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Medicare Advantage Plans in Bay County, MI

Looking for Medicare Advantage plans in Bay County? Enter your ZIP below to compare affordable monthly premium plans in your area.

Bay County, MI, is home to 38 Medicare Advantage (Medicare Part C) plans in 2025.

Learn more about Medicare Advantage in Michigan or call to speak with a licensed insurance agent who can help you compare Bay County Medicare Advantage plans and – if you're eligible – help you enroll.

We offer plans from Humana, UnitedHealthcare®, Anthem Blue Cross and Blue Shield*, Aetna, Cigna Healthcare, Wellcare, or Kaiser Permanente.

2025 Medicare Advantage plans in Bay County

2025 Medicare Advantage Plans in Bay
Number of unique plans38
Average monthly premium$11.74
Average (in-network) out-of-pocket maximum$6,918.42
Average Medicare Star Rating*0

While the number of unique plans in any county can change slightly every year, the table above presents a good idea of what you can expect to see in 2025.

The average monthly premium for Medicare Advantage plans in Bay is $11.74 per month in 2025, though there may be plans available where you live that feature different premiums.

Medicare Advantage plans in Bay County have an average Medicare Star Rating of 0 in 2025.* Plans rated four stars or higher are considered top-rated Medicare plans.

Premiums, deductibles and other costs may vary. The numbers reported in the table above are taken from the Centers for Medicare & Medicaid Services (CMS). A licensed insurance agent will be able to help you review and compare costs for specific plans available in Michigan or wherever you may live.

* Every year, the Centers for Medicare & Medicaid Services (CMS) evaluates plans based on a 5-star rating system. 2025 Star Ratings have not yet been released but will be updated on this page as soon as the data is available.

List of Medicare Advantage plans in Bay County

The following table includes cost information and other plan details for Medicare Advantage plans available in Bay in 2025.

Plan NamePlan CodeMonthly PremiumDeductibleOut of Pocket MaxPrescription Drug CoverageMedicare Star Rating
AARP Medicare Advantage from UHC MI-0001 (PPO)H0294-017-000$0.00$495.00$6,700.00Yesna
AARP Medicare Advantage from UHC MI-0002 (PPO)H0294-018-000$32.00$420.00$4,100.00Yesna
AARP Medicare Advantage Patriot No Rx MI-MA01 (PPO)H0294-022-000$0.00N/A$6,700.00Nona
Aetna Medicare Assure Premier (HMO D-SNP)H3192-007-000$0.00$0.00$9,350.00Yesna
Aetna Medicare Assure Premier (PPO D-SNP)H5521-505-000$0.00$0.00$9,350.00Yesna
Aetna Medicare Eagle (PPO)H5521-286-000$0.00N/A$4,900.00Nona
Aetna Medicare Enhanced Select (PPO)H5521-386-000$166.00$590.00$1,500.00Yesna
Aetna Medicare Premier (HMO-POS)H3192-002-000$0.00$590.00$4,500.00Yesna
Aetna Medicare Smart Plus (PPO)H5521-498-000$57.00$590.00$5,000.00Yesna
Aetna Medicare Value (PPO)H5521-288-000$0.00$590.00$4,900.00Yesna
Humana Dual Select H5216-385 (PPO D-SNP)H5216-385-000$0.00$0.00$9,350.00Yesna
Humana Full Access Giveback H5216-306 (PPO)H5216-306-000$0.00$0.00$9,350.00Yesna
Humana Full Access H5216-380 (PPO)H5216-380-000$19.30$200.00$6,750.00Yesna
Humana Full Access H5216-384 (PPO)H5216-384-000$0.00$250.00$5,900.00Yesna
Humana Full Access R0110-014 (Regional PPO)R0110-014-000$65.00$590.00$6,750.00Yesna
Humana USAA Honor Giveback (PPO)H5216-190-000$0.00N/A$6,750.00Nona
Humana USAA Honor Giveback with Rx (PPO)H5216-305-000$0.00$350.00$8,850.00Yesna
Humana Value Plus H5216-382 (PPO)H5216-382-000$20.90$250.00$9,350.00Yesna
HumanaChoice - Diabetes and Heart (PPO C-SNP)H5216-375-000$0.00$200.00$6,750.00Yesna
HumanaChoice R0110-013 (Regional PPO)R0110-013-000$0.00N/A$6,750.00Nona
HumanaChoice SNP-DE H5216-388 (PPO D-SNP)H5216-388-000$0.00$0.00$9,350.00Yesna
Molina Medicare Complete Care (HMO D-SNP)H5926-001-000$0.00$0.00$9,350.00Yesna
Molina Medicare Complete Care Select (HMO D-SNP)H5926-005-000$0.00$0.00$9,350.00Yesna
UHC Complete Care MI-3 (PPO C-SNP)H0294-048-000$26.60$590.00$6,700.00Yesna
UHC Dual Complete MI-S001 (PPO D-SNP)H2001-039-000$0.00$0.00$9,350.00Yesna
UHC Dual Complete MI-S002 (HMO-POS D-SNP)H2247-001-000$0.00$0.00$9,350.00Yesna
UHC Dual Complete MI-S3 (HMO D-SNP)H2247-004-000$0.00$0.00$9,350.00Yesna
UHC Dual Complete MI-V001 (HMO-POS D-SNP)H2247-003-000$0.00$0.00$6,700.00Yesna
Wellcare Assist (HMO-POS)H5475-038-000$16.20$520.00$5,000.00Yesna
Wellcare Dual Access (HMO-POS D-SNP)H5475-001-000$0.00$0.00$9,350.00Yesna
Wellcare Dual Access Open (PPO D-SNP)H2117-002-000$0.00$0.00$9,350.00Yesna
Wellcare Dual Reserve (HMO-POS D-SNP)H5475-039-000$0.00$0.00$4,200.00Yesna
Wellcare Giveback (HMO-POS)H5475-031-000$0.00$420.00$7,550.00Yesna
Wellcare Low Premium (HMO-POS)H5475-024-000$16.00$420.00$4,800.00Yesna
Wellcare Low Premium Open (PPO)H2117-005-000$27.00$420.00$5,000.00Yesna
Wellcare Patriot Giveback Open (PPO)H2117-003-000$0.00N/A$5,000.00Nona
Wellcare Simple (HMO-POS)H5475-026-000$0.00$420.00$4,600.00Yesna
Wellcare Simple Open (PPO)H2117-001-000$0.00$420.00$5,000.00Yesna
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