCN Advantage HMO-POS Prestige (HMO-POS)$236.00$3,4004.5
Blue Care NetworkH5883-015BCN Advantage Local (HMO)$0.00$4,5004.5
Blue Care NetworkH5883-012BCN Advantage HMO-POS Community Value (HMO-POS)$17.00$4,3004.5
Blue Care NetworkH5883-007BCN Advantage HMO ConnectedCare (HMO)$56.00$3,8004.5
Blue Care NetworkH5883-002BCN Advantage HMO-POS Classic (HMO-POS)$122.00$3,8004.5
Blue Care NetworkH5883-014BCN Advantage HMO-POS Prime Value (HMO-POS)$0.00$4,5004.5
Blue Cross Blue Shield of MichiganH9572-002Medicare Plus Blue PPO Vitality (PPO)$83.00$5,0004.5
Blue Cross Blue Shield of MichiganH9572-001Medicare Plus Blue PPO Signature (PPO)$150.00$4,7004.5
Blue Cross Blue Shield of MichiganH9572-004Medicare Plus Blue PPO Essential (PPO)$0.00$5,2004.5
Blue Cross Blue Shield of MichiganH9572-003Medicare Plus Blue PPO Assure (PPO)$284.00$3,4254.5
Health Alliance PlanH2354-028HAP MSUHC Medicare (HMO)$0.00$5,0004.5
Health Alliance PlanH2354-024HAP Primary Choice Medicare (HMO)$0.00$5,0004.5
Health Alliance PlanH2354-026HAP Choice Medicare - West Michigan Option 1 (HMO)$0.00$5,0004.5
Health Alliance PlanH2354-027HAP Choice Medicare - West Michigan Option 2 (HMO)$45.00$4,5004.5
Health Alliance PlanH2354-015HAP Senior Plus (HMO)$0.00$4,5004.5
Health Alliance PlanH2354-018HAP Senior Plus Henry Ford Tiered Access (HMO)$99.00$4,7504.5
Health Alliance PlanH2354-022HAP Senior Plus Option 2 (HMO-POS)$190.00$4,0004.5
Health Alliance PlanH2354-021HAP Senior Plus Option 1 (HMO-POS)$99.00$5,0004.5
HumanaH5216-011HumanaChoice H5216-011 (PPO)$99.00$5,9004.5
HumanaH5216-305Humana USAA Honor with Rx (PPO)$0.00$6,5504.5
HumanaH5216-306HumanaChoice H5216-306 (PPO)$0.00$6,5504.5
HumanaH5216-133HumanaChoice H5216-133 (PPO)$17.00$6,4004.5
HumanaH5216-287HumanaChoice H5216-287 (PPO)$0.00$4,9004.5
HumanaH5216-009HumanaChoice H5216-009 (PPO)$70.00$5,9004.5
Paramount CareH3653-004Paramount Elite Enhanced (HMO)$68.00$3,6004.5
Paramount CareH3653-022Paramount Elite Prime (HMO)$28.00$3,7004.5
Paramount CareH3653-015Paramount Elite Standard (HMO)$0.00$4,2004.5
PHP MedicareH7646-003PHP Advantage (HMO-POS)$0.00$3,6004.5
PHP MedicareH7646-007University of Michigan Health Advantage (HMO-POS)$0.00$2,9004.5
PHP MedicareH7646-008University of Michigan Health Advantage Plus (HMO-POS)$25.00$2,9004.5
PHP MedicareH7646-004Sparrow Advantage Plus (HMO-POS)$25.00$3,6004.5
PHP MedicareH7646-001Sparrow Advantage (HMO-POS)$0.00$3,6004.5
PHP MedicareH7646-006PHP Advantage Plus (HMO-POS)$25.00$3,6004.5
PHP MedicareH7646-005Covenant Advantage Plus (HMO-POS)$25.00$3,6004.5
PHP MedicareH7646-002Covenant Advantage (HMO-POS)$0.00$3,6004.5
Priority Health MedicareH4875-023PriorityMedicare + Kroger (PPO)$0.00$4,9004.5
Priority Health MedicareH4875-018PriorityMedicare Ideal (PPO)$25.00$5,8004.5
Priority Health MedicareH4875-022PriorityMedicare Vital (PPO)$0.00$4,9004.5
Priority Health MedicareH4875-020PriorityMedicare Edge (PPO)$0.00$5,3004.5
Priority Health MedicareH4875-021PriorityMedicare Compass (PPO)$0.00$5,6504.5
Priority Health MedicareH4875-017PriorityMedicare Select (PPO)$206.00$3,5004.5
Priority Health MedicareH4875-016PriorityMedicare Merit (PPO)$105.00$4,1004.5
UnitedHealthcareH0294-020AARP Medicare Advantage Open Plan 2 (PPO)$28.00$4,2004.5
UnitedHealthcareH0294-019AARP Medicare Advantage Open Plan 1 (PPO)$0.00$5,2004.5
UnitedHealthcareH0294-025AARP Medicare Advantage Open Flex (PPO)$28.00$4,2004.5
UnitedHealthcareH0294-024AARP Medicare Advantage Open (PPO)$0.00$5,2004.5

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.

