Find 2019 Medicare Plans in Michigan - MI Medicare Insurance Overview

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Michigan Medicare Insurance

Medicare in Michigan

Medicare offers healthcare coverage to Michigan residents age 65 or older, or to those Michigan residents that suffer from certain medical disabilities. In 2016, 1,848,000 people are enrolled in Medicare in Michigan, accounting for 18.8% of the population in Michigan. About $10,925 was spent per Medicare enrollee in Michigan in 2009, approximately 5.4% higher than the national average of $10,365. From 2015 to 2030 the senior population in Michigan is projected to increase by an estimated 38.08% according to calculations based off of the 2000 Census. Therefore the number of Medicare enrollees in Michigan is also expected to increase.

Local Medicare Resources

Medicare beneficiaries and their caregivers who reside in Michigan can receive free, personal, and objective health insurance counseling services from MMAP (Michigan Medicare/Medicaid Assistance Program), a program sponsored by the national State Health Insurance Assistance Program (SHIP). MMAP also oversees Michigan’s Senior Medicare Patrol Program (SMP) which aims to empower and educate consumers on how to spot, avoid, and report Medicare waste, fraud and/or abuse. In 2011 Michigan’s SMP received national awards from the U.S. Administration on Aging and the Centers for Medicare & Medicaid Services (CMS) for having the largest volunteer workforce and program capacity expansion in a state which has areas of high Medicare fraud1.

Types of Medicare Coverage

When you are eligible for Medicare you may sign up for Original Medicare (Part A & Part B), which cover hospital services and medical services, respectively, or you may enroll in a Medicare Advantage Plan (Medicare Part C). If you sign up for Original Medicare you also have the option to purchase a separate or stand alone prescription drug plan (Part D). Medicare Advantage and Medicare Part D insurance plans are sold by private insurance companies that have a contract with Medicare. Original Medicare offers its beneficiaries flexibility in choosing their providers and you are not limited to a network. However, there is no limit on out-of-pocket medical expenses and you must always pay 20% coinsurance for medical service costs. For most Medicare beneficiaries, Part A is already paid through paycheck deductions during their working years (or their spouse's) but most Medicare beneficiaries pay premiums for Part B unless they are eligible for financial assistance. Many Medicare beneficiaries will elect to enroll in a Medicare Advantage plan that includes prescription drug coverage (MAPD) or purchase a stand alone prescription drug plan to go with their Original Medicare coverage. Medicare Advantage plans require you to stay in network but some plans will also cover out-of-network care at a higher cost. Most Medicare Advantage plans also include additional health benefits such as vision, dental, or hearing coverage and you have the option to purchase a Medicare Advantage plan with prescription drug coverage (MAPD) