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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 an all-in-one alternative to Medicare that offers all the same benefits and usually some extras, such as dental and vision coverage.
Medicare Advantage plans offer more benefits than Original Medicare, and they are 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 about 1 in 6 people in Michigan being over age 65, the state offers a variety of Medicare and Medicare Advantage plans.
The average monthly premium in 2021 for a Medicare Advantage plan in Michigan is $38.
There are 169 Medicare Advantage plans available in Michigan in 2021. (This is up from 156 plans in 2020.)
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.
HAP Senior Plus (PPO).
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 2021 plan year. (Check out more information about Medicare star ratings.)
The plans below are rated 5 stars out of 5 by the CMS:
UnitedHealthcare: 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:
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.
UnitedHealthcare: AARP Medicare Advantage Open.
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 Finder 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).