Best 2024 Medicare Advantage Plans in Michigan
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Uncovering the Best Medicare Advantage Plans in Michigan
Are you considering enrolling in a Medicare Advantage plan in Michigan? You're in good company. This year, more than 31 million people enrolled in a private Medicare health plan. Some want lower costs. Some are looking for more benefits. Others need access to more healthcare providers and doctors.
This page is dedicated to assisting you in exploring the highest-rated Medicare Advantage (MA) plans available in Michigan, highlighting the insurance providers that offer these plans, and providing guidance on locating suitable plans within your specific geographic region. This information is crucial as the availability of these plans varies by location, and it's essential to identify the options accessible in your area.
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Unveiling the Standout Medicare Advantage Plans in Michigan
Each year, the Centers for Medicare & Medicaid Services (CMS), reviews and rates Michigan's Medicare Advantage plans based on a 5-star scale. The information used to create a plan's star rating comes from member input and data reported by the plan.
Michigan has 5-star Medicare Advantage plans available in 2024. Not all states and locations do. This year, the highest rated Medicare plans available in Michigan come from:
- Priority Health Medicare
- Erickson Advantage
- UnitedHealthcare
MedicareWire recommends evaluating plans from these Michigan health insurance companies first. Why? Because more stars mean a better plan. For instance, members may get better care, customer service, and phone support from a 5-star plan than from a 4-star one.
IMPORTANT: Depending on where you live in Michigan, Medicare Advantage plans may have many valuable benefits (as compared to Original Medicare). But, before you choose, it's crucial that you understand the potential disadvantage of Medicare Advantage plans. Compare coverage and costs carefully.
Complete List of Michigan's Plan Providers
Michigan has 25 providers that offer Medicare Advantage plans. They include:
- Aetna Medicare
- Ascension Complete
- Blue Care Network
- Blue Cross Blue Shield of Michigan
- CCA Health Michigan
- Erickson Advantage
- HAP Senior Plus
- HAP Senior Plus (PPO)
- Health Alliance Plan
- Humana
- McLaren Health Plan
- McLaren Medicare
- MediGold
- Molina Healthcare
- Molina Healthcare of Michigan
- Paramount Care
- Paramount Elite Medicare Plans
- PHP Medicare
- Priority Health Medicare
- Reliance HMO
- Reliance Medicare Advantage
- UnitedHealthcare
- Wellcare
- Wellcare by Allwell
- Zing Health
Michigan's Top-Rated Plans
Here are the top-ranked Medicare Advantage plans in Michigan, according to the Centers for Medicare & Medicaid Services:
Top Medicare Advantage Plans in Michigan
Provider | Plan ID | Plan Name | Premium | Limit | Stars |
---|---|---|---|---|---|
Erickson Advantage | H5652-001 | Erickson Advantage Signature with Drugs (HMO-POS) | $197.00 | $2,600 | 5.0 |
Erickson Advantage | H5652-008 | Erickson Advantage Liberty with Drugs (HMO-POS) | $0.00 | $7,550 | 5.0 |
Erickson Advantage | H5652-008 | Erickson Advantage Liberty (HMO-POS) | $0.00 | $7,300 | 5.0 |
Erickson Advantage | H5652-006 | Erickson Advantage Freedom (HMO-POS) | $64.00 | $4,300 | 5.0 |
Erickson Advantage | H5652-001 | Erickson Advantage Signature (HMO-POS) | $168.00 | $2,600 | 5.0 |
Priority Health Medicare | H2320-030 | PriorityMedicare ONE (HMO-POS) | $0.00 | $4,300 | 5.0 |
Priority Health Medicare | H2320-028 | PriorityMedicare (HMO-POS) | $81.00 | $4,500 | 5.0 |
Priority Health Medicare | H2320-022 | PriorityMedicare Key (HMO-POS) | $0.00 | $5,000 | 5.0 |
Priority Health Medicare | H2320-029 | PriorityMedicare Value (HMO-POS) | $34.00 | $4,900 | 5.0 |
Blue Care Network | H5883-003 | BCN Advantage HMO-POS Prestige (HMO-POS) | $226.00 | $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) | $102.00 | $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 | H9572-001 | Medicare Plus Blue PPO Signature (PPO) | $120.00 | $4,700 | 4.5 |
Blue Cross Blue Shield of Michigan | H9572-002 | Medicare Plus Blue PPO Vitality (PPO) | $78.00 | $5,000 | 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) | $244.00 | $3,425 | 4.5 |
HAP Senior Plus | H2354-022 | HAP Senior Plus Option 2 (HMO-POS) | $190.00 | $4,000 | 4.5 |
HAP Senior Plus | H2354-027 | HAP Choice Medicare - West Michigan Option 2 (HMO) | $45.00 | $4,500 | 4.5 |
HAP Senior Plus | H2354-026 | HAP Choice Medicare - West Michigan Option 1 (HMO) | $0.00 | $5,000 | 4.5 |
HAP Senior Plus | H2354-018 | HAP Senior Plus Henry Ford Tiered Access (HMO) | $99.00 | $4,750 | 4.5 |
HAP Senior Plus | H2354-024 | HAP Primary Choice Medicare (HMO) | $0.00 | $5,000 | 4.5 |
HAP Senior Plus | H2354-021 | HAP Senior Plus Option 1 (HMO-POS) | $99.00 | $5,000 | 4.5 |
HAP Senior Plus | H2354-015 | HAP Senior Plus (HMO) | $0.00 | $4,500 | 4.5 |
HAP Senior Plus | H2354-028 | HAP MSUHC Medicare (HMO) | $0.00 | $5,000 | 4.5 |
HAP Senior Plus (PPO) | H2322-008 | HAP Senior Plus (PPO) | $165.00 | $4,000 | 4.5 |
HAP Senior Plus (PPO) | H2322-011 | HAP Medicare Explore (PPO) | $0.00 | $5,200 | 4.5 |
Humana | H5216-382 | Humana Value Plus H5216-382 (PPO) | $28.20 | $8,850 | 4.5 |
Humana | H5216-380 | HumanaChoice H5216-380 (PPO) | $19.00 | $5,900 | 4.5 |
Humana | H5216-009 | HumanaChoice H5216-009 (PPO) | $70.00 | $5,900 | 4.5 |
Humana | H5216-306 | HumanaChoice H5216-306 (PPO) | $0.00 | $6,550 | 4.5 |
Humana | H5216-287 | HumanaChoice H5216-287 (PPO) | $0.00 | $4,900 | 4.5 |
Humana | H5216-133 | HumanaChoice H5216-133 (PPO) | $17.00 | $6,400 | 4.5 |
Humana | H5216-011 | HumanaChoice H5216-011 (PPO) | $99.00 | $5,900 | 4.5 |
Humana | H5216-384 | HumanaChoice H5216-384 (PPO) | $0.00 | $5,300 | 4.5 |
Humana | H5216-305 | Humana USAA Honor with Rx (PPO) | $0.00 | $6,550 | 4.5 |
Paramount Elite Medicare Plans | H3653-004 | Paramount Elite Enhanced (HMO) | $68.00 | $3,600 | 4.5 |
Paramount Elite Medicare Plans | H3653-015 | Paramount Elite Standard (HMO) | $0.00 | $4,200 | 4.5 |
Paramount Elite Medicare Plans | H3653-022 | Paramount Elite Prime (HMO) | $28.00 | $3,700 | 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 | H7646-002 | Covenant Advantage (HMO-POS) | $0.00 | $3,600 | 4.5 |
PHP Medicare | H7646-005 | Covenant Advantage Plus (HMO-POS) | $25.00 | $3,600 | 4.5 |
PHP Medicare | H7646-003 | PHP 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 | H7646-001 | Sparrow Advantage (HMO-POS) | $0.00 | $3,600 | 4.5 |
Priority Health Medicare | H4875-023 | PriorityMedicare Thrive (PPO) | $0.00 | $5,200 | 4.5 |
Priority Health Medicare | H4875-023 | PriorityMedicare + Kroger (PPO) | $0.00 | $4,900 | 4.5 |
Priority Health Medicare | H4875-020 | PriorityMedicare Edge (PPO) | $0.00 | $5,300 | 4.5 |
Priority Health Medicare | H4875-017 | PriorityMedicare Select (PPO) | $147.00 | $3,500 | 4.5 |
Priority Health Medicare | H4875-018 | PriorityMedicare Ideal (PPO) | $25.00 | $5,800 | 4.5 |
Priority Health Medicare | H4875-016 | PriorityMedicare Merit (PPO) | $74.00 | $4,100 | 4.5 |
Priority Health Medicare | H4875-021 | PriorityMedicare Compass (PPO) | $0.00 | $5,650 | 4.5 |
Priority Health Medicare | H4875-022 | PriorityMedicare Vital (PPO) | $0.00 | $4,900 | 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 |
Interested in joining a plan from one of the top-rated providers? That has a lot to do with your Michigan County. Medicare Advantage plans are regional, and you can't join a plan that isn't in your area.
Best MA Plans in Michigan by County
Choose your Michigan County below to see the best (and the worst) plans.
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Strategies for Choosing the Optimal Medicare Advantage Plan in Michigan
If you’re approaching the age of 65, navigating a special enrollment event, or looking to review your plan options ahead of the Annual Enrollment Period, there are a number of details you need to consider when comparing your options.
1. Examine Your Projected Utilization Needs
Do you believe that you will get the most out of your plan's benefits, including hospital inpatient care? If you do, evaluate plans with higher monthly premiums, low copayments, and low maximum out-of-pocket limits. Conversely, if your health is good and you rarely use services, look for plans with low premiums or a zero-dollar premium. These plans may have high out-of-pocket maximums and high deductibles, so weigh your risk carefully.
2. Evaluate Your Prescription Costs
For many seniors, prescription drugs are what drive up their healthcare costs the most. And, because nearly all Michigan Medicare Advantage plans include Part D benefits for your regular prescriptions, you need to make sure the plan you choose covers your drugs at a price you can afford.
3. Assess Your Need for Supplemental Coverage
Original Medicare does not all health care costs. It covers your major medical and some preventive care services, but it does not cover dental, vision, hearing, or prescriptions. A growing number of Medicare Advantage plans cover many of the essential services that your Part A and Part B benefits do not.
4. Review Your Healthcare Network Considerations
Most Medicare Advantage plans available in Michigan use local healthcare provider networks to deliver care. But not all specialists and primary care doctors accept all plans. It can be exhausting trying to find a plan you want that your doctors will accept. We can help!
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Next Steps
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Frequently Asked Questions
Still have questions? These common questions and answers might help.
What is the biggest disadvantage of Medicare Advantage?
Medicare Advantage plans can have some potential drawbacks. Many plans require members to use their provider network. Costs are also heavily influenced by how you use healthcare services. This makes it difficult to budget for healthcare expenses. Most plans require members to get referrals for specialists or authorization before they can receive healthcare services. Learn more about the pros and cons of Medicare Advantage plans.
How much does Medicare Advantage cost in Michigan?
On average, the cost of a Medicare Advantage plan in Michigan is $28.09 (based on 2024 rates). That's just the cost of the monthly premium to be in the plan. If you have chronic health conditions, the plan's out-of-pocket costs, including copays and deductibles, should also be considered. Additionally, Medicare Advantage plans often include Part D prescription drug benefits that have out-of-pocket costs at the pharmacy.
What do Medicare Advantage plans include?
All Medicare Advantage plans offered in Michigan must cover all of the Original Medicare benefits. But, private Medicare plans are not required to provide healthcare services similarly. For instance, Medicare Part A covers 80% of hospital stays, skilled nursing, home care, hospice care, and home health care. And Part B covers 80% of doctor visits, lab tests, and other outpatient services. However, Medicare Advantage plans are allowed to set their own copays and routinely charge more than 20%. That said, they do have an annual limit, whereas Original Medicare doesn't.
Citations & References
- CMS.gov, 2023 Medicare Part C Landscape Source Files, Last Accessed January 13, 2023
- CMS.gov, "5-STAR PLAN RATINGS", Last Accessed October 22, 2022
- Medicare.gov, "Understanding Medicare Advantage Plans", Last Accessed October 16, 2022
- KFF.org, "Medicare Advantage 2023 Spotlight: First Look", Last Accessed September 5, 2023
- Medicare.gov, "How do Medicare Advantage Plans work?", Last Accessed October 13, 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, Dean Health Plan, Devoted Health, GlobalHealth, Health Care Service Corporation, Cigna Healthcare, Humana, Molina Healthcare, Mutual of Omaha, Premera Blue Cross, Medica Central Health Plan, SCAN Health Plan, Scott and White Health Plan now part of Baylor Scott & White Health, UnitedHealthcare(R), and Wellcare.
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