Michigan Medicare Advantage plans are an excellent way to receive your Medicare benefits. These all-in-one plans are also referred to as Medicare Part C. They must cover everything that Original Medicare covers.

The advantage to these plans is that in addition to covering you as well as Original Medicare, they often include the Part D drug coverage as well as additional benefits not offered by medicare.

In the state of Michigan 890,474 Medicare members elect to enroll in a Medicare Advantage plan. That equates to 44.78% of all Michiganders choosing Medicare Advantage programs.

How Medicare Advantage Plans Work in Michigan

Medicare Advantage plans typically have low to no premiums and fixed manageable co-pays for most services. They’re offered through insurance companies such as Humana or Aetna and work similarly to group insurance coverage.

When enrolling in a Medicare Advantage plan, you’re essentially putting your Original Medicare in a hold status and assigning the Medicare Advantage company the rights to administer your healthcare.

The majority of Medicare Part C plans include drug coverage and benefits not covered by Medicare such as dental, vision, and hearing.

The benefits of these plans can be vastly different from one plan to another. It’s wise to speak to a licensed insurance agent that can go over the differences and help you understand which one fits your needs best.

There are 25 counties throughout the United States that offer more than 65 Medicare Advantage plans in their service area. Oakland, Michigan beneficiaries have access to 68 different Medicare Part C plans to choose from.

Medicare Advantage Plans Offers in Michigan

Unlike Medicare Supplement plans, Medicare Part C plans are not standardized by the federal government. This means that all plans have different benefits and cost structures that make them a little more difficult to decipher.

Below we’ll go over Michigan Medicare Advantage plans that have a zero-dollar premium, some with no deductibles for prescriptions, a few that boast a 5-Star rating, and a couple that will reduce the amount you pay for Medicare part B.

Medicare Advantage Plans with a Zero Dollar Premium in Michigan

Just because a plan has a zero-dollar premium, you shouldn’t expect all the other benefits to be zero. In many cases, you’ll have a give-and-take effect.

Blue Cross Blue Shield of MI plans are strong in the area with seven Medicare Advantage plan options to choose from. They have a few plans with a zero-dollar premium, as well as several with 5-Star ratings. Blue Cross has been a force in the Advantage market for many years.

With 11 Advantage options, Centene, the parent company of Wellcare has really become a staple in the market. Many of their plans have low maximum out-of-pocket costs and a variety of options to choose from. Wellcare is quickly an up-and-coming star in the Medicare Advantage space.

Humana is one of the largest Medicare Advantage companies in the United States. In Detriot, Michigan, Humana offers six Medicare Advantage plans. With excellent customer service and a good mix of HMO and PPO options, you can never go wrong with Humana.

PLAN PREMIUM MOOP PLAN TYPE STAR RATINGS
Humana $0 $4,900 HMO 3.5
Wellcare $0 $3,450 HMO 3.5
UnitedHealthcare $0 $4,900 PPO 5
Aetna $0 $4,950 PPO 4.5
BCBS of MI $0 $4,500 HMO-POS 5

Medicare Advantage Plans with a Zero Dollar Drug Deductible in Michigan

Many Advantage plans include drug coverage. Medicare allows plans that contain drug coverage to set a deductible for the drug portion of coverage. However, that doesn’t mean that you will definitely have to pay a deductible to get your prescriptions.

Some carriers have a zero-dollar deductible, and some only apply the deductible for brand-name drugs. The best practice is to check your drugs with the plan formulary to ensure you get the plan that fits your needs best.

PLAN PREMIUM MOOP PLAN TYPE STAR RATINGS
Priority Health $0 $5,300 PPO 4
Hap Senior $0 $4,300 HMO 4.5
Reliance Medicare $0 $5,900 HMO N/A
UnitedHealthcare $0 $4,550 PPO 5
Zing Choice $0 $4,200 HMO N/A

Medicare Advantage Plans with a 5-Star Rating in Michigan

There are some carriers that have a 5-Star rating. Plans that are good enough to be awarded this rating have special enrollment rules. You’re allowed to enroll in a plan with a 5-Star rating outside of typical enrollment periods.

There are two companies in Detriot that offer 5-Star rated plans. Both UnitedHealthcare and BCBS of MI have plan options with 5-Star ratings. BCBS of MI offers five choices, and AARP UnitedHealthcare offers two. These two companies are powerhouses when it comes to Advantage plans and their clients speak very highly of both.

PLAN PREMIUM MOOP PLAN TYPE STAR RATINGS
UnitedHealthcare $0 $4,900 PPO 5
Blue Care $0 $4,500 HMO-POS 5

Medicare Advantage Plans with a Part B Reduction in Michigan

One of the most unique benefits afforded to Medicare Advantage plans is the Part B reduction or give-back plan.

Many people explain these plans incorrectly and Medicare beneficiaries think that they will receive money back from social security.

In reality, it simply lowers the amount that social security deducts from your social security check to pay for your Medicare part B.

Give-back plans are not available in every area, and you should check with a licensed insurance agent to see if there is one in your area.

In the Detriot area, there are several companies that offer the Part B reduction plans as an option for Michigan residents.

Some of the plans listed below are Medicare Advantage only. This means they do not include drug coverage.

It’s recommended that unless you have creditable drug coverage from another source such as the VA, you should enroll in a Medicare Advantage that includes drug coverage.

PLAN PREMIUM MOOP PART B REDUCTION STAR RATINGS
Ascension $0 $2,900 $100.00 N/A
Wellcare $0 $3,450 $99.00 3.5
Priority Health $0 $4,700 $99.00 3.5
Hap Senior $0 $4,000 $50.00 4.5
Aetna $0 $5,500 $35.00 4.5

Ancillary/DVH

As mentioned above one of the advantages of a Medicare Part C plan is the additional benefits that are not covered by Medicare. Many Medicare Advantage plans include coverage for dental, vision, and hearing coverage.

In addition, many have gym memberships included, including over-the-counter allowances, and transportation. The list goes on when it comes to Advantage plans nowadays, but remember not every plan extra is offered in every plan or all areas.

Medicare and Medicare Supplement plans don’t offer these plan extras and you will likely have to buy additional coverage unless you elect a Part C plan. If there is a particular benefit you want, check with an agent to see what plans offer these services in your area.

Michigan Cities with Estimated Premiums for Medicare Supplement Coverage

Below, the following charts were created to illustrate premiums for the ensuing cities:

FAQs

How much does a Medicare Advantage Plan cost in Michigan?

In every Michigan county, there is a zero-premium Medicare Advantage plan available. The average cost of an Advantage plan in 2022 is about $30

Is Medicare Advantage the same as Blue Advantage in Michigan?

Blue Advantage is a Medicare Advantage plan in Michigan, but there are many other options to choose from. There are a plethora of Medicare Advantage companies to select from in Michigan.

How much can I get back on my Medicare part B in Michigan?

Medicare give-back amounts vary depending on the plan and your location. In Detriot Michigan, the giveback on a Medicare Advantage plan can range from $30 to $100 a month.

What is the best Michigan Medicare Advantage plan?

Best is a relative word. The best plan for you may be different from the best plan for your neighbor. To ensure you get the best plan for you, it’s recommended that you speak to an insurance broker that can go over your needs and wants. Then they can recommend the best plan for your situation.

How to Get Help Enrolling in a Michigan Medicare Advantage Plan

When choosing a Medicare Advantage plan in Michigan there are many options. Make sure you do what’s best for your needs.

Our agents are standing by to help you review the options based on your situation. We’ll educate you on the plan options that fit your needs and even help you through the enrollment process.

So gather up your prescriptions, your red, white, and blue card, and give us a call. If now isn’t the best time, simply fill out our online request form and we’ll have a licensed agent reach out to help you.

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by Lindsay Malzone, Lindsay Malzone is the Medicare expert for Medigap.com. She's been contributing to many well-known publications as an industry expert since 2017. Her passion is educating Medicare beneficiaries on all their supplemental Medicare options so they can make an informed decision on their healthcare coverage.