Alcona County, MI Medicare Advantage Plans
Alger County, MI Medicare Advantage Plans
Allegan County, MI Medicare Advantage Plans
Alpena County, MI Medicare Advantage Plans
Antrim County, MI Medicare Advantage Plans
Arenac County, MI Medicare Advantage Plans
Baraga County, MI Medicare Advantage Plans
Barry County, MI Medicare Advantage Plans
Bay County, MI Medicare Advantage Plans
Benzie County, MI Medicare Advantage Plans
Berrien County, MI Medicare Advantage Plans
Branch County, MI Medicare Advantage Plans
Calhoun County, MI Medicare Advantage Plans
Cass County, MI Medicare Advantage Plans
Charlevoix County, MI Medicare Advantage Plans
Cheboygan County, MI Medicare Advantage Plans
Chippewa County, MI Medicare Advantage Plans
Clare County, MI Medicare Advantage Plans
Clinton County, MI Medicare Advantage Plans
Crawford County, MI Medicare Advantage Plans
Delta County, MI Medicare Advantage Plans
Dickinson County, MI Medicare Advantage Plans
Eaton County, MI Medicare Advantage Plans
Emmet County, MI Medicare Advantage Plans
Genesee County, MI Medicare Advantage Plans
Gladwin County, MI Medicare Advantage Plans
Gogebic County, MI Medicare Advantage Plans
Grand Traverse County, MI Medicare Advantage Plans
Gratiot County, MI Medicare Advantage Plans
Hillsdale County, MI Medicare Advantage Plans
Houghton County, MI Medicare Advantage Plans
Huron County, MI Medicare Advantage Plans
Ingham County, MI Medicare Advantage Plans
Ionia County, MI Medicare Advantage Plans
Iosco County, MI Medicare Advantage Plans
Iron County, MI Medicare Advantage Plans
Isabella County, MI Medicare Advantage Plans
Jackson County, MI Medicare Advantage Plans
Kalamazoo County, MI Medicare Advantage Plans
Kalkaska County, MI Medicare Advantage Plans
Kent County, MI Medicare Advantage Plans
Keweenaw County, MI Medicare Advantage Plans
Lake County, MI Medicare Advantage Plans
Lapeer County, MI Medicare Advantage Plans
Leelanau County, MI Medicare Advantage Plans
Lenawee County, MI Medicare Advantage Plans
Livingston County, MI Medicare Advantage Plans
Luce County, MI Medicare Advantage Plans
Mackinac County, MI Medicare Advantage Plans
Macomb County, MI Medicare Advantage Plans
Manistee County, MI Medicare Advantage Plans
Marquette County, MI Medicare Advantage Plans
Mason County, MI Medicare Advantage Plans
Mecosta County, MI Medicare Advantage Plans
Menominee County, MI Medicare Advantage Plans
Midland County, MI Medicare Advantage Plans
Missaukee County, MI Medicare Advantage Plans
Monroe County, MI Medicare Advantage Plans
Montcalm County, MI Medicare Advantage Plans
Montmorency County, MI Medicare Advantage Plans
Muskegon County, MI Medicare Advantage Plans
Newaygo County, MI Medicare Advantage Plans
Oakland County, MI Medicare Advantage Plans
Oceana County, MI Medicare Advantage Plans
Ogemaw County, MI Medicare Advantage Plans
Ontonagon County, MI Medicare Advantage Plans
Osceola County, MI Medicare Advantage Plans
Oscoda County, MI Medicare Advantage Plans
Otsego County, MI Medicare Advantage Plans
Ottawa County, MI Medicare Advantage Plans
Presque Isle County, MI Medicare Advantage Plans
Roscommon County, MI Medicare Advantage Plans
Saginaw County, MI Medicare Advantage Plans
Saint Clair County, MI Medicare Advantage Plans
Saint Joseph County, MI Medicare Advantage Plans
Sanilac County, MI Medicare Advantage Plans
Schoolcraft County, MI Medicare Advantage Plans
Shiawassee County, MI Medicare Advantage Plans
Tuscola County, MI Medicare Advantage Plans
Van Buren County, MI Medicare Advantage Plans
Washtenaw County, MI Medicare Advantage Plans
Wayne County, MI Medicare Advantage Plans
Wexford County, MI Medicare Advantage Plans
Need assistance finding the best Medicare Advantage for you? Let the professionals at HealthCompare [1] answer your questions and show you your best plan options.

For fast, friendly assistance call 1-855-728-0510 (TTY 711) .

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

If you qualify for Medicare Advantage but don't know where to begin, we have licensed agents[1] who can answer your questions and help you get enrolled.

Call 1-855-728-0510 (TTY 711) for assistance. There's no obligation.

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.

For Researchers

Next State of Best Medicare Advantage Plans:

  • https://medicarewire.com/medicare-advantage/minnesota/

Previous State of Best Medicare Advantage Plans:

  • https://medicarewire.com/medicare-advantage/massachusetts/

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[4] The standard Part B premium for 2023 is $164.90. Monthly savings vary and may be subject to processing delays and may not be immediate. Not available with all plans. Availability varies by carrier and location.


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