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More than 2.1 million people in Michigan are signed up for Medicare, making it one of the top 10 states in terms of Medicare beneficiaries.
Medicare is the government health care program for people age 65 and older. Medicare Advantage is a bundled alternative to Medicare that offers all the same benefits and usually some extras, such as cost help with dental and vision coverage.
Medicare Advantage plans offer more benefits than Original Medicare, and they're often cheaper than paying for Medicare and a Medicare Supplement plan. However, they offer less flexibility since you’ll need to get care from within the plan’s network of providers. Weigh your options to determine what plan best suits your needs.
What to know about Medicare in Michigan
With more than 1 in 5 people in Michigan age 65 and older, the state offers a variety of Medicare and Medicare Advantage plans.
The average monthly premium in 2022 for a Medicare Advantage plan in Michigan is $28.74. (This is down from $35.13 in 2021.)
There are 191 Medicare Advantage plans available in Michigan in 2022. (This is up from 167 plans in 2021.)
All Medicare-eligible people in Michigan have access to a $0-premium Medicare Advantage plan.
Medicare Advantage providers in Michigan
Blue Care Network.
HAP Senior Plus.
Molina Healthcare of Michigan.
Paramount Elite Medicare Plans.
Priority Health Medicare.
Reliance Medicare Advantage.
Upper Peninsula Health Plan.
Top-rated Medicare Advantage plans in Michigan
Each year, the Centers for Medicare & Medicaid Services, or CMS, awards every Medicare Advantage plan a star rating on a scale of 1 to 5, with 5 being a top-rated plan. Below are plans that received top marks in Michigan for the 2022 plan year. (Check out more information about Medicare star ratings.)
The plans below are rated 5 stars out of 5 by the CMS:
Blue Care Network: BCN Advantage HMO ConnectedCare, BCN Advantage HMO-POS Classic, BCN Advantage HMO-POS Community Value, BCN Advantage HMO-POS Elements, BCN Advantage HMO-POS Prestige, BCN Advantage HMO-POS Prime Value.
UnitedHealthcare: AARP Medicare Advantage Open, AARP Medicare Advantage Patriot, Erickson Advantage Freedom, Erickson Advantage Liberty with Drugs, Erickson Advantage Liberty without Drugs, Erickson Advantage Signature with Drugs.
The plans below are rated 4.5 stars out of 5 by the CMS:
Aetna: Aetna Medicare Eagle, Aetna Medicare Premier (select counties), Aetna Medicare Premier Plus, Aetna Medicare Value.
Blue Cross Blue Shield of Michigan: Medicare Plus Blue PPO Assure, Medicare Plus Blue PPO Essential, Medicare Plus Blue PPO Signature, Medicare Plus Blue PPO Vitality.
HAP Senior Plus: HAP Choice Medicare - West Michigan, HAP Primary Choice Medicare, HAP Senior Plus, HAP Senior Plus Henry Ford Tiered Access, HAP Senior Plus Medical Only, HAP Senior Plus Option 1, HAP Senior Plus Option 2, HAP Senior Plus Option 3, HAP Senior Plus Option 4.
PHP Medicare: Covenant Advantage, Covenant Advantage Plus, PHP Advantage, PHP Advantage Plus, Sparrow Advantage, Sparrow Advantage Plus, U-M Health + St. Joe’s Advantage, U-M Health + St. Joe’s Advantage Plus.
Priority Health Medicare: PriorityMedicare, PriorityMedicare Key, PriorityMedicare Value.
This list doesn’t include special needs plans, which restrict membership to people with certain diseases or characteristics, such as having a chronic illness or living in a nursing home.
How to choose a Medicare Advantage plan
It’s crucial to ask a few questions while shopping for the right plan for you. Here’s a quick checklist to help you consider your options:
How much are the plan’s costs? Do you understand what the plan’s premium, deductibles, copays and/or coinsurance will be? Can you afford them?
Is your doctor in-network? If you have a preferred doctor (or doctors) or hospital, make sure they participate in the plan’s network.
Are your prescriptions covered? If you’re on medication, understand how the plan covers it. What tier are your prescription drugs on, and are there any coverage rules that apply to them?
Is there dental coverage? Does the plan offer routine coverage for vision, dental and hearing needs?
Are there extras? Does the plan offer any extra perks, such as fitness memberships, transportation benefits or meal delivery?
You can use Medicare’s plan finding tool to compare plans in your area.
Medicare Advantage providers
Get more information below about some of the major Medicare Advantage providers. These insurers offer plans in most states. The plans you can choose from will depend on your ZIP code and county.
If you have additional questions about Medicare, visit Medicare.gov or call 800-MEDICARE (800-633-4227, TTY 877-486-2048).
Looking for more insurance in Michigan? Check out these resources: