Best Michigan Medicare Advantage Plans

MoneyGeek used the Centers for Medicare & Medicaid Services (CMS) five-star quality rating system to decide which high-rated plans are widely available in Michigan. We analyzed the best plans based on plan type, if you need drug coverage, and if you want to limit costs with a low annual maximum-out-of-pocket (MOOP).

It's best to shop around for a Medicare Advantage plan in Michigan that suits you best; MoneyGeek only provides general recommendations. Plus, comparing plans helps you find a plan that includes in-network hospitals and providers near you.

If you're not looking for a Medicare Advantage plan but want to cover out-of-pocket costs that your base Medicare plan doesn't cover, MoneyGeek also ranked the best Medicare Supplement Plans in Michigan.

The best Medicare Advantage plan in Michigan for you depends on your healthcare needs. MoneyGeek found that in Michigan, Aetna Medicare Value, offered by Aetna Medicare, is the best plan that includes drug coverage, at least six core benefits and a high star rating from the CMS.

Aetna Medicare Value is a preferred provider organization (PPO) plan that provides more flexibility compared to other types and has several benefits. For example, you have a broader network, which means you have more choices of treatment centers, doctors and hospitals. Plus, a referral is not needed to see a specialist. However, a PPO comes with a higher premium.

The kind of healthcare plan you need determines which HMO Medicare Advantage plan in Michigan best suits you. For people in Michigan looking for an HMO plan with drug coverage, the six core benefits and a high rating from the CMS, MoneyGeek finds BCN Advantage HMO-POS Prime Value by Blue Care Network to be the best choice.

HMOs are generally more affordable than PPOs. It is the most common type of healthcare plan, but you need to be within your network to make sure you get coverage, except in an emergency. In addition, you need a referral to see a specialist.

If you don’t require Part D prescription drug coverage, you have more Medicare Advantage plan options in Michigan.

Whether or not you need drug coverage in Michigan but do want six core benefits and a high CMS rating plan, MoneyGeek found that the best Medicare Advantage plan is Blue Care Network’s BCN Advantage HMO-POS Prime Value.

In Michigan, many Medicare Advantage plans have low or no premiums. However, you could pay thousands of dollars out-of-pocket in a given year. To avoid this, MoneyGeek recommends finding a plan with a low in-network maximum-out-of-pocket (MOOP) limit.

Our analysis shows that Aetna Medicare Value, offered by Aetna Medicare, is the best option for Michigan Medicare Advantage shoppers who want a low in-network MOOP, drug coverage, the six core benefits and a high star rating from the CMS.

In Michigan, 17 healthcare organizations offer Medicare Advantage plans. MoneyGeek researched various statistics to help you understand whether Medicare Advantage plan components in Michigan are rare or common.

MoneyGeek collected data from the Centers for Medicare & Medicaid Services 2022 MA Landscape Source Files released in October 2021. Plans in Michigan were filtered down to those that offer drug coverage (unless otherwise noted), offer six of the most common Medicare Advantage coverage benefits and are available to at least 50% of the population of Michigan based on county availability.