2023 Medicare Advantage in Michigan

Looking for Michigan Medicare Advantage Plans? Enter your ZIP below to compare affordable or $0 premium plans in your area.

Michigan state

Information about Medicare Advantage Plans in Michigan

Quick links:

There are 2,424 different Michigan Medicare Advantage plans available in 2023.1 Not every plan is available in each county, so it's important to find out which ones are offered where you live.

You can compare the availability, benefits and costs of Medicare Advantage plans in your area of Michigan with the help of a licensed insurance agent.

Read more below to learn more about Medicare in your state.

Average costs of Medicare Advantage in Michigan

The average premium for a Medicare Advantage plan with prescription drug coverage in Michigan in 2023 is $39.83 per month, and you may be able to find plans where you live that feature $0 premiums.And the average deductible for Michigan plans in 2023 is $0 per year.1

The costs of a Medicare Advantage plan may vary depending on where you live and the plan you have. A licensed insurance agent can help you compare Medicare Advantage plan costs in your area.

Compare Michigan Medicare Advantage plan costs

Compare Plans

Or call TTY Users: 711 to speak with a licensed insurance agent. We accept calls 24/7!

Medicare Eligibility & Enrollment

In order to enroll in Medicare Advantage in Michigan, you must be enrolled in Original Medicare (Part A and Part B) and reside in the area in which the plan is sold.

To be eligible for Original Medicare at age 65, you must meet the following requirements:

  • You must be a U.S. citizen or permanent legal resident who has lived in the U.S. for five continuous years.

  • You or your spouse must have worked long enough to be eligible for Social Security or Railroad Retirement benefits.

  • You or your spouse must be government employees or retirees who have not paid into Social Security but have paid Medicare payroll taxes.

You may also be eligible for Medicare benefits under 65 if:

  • You have been receiving Social Security disability benefits or certain Railroad Retirement Board disability benefits for at least 24 months.

  • You have ALS (amyotrophic lateral sclerosis, or Lou Gehrig's disease).

  • You have End-Stage Renal Disease (ESRD), and you or your spouse have paid Social Security taxes for a certain length of time.

If you have ESRD, you may not qualify for most Medicare Advantage plans. You may be able to enroll in a Michigan Medicare Special Needs Plan (SNP) that is specifically designed to help meet your health care needs.

How to sign up for a Medicare Advantage Plan in Michigan

The first time you may be able to enroll in a Michigan Medicare Part C plan is during your Medicare Initial Enrollment Period (IEP).

Medicare Initial Enrollment Period graphic

Your Medicare IEP starts three months before your 65th birthday, continues during the month of your 65th birthday and then continues for another three months after your birthday.

Additional times at which you can enroll in a Medicare Advantage plan include:

Medicare Advantage Open Enrollment Period: January 1 – March 31

If you are already enrolled in a Medicare Advantage plan, you may switch Part C plans or disenroll in your current plan and return to Original Medicare during the Medicare Advantage Open Enrollment Period. This period lasts from January 1 to March 31 each year.

If you disenroll from your Medicare Advantage plan and return to Original Medicare during this period, you'll be able to join a Medicare standalone prescription drug plan (Medicare Part D).

Fall Medicare Open Enrollment Period (AEP): October 15 – December 7

From October 15 to December 7 every year, you may enroll in a Medicare Advantage plan or change from one Medicare Advantage plan to another.

You may also return to Original Medicare and drop your existing Medicare Advantage plan.

During Medicare's fall open enrollment period, formally known as the Annual Enrollment Period or AEP, you may also join, switch or drop a Medicare Part D plan. 

Medicare Special Enrollment Periods (SEP)

You may potentially be granted a Medicare Special Enrollment Period (SEP) at any time throughout the year for qualifying circumstances, such as moving to a new area, losing coverage through no fault of your own or moving out of a nursing home.

There are other potential circumstances that could qualify you for a Medicare SEP.

A licensed insurance agent can help you find out if you qualify for a Medicare Special Enrollment Period.

Find $0 premium Michigan Medicare Advantage plans today

Compare Plans

Or call TTY Users: 711 to speak with a licensed insurance agent. We accept calls 24/7!

Top-rated Medicare Advantage Plans in Michigan 2023

Every year, the Centers for Medicare & Medicaid Services (CMS) publishes Star Ratings using a system of one to five stars for all Medicare Advantage plans in every state.

Plans are graded using a star system and are re-evaluated every year, so a plan’s ratings can change annually.

In order for a Medicare Advantage plan to be considered a top-rated plan, it must have four or more stars out of five stars.

62.2% of all 2023 Medicare Advantage plans with prescription drug coverage in Michigan are rated four stars or higher.2

Medicare Star Ratings
Star Ratings




Above Average




Below Average


Medicare Advantage plans are rated in the following five categories:

  • Preventive care and health maintenance (screenings, tests, vaccines, etc.)
  • Management of chronic conditions
  • Member experiences and ratings of the plan
  • Member complaints, problems receiving services and member retention
  • Customer service

The information for the star ratings is gathered from member surveys, information that is submitted to Medicare and Medicare’s regular monitoring activities.

List of Medicare Advantage Plans Available in Michigan in 2023

To view a list of plans offered in your area within Michigan, use our plan comparison tool.

Find $0 premium Michigan Medicare Advantage plans today

Compare Plans

Or call TTY Users: 711 to speak with a licensed insurance agent. We accept calls 24/7!

Private insurance companies offer Medicare Advantage plans in Michigan

Several insurance companies may offer Medicare Advantage plans in Michigan, though the variety of plans available where you live can vary.

Private insurance companies offer Medicare Advantage plans that may be unique to the plan area they serve.

Call to speak with a licensed insurance agent who can help you compare Mihcigan Medicare Advantage plans that are sold by insurance companies where you live.

You can compare plans from several different carriers and use some of the following information as you shop for Medicare Advantage plans in Michigan:

  • The Medicare Star Ratings can give you an idea of a plan’s overall quality.

  • Agencies like A.M. Best, Moody’s and Standard & Poor’s can provide information about an insurance company’s credit rating and financial standing.

  • Websites such as the Better Business Bureau and Consumer Reports can teach you about a company’s reputation among its customers.

  • You can read through Medicare Advantage plan reviews and testimonials from customers.

MI Medicare Advantage plans by county

Learn more about 2023 Medicare Advantage plans in Michigan by county.

MI Medicare Advantage enrollees by plan type

The major types of Medicare Advantage plans include:

  • HMO
    Health Maintenance Organization (HMO) usually requires patients to use health care providers and pharmacies that are part of the plan’s network (except in the case of emergencies) while also typically requiring a referral from a primary care doctor in order to see a specialist.

  • PPO
    Medicare Advantage beneficiaries in a Preferred Provider Organization (PPO) are able to see providers outside of their plan’s network, often at a higher cost.

    Beneficiaries in this type of plan typically pay less out of pocket if they choose to receive medical services from providers within their plan’s network.

    PPO plans typically do not require patients to acquire a referral before visiting with a specialist.

  • PFFS
    A Private Fee-For-Service (PFFS) plan determines how much it will pay to health care providers and how much the patient will pay when care is received.

    With a PFFS plan, you can typically receive care from any doctor, hospital or health care provider that accepts your plan’s terms. Not all providers will accept these terms, however.

  • SNP
    A Special Needs Plan (SNP) is a type of Medicare Advantage plan limited to people with certain chronic conditions and other specific characteristics.

    Typically, you must receive care from health care providers and hospitals within your SNP network, except for in cases when you need emergency or urgent care and when someone who has End-Stage Renal Disease (ESRD) needs out-of-area kidney dialysis.

Not all of these types of plans may be available in your area. A licensed insurance agent can help you compare the types of 2023 Michigan Medicare Advantage plans that are available where you live.

Local health insurance resources in Michigan

  • The Medicare/Medicaid Assistance Program offers free benefit counseling services to Michigan residents with Medicare or Medicaid insurance. Beneficiaries may contact SHINE at 800-803-7174 for help with questions about their Medicare coverage or costs.    

  • You can also explore more information about the insurance industry in Michigan by visiting the state’s Department of Insurance website.

  • Michigan Prescription Drug Assistance Programs
    The state of Michigan has a number of programs designed to help with the cost of prescription drugs. There are programs for both Medicare beneficiaries and non-Medicare beneficiaries alike that can cover the cost of premiums and cost-sharing or even lower the cost of the drugs themselves.


1 MedicareAdvantage.com's The Best States for Medicare report.

2 Medicare evaluates plans based on a 5-star rating system.