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

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39 percent of Medicare beneficiaries in Michigan were enrolled in a Medicare Advantage (Medicare Part C) plan in 2019.1

There are 1,998 different Michigan Medicare Advantage plans in 2019.1 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.

You can also find other types of Medicare Health insurance plans:

Average costs of Medicare Advantage in Michigan

The average Medicare Advantage plan premium in Michigan in 2019 was $52 per month.

There were 448 different plans across Michigan that offered $0 monthly premiums in 2019, and one out of five beneficiaries in the state were in enrolled in a $0 premium plan.

  • Average monthly premium cost in 2019 (weighted): $52
  • Average in-network out-of-pocket spending limit: $4,317
  • Average deductible in 2019 (weighted): $51.901

The costs of a Medicare Advantage plan may vary depending on where you live and the plan you have.

Find the average 2019 Michigan Medicare Advantage monthly premiums listed by county below in this guide.

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 24/7 to speak with a licensed insurance agent.

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 graphic

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).

Medicare AEP graphic

Medicare Annual 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 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 a Michigan Medicare Advantage plan

Compare Plans

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

Top-rated Medicare Advantage Plans in Michigan 2019

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.2

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.

There are 929 top-rated 2019 Medicare Advantage plans in Michigan that are rated four stars or higher.

Medicare Star Ratings
Star Ratings

★★★★★

Excellent

★★★★

Above Average

★★★

Average

★★

Below Average

Poor

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 2019

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

Find a Michigan Medicare Advantage plan

Compare Plans

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

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

The chart below illustrates some of the costs and enrollment information for 2019 Michigan Medicare Advantage plans by county.1

  • Oakland County had 20 plans in 2019 that were top-rated Medicare Advantage plans (four stars or higher), which was the most out of any county in the state.

  • Oakland County, Macomb County and Wayne County each offered 14 $0 premium plans in 2019.
2019 MI Medicare Advantage by County
County Total of County MA Enrollees % of Medicare Beneficiaries Enrolled in MA Number of Plans Available Number of $0 Premium Plans Available % Enrolled in a $0 Premium Plan
Alcona 1549 33% 19 4 73.7%
Alger 845 29% 11 3 62.7%
Allegan 12577 51% 25 5 3.0%
Alpena 2192 24% 19 4 59.7%
Antrim 2679 34% 21 4 38.6%
Arenac 1790 35% 33 7 54.6%
Baraga 552 26% 11 3 27.3%
Barry 6674 47% 23 5 4.8%
Bay 10313 38% 28 6 55.0%
Benzie 2041 35% 19 4 44.3%
Berrien 12679 34% 22 4 54.2%
Branch 2919 28% 20 4 64.5%
Calhoun 9474 29% 25 5 55.3%
Cass 4324 32% 18 3 54.5%
Charlevoix 2454 31% 19 4 50.9%
Cheboygan 2708 31% 19 4 44.7%
Chippewa 2594 30% 11 3 64.1%
Clare 3392 34% 32 7 70.3%
Clinton 5841 37% 29 6 65.9%
Crawford 1323 31% 21 4 51.8%
Delta 3528 32% 13 3 67.2%
Dickinson 2183 30% 13 3 90.1%
Eaton 8921 35% 31 6 63.0%
Emmet 2857 30% 19 4 31.6%
Genesee 45036 48% 40 11 45.7%
Gladwin 3290 37% 32 7 71.1%
Gogebic 1425 30% 11 3 56.5%
Grand Traverse 8861 38% 22 5 44.9%
Gratiot 2978 32% 29 6 71.8%
Hillsdale 3381 31% 31 6 60.9%
Houghton 2814 35% 13 3 55.1%
Huron 2665 27% 28 6 83.2%
Ingham 15074 29% 31 6 68.8%
Ionia 4803 39% 28 6 18.4%
Iosco 3179 33% 31 7 66.7%
Iron 1145 28% 11 3 83.3%
Isabella 3482 30% 29 6 53.1%
Jackson 10606 29% 31 7 47.6%
Kalamazoo 22328 44% 29 7 20.9%
Kalkaska 1580 32% 21 4 45.4%
Kent 60002 53% 29 7 3.1%
Keweenaw 248 29% 13 3 23.1%
Lake 1321 31% 19 4 47.5%
Lapeer 8463 41% 28 6 51.7%
Leelanau 3001 39% 21 4 37.2%
Lenawee 8790 37% 35 7 28.9%
Livingston 15267 38% 35 9 35.5%
Luce 495 29% 17 4 23.5%
Mackinac 1196 32% 15 4 26.7%
Macomb 72754 40% 45 14 28.4%
Manistee 2549 32% 19 4 44.9%
Marquette 4952 31% 13 3 53.1%
Mason 3042 35% 19 4 17.9%
Mecosta 3877 38% 19 4 40.1%
Menominee 2349 35% 13 3 72.2%
Midland 7444 39% 32 7 54.8%
Missaukee 1269 32% 19 4 40.4%
Monroe 13247 39% 37 9 26.7%
Montcalm 5877 38% 31 6 16.9%
Montmorency 1366 33% 19 4 56.3%
Muskegon 19552 49% 29 7 13.9%
Newaygo 6246 49% 19 4 4.9%
Oakland 93152 37% 48 14 28.5%
Oceana 2758 38% 25 5 20.7%
Ogemaw 2187 30% 19 4 73.6%
Ontonagon 691 27% 13 3 56.5%
Osceola 2215 33% 21 4 24.4%
Oscoda 946 31% 19 4 38.5%
Otsego 2087 30% 19 4 39.3%
Ottawa 32025 60% 29 7 2.0%
Presque Isle 1628 32% 19 4 60.2%
Roscommon 3522 34% 19 4 57.2%
Saginaw 20829 44% 41 11 46.9%
Sanilac 3410 30% 28 6 71.7%
Schoolcraft 790 30% 17 4 55.2%
Shiawassee 6488 39% 30 6 58.9%
St. Clair 14732 38% 34 8 42.8%
St. Joseph 4417 32% 22 4 54.3%
Tuscola 5265 37% 28 6 71.2%
Van Buren 6984 38% 22 4 36.9%
Washtenaw 20337 33% 35 9 37.0%
Wayne 147311 43% 45 14 23.8%
Wexford 2766 31% 21 4 35.7%

MI Medicare Advantage enrollees by plan type

The chart below illustrates the percentage of 2019 Michigan Medicare Advantage enrollees that are enrolled in each primary type of Medicare Advantage plan.1

Plan type Percentage of Michigan enrollees (2019)
HMO 96%
Local PPO 3.9%
Regional PPO <1%
PPFS <1%

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 2019 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.