Located in Macomb County, Sterling Heights is one of the largest cities in Michigan. It is the second-largest suburb of Detroit. Medicare beneficiaries make up about 20% of the population in Sterling Heights.

Supplemental Medicare Plans in Sterling Heights, Michigan

We’ll cover the different Medicare options in Sterling Heights, Michigan. To start we’ll talk about the most affordable Medicare Advantage plans. Then we’ll move to the cheapest Medicare Supplement plans in the city.

Following that, we’ll discuss the average cost of the Medicare Part D plans in the area. Finally, we’ll go over what Special Needs Plans are and how to enroll in the Medicare plan of your choosing.

The costs shown in the charts below are based on a 70-year-old man.

Most Affordable Medicare Advantage Plans in Sterling Heights, Michigan

There are just under 60 Michigan Medicare Advantage plan options available in Sterling Heights. Only four other counties in Michigan have more plans available for Medicare beneficiaries. With so many options, it’s clear to see why so many seniors reside there.

There are several plan options to choose from in Macomb county that have a zero-premium.

It’s no surprise to see Humana on the list. They’ve been a leader in the Medicare Advantage market for years. They seem to have plans with little to no premium in every state in the nation.

Hap Senior is a small carrier that specializes in plans in Michigan. They have a 4-star rating on their zero-dollar premium plan. In addition to the zero-premium and 4-Star rating, they also have an affordable maximum-out-of-pocket.

Aetna is always a solid pick. With one of the lowest maximum-out-of-pocket limits, they’re a top pick for seniors in Sterling Heights. Aetna is owned by CVS and is one of the largest health insurers in the United States.

PLAN PREMIUM MOOP Plan Type Star Rating
Humana $0 $5,500 LOCAL PPO 4
Hap Senior $0 $4,500 HMO 4
Aetna $0 $3,900 HMOPOS 3
Wellcare $0 $5,000 LOCAL PPO N/A
BCBS of Michigan $0 $6,000 LOCAL PPO 4

Cheapest Medicare Supplement Plans in Sterling Heights, Michigan

Michigan Medicare Supplements allow you to see any doctor nationwide that accepts Medicare. In addition, they don’t require referrals to see specialists.

Medigap plans pay your portion of costs that are leftover after Medicare pays its portion. Depending on the plan letter you choose, you could have little to nothing to pay when you seek medical care.

Medicare Supplement plans are required to carry the same coverage no matter what carrier you choose. The most popular plans are Plan F, Plan G, and Plan N.

Plan F is considered by many as the best plan option. The reason they say this is because once Medicare pays its portion, Plan F pays the remainder of the cost. It’s the most comprehensive and in most cases, expensive plan.

Plan G has gained quite a bit of traction over the past 10 years or so. The cost differences between Plan G and Plan F are considerable in most states. The coverage is the same with one exception. Plan G doesn’t cover the Medicare Part B deductible.

Plan N is the top pick for healthy and savvy seniors. It has a lower premium, and similar coverage to plan G. The main difference is a $20 copay for the doctor and a $50 copay for emergency room visits.

LETTER PLAN LOWEST PREMIUM HIGHEST PREMIUM
PLAN A $85.43 $631.93
PLAN B $146.74 $516.04
PLAN C $175.71 $574.77
PLAN D $154.00 $604.17
PLAN F $173.59 $567.85
PLAN HDF $47.00 $113.85
PLAN G $140.87 $485.95
PLAN HDG $46.46 $105.73
PLAN K $55.28 $161.00
PLAN L $98.00 $377.66
PLAN M $199.69 $428.92
PLAN N $111.79 $390.22

Average Medicare Part D in Sterling Heights, Michigan

Michigan Medicare’s fourth part is Part D. Part D is one of the ways you can cover your prescriptions. Beneficiaries that enroll in a Medigap plan must enroll in a Prescription Drug Plan to receive drug coverage. Part D plans have four coverage phases for your prescriptions. In many cases, Medicare beneficiaries won’t hit all four stages.

Aetna’s drug plans are under their SilverScript branded company. SilverScript has been one of the top drug plans nearly every year they have been offering them. Coming in at Under $10 you’ll not find a less expensive premium for a Prescription Drug Plan.

Wellcare is number two when it comes to the lowest premium. Wellcare is one of the largest Medicare Plan providers in the country. They are quickly taking the market by storm, and have quickly become one of the top carriers for Medicare Advantage, and Medicare Part D plans.

Clear Spring is a newer Part D plan option. They are still new but rapidly improving. In many cases, it’s hard to find a better plan to cover certain prescriptions.

PLAN PREMIUM DEDUCTIBLE STAR RATING
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

Medicare Special Needs Plans

Special Needs Plans, sometimes referred to as SNPs are plans directed toward people that have special needs. They have options for low-income beneficiaries, as well as those with chronic health conditions. While these plans are specifically designed to help people in these situations, they aren’t available in all areas.

UnitedHealthcare is a well-known and well-respected company that offers Medicare Plan Options. They seem to have many options available to help low-income beneficiaries and those with chronic health issues. AARP partners with UnitedHealthcare in the Medicare market.

Reliance Health care is a smaller carrier that offers plans in Michigan. As you can see below they offer a PPO option for Medicare beneficiaries that also have Medicare. This will increase the network of providers for beneficiaries that fall in that category.

Aetna rounds out the top three. They are a solid company in the Medicare space. As part of the CVS family, it’s no surprise that they have a plethora of plan options and additional benefits.

PLAN PREMIUM MOOP Plan Type Eligibility
Unitedhealthcare $0 $7,550 HMO Dual
Reliance $0 $7,550 LOCAL PPO Dual
Aetna $0 $7,550 HMO Dual
Priority Health $0 $7,550 HMO Dual
Hap Senior $0 $6,700 HMO Dual

FAQs

How many Medicare Advantage Plans are available in Sterling Heights, Michigan?

Sterling Heights, Michigan is in Macomb county. There are 58 Medicare Advantage plans available in the county.

When can I change my Medicare Advantage plan in Sterling Heights, Michigan?

If you are on a Medicare Advantage plan you can only change during a valid enrollment period. The enrollment periods that allow you to change your Part C plan include the Annual Enrollment Period, Medicare Advantage Open Enrollment Period, and Special Enrolment Periods.

What’s the best Medigap Plan in Sterling Heights, Michigan?

In Sterling Heights, Michigan, Plan F is the most popular Medicare Supplement plan. Plan F is discontinued for new Medicare members. Most beneficiaries that are starting Medicare now are choosing Plan G.

How to Sign Up for Supplemental Medicare in Sterling Heights, Michigan

Signing up for a Michigan Medicare plan can be confusing for many. You’re not alone. Fortunately, we can help make it simple. Our Licensed Insurance Brokers can assist in educating you about your options. Helping you check your prescriptions and doctors.

We can even help you enroll once you decide on the right plan for you. Just give us a call. If you prefer, you can fill out our online request form and we’ll reach out to you.

Picture of the author
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.