Best Medicare Advantage Plans in Michigan
Explore Medicare Advantage providers, top-rate plan types, plan prices, and enrollment periods of Michigan Advantage Plans.
Medicare Advantage in Michigan, also known as Part C or MAPD plans, is a plan for individuals who need a prescription drug plan in addition to their hospital and medical insurance.
Medicare Advantage is made up of the following:
Part A and Part B make up Original Medicare, whereas Medicare Part C is made up of A, B, and D and is the preferred all in one plan when compared to Original Medicare.
A Medicare Advantage plan has additional coverage and benefits that are provided by private health insurance companies. Benefits include vision and hearing, dental coverage, gym expenses (silversneakers), delivery of meals, appointment transportation to the doctor, and an over the counter prescription allowance.
Medicare beneficiaries will have a network in their service area to choose their primary care physician, hospital, and any other facilities from.
To note, If you should have a disability or End-stage Renal Disease, you can enroll for a Michigan Medicare Advantage plan; even if you are under 65.
Top rated Medicare Advantage providers in Michigan
Blue Care Network.
HAP Senior Plus.
Priority Health Medicare.
Popular Medicare Advantage plan types in Michigan
The Best for Network Freedom: Medicare Advantage PPO Plan
PPO Plans have larger networks and no referrals.
Monthly premiums: $0 to $100 per month
The Best for Lowest Out-of-Pocket: Medicare Advantage HMO Plan
HMO Plans have an HMO referral network. Because referrals are needed, monthly costs generally have $0 premiums.
Monthly premiums: $0
The Best for Low Income or Health Conditions: Medicare Advantage D-SNP
Dual eligible SNP is for those that have the following:
– You have Medicare and Medicaid
– You have a severe, disabling, or chronic condition
– You are entering a facility that qualifies you for SNP coverage, or you need nursing home care
This plan works with an individual’s Medicaid plan and helps with expenses related to Part B premium, copays, coinsurance, deductibles, and monthly premiums.
Michigan Enrollment Facts:
1. Number of lives enrollment in Medicare Advantage in New York: 660,480
2. Number enrolled by plan, specifically the three plans below:
Local HMO: 271,496
Local PPO: 456,215
Regional PPO: 16,507
3. Percentage of Medicare beneficiaries enrolled in Medicare advantage in Michigan: 51%
4. Number of lives enrollment in Medicare Advantage nationwide: 24.1 million
5. Percentage of Medicare beneficiaries enrolled in Medicare advantage Nationwide: 39%
How much does Medicare Advantage in Michigan cost?
HMO plans and PPO plans in most states cost $0 per month. However, it’s more common to see PPOs with premiums. In Michigan, plans vary from one area to another.
Average Medicare Advantage plan with a prescription drug plan: $57 a month
Part D drug deductible: $68
|Plan Type||Premium Range|
|PPO Plan||$0.00 to $57.00|
When can you enroll in a Michigan Medicare Advantage plan?
Enrollment can only occur at certain points during the year.
Initial Enrollment Period
– Eligibility occurs at 65
– You can join Medicare Part A and Part B
– Enrollment occurs within three months of turning 65
Open Enrollment Period/Annual Election Period
Open Enrollment Period: October 15th until December 7th
During this time, you can:
– Join a plan
– Drop a plan
– Make changes to a plan
Coverage for Part C starts: January 1rst
Note: Plan must me completed by December 7th
Medicare Advantage Open Enrollment Period
Medicare Advantage Open Enrollment Period: January 1st through March 31st
During this enrollment period you can:
– Switch plans
– Join Original Medicare
– Join a Medicare Supplement plan
Special Enrollment Periods: Special Circumstances
Special circumstances could include address changes due to a move, your plan with Medicare changes, you lose your current coverage, or you are covered through your employer(VA/Tricare/PACE).
Other special considerations may include:
– Eligibility for both Medicare and Medicaid Extra Help
– Dropping a Medigap plan
– State Pharmaceutical Assistance Program enrollment
– Special needs or a disability
5-star Special Enrollment Period
5-star Special Enrollment Period: December 8th until November 30th
– This five star rating enrollment can only be used once
– Plans are rated with satisfaction surveys that compare plans based on quality and performance
– The 5-star rating is the highest given
Special Enrollment Periods if you get “Extra Help”
This enrollment applies if you are:
– Eligible for Extra Help
– Eligible for Medicare or Medicaid
– Enrollment into the State Pharmaceutical Assistance Program
Michigan State Links
Michigan Medicare Resources
These resources can help you when you first sign up for Medicare. You may find that you qualify for extra help, too, if you’re a low-income individual:
Ready to learn more?
We help educate Medicare beneficiaries on their Medicare Advantage options and help them go through the process of reviewing and comparing plans. We work with most of the nation’s top-rated Medicare Advantage carriers. Give us a call today, or request a quote online to learn more about plan options.