In Grand Rapids, Michigan, over 200,000 people are enrolled in Medicare. 57.98% of those beneficiaries are taking advantage of the Medicare Part C program. That’s 128,731 Medicare members receiving their health care through a Medicare Advantage plan.

Medicare plans in Grand Rapids, Michigan

We will discuss the information below about the different Michigan Medicare plans available to residents of Grand Rapids. The charts below are based on a 65-year-old male.

First, we’ll cover the cheapest Medicare Advantage plans. After that, we’ll discuss the average cost of Medicare Supplements. Then we’ll talk about the most affordable Part D Prescription plans. Finally, we’ll wrap up with Special Needs Plans and how to enroll in a Medicare plan.

Medicare Advantage plans

Kent County contains 39 Medicare Advantage Michigan plan options. 53.87 of Medicare Advantage enrollees are female, with 46.13% male. Grand Rapids has the highest percentage of Michigan Medicare beneficiaries enrolled in Medicare Part C.

There are several zero-premium Medicare Advantage options available.

Wellcare has the lowest maximum out-of-pocket cost shown. They are one of the top Medicare Advantage providers in the nation.

Priority Health is a familiar name in Michigan. They boast a 4-Star rating on their zero-premium HMO.

BCBS of MI rounds out the top three. The Blue Cross Blue Shield name is among the most recognizable in the United States. With a 5-star rating, no one may be better in Grand Rapids.

The average cost of Medicare Advantage plans in Grand Rapids, Michigan

PLAN PREMIUM MOOP Plan Type Star Rating
Wellcare $0 $3,450 HMO 3
Priority Health $0 $5,000 HMOPOS 4
Blue Care $0 $4,500 HMOPOS 5
Humana $0 $5,500 LOCAL PPO 4
Aetna $0 $6,725 LOCAL PPO 4

Medicare Supplement plans

Medicare Supplement plans in Michigan are also called Medigap Plans. They work by filling in the gaps left by Medicare Parts A and B. With a Medicare Supplement, there are no networks or referrals needed. They don’t include drug coverage, so you’ll need a Prescription Drug plan.

When beneficiaries consider their Medicare Supplement options, most lean towards plans F, G, and N.

Plan N is one of the better coverage options with an affordable premium. You’ll be responsible for the Medicare Part B deductible and copays when you visit the doctor or emergency room.

The next step is Plan G. Plan G covers all of your costs left over by Medicare with one exception. You must satisfy the Part B deductible before the plan kicks in to cover the remainder of your Medicare Part B cost-share.

The top coverage plan is Plan F. It’s considered the full coverage plan. Simply put, if Medicare covers it, Plan F pays the rest.

Plans F and G have high deductible options for seniors who are savvier about their premiums. In addition, you can only enroll in Plan F if you were eligible for Medicare before 2020.

The average cost of Medicare Supplement plans in Grand Rapids, Michigan

PLAN A $77.60 $397.90
PLAN B $133.42 $331.00
PLAN C $144.57 $395.87
PLAN D $120.33 $378.25
PLAN F $128.63 $397.00
PLAN HDF $31.00 $93.62
PLAN G $115.75 $379.71
PLAN HDG $31.00 $86.95
PLAN K $50.15 $126.25
PLAN L $72.67 $243.16
PLAN M $127.76 $266.85
PLAN N $85.64 $377.48

Medicare Part D prescription drug plans

Medicare Part D in Michigan is a way to get your prescription coverage from Medicare. If you choose not to enroll when you’re first eligible, you may be penalized. Prescription Drug Plans can vary in benefits. Despite being administered by private insurance companies, they must follow the standard four-phase Medicare model.

SilverScript, and Aetna company, has been the top drug plan for many years. They specialize in drug coverage and currently have the lowest premium.

Wellcare comes in number two as far as monthly premium goes. They are a large company and offer many Medicare options. They specialize in Medicare Parts C and D.

Clear Spring comes in third. Their plan comes under $20 a month and greatly benefits many prescriptions. They are fairly new and are working on improving their star ratings.

The average cost of Medicare Part D plans in Grand Rapids, Michigan

Aetna $7.50 $480 3
Wellcare $12.70 $480 3
Clear Spring $17.00 $480 2
Elixir $20.30 $480 3
Humana $22.70 $480 4

Special Needs plans

Medicare Part C has plan options for beneficiaries with chronic conditions, low income, and special needs. These plans can coordinate with Medicaid.

They can also lower costs for certain drugs and procedures for people with chronic conditions.

Wellcare has one of the best Dual Special Needs plans in the nation. Their plans boost additional benefits to help low-income members of Medicare.

Mclaren is a small insurance company that offers Medicare Part C plans in Michigan. They cater to residents in the state.

UnitedHealthcare is a giant in the Medicare Advantage market. Partnering with AARP, they are well respected and strive to care for their beneficiaries.

The average cost of Medicare Special Needs plans in Grand Rapids, Michigan

PLAN PREMIUM MOOP Plan Type Eligibility
Wellcare $0 $3,450 LOCAL PPO Dual
Mclaren $0 $7,550 HMO Dual
UnitedHealthcare $0 $7,550 HMO Dual
Align Senior $0 $4,700 HMO Chronic or Disabling
Humana $0 $3,450 LOCAL PPO Dual

How to sign up for Medicare plans in Grand Rapids, Michigan

Whether you’re looking for a Medicare Advantage, Drug Plan, or Medigap plan, we can help. We take the confusion out by educating you on Medicare and your options.

Review your needs and wants. Then we help you enroll in the plan of your choice. Give us a call, or fill out our online request form. Our agents specialize in Medicare and are standing by to help you.

Written By:
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Lindsay Malzone, Lindsay Malzone is the Medicare editor for She's been contributing to many well-known publications 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.
Reviewed By:
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Rodolfo Marrero, Rodolfo Marrero is one of the co-founders at He has been helping consumers find the right coverage since the site was founded in 2013. Rodolfo is a licensed insurance agent that works hand-in-hand with the team to ensure the accuracy of the content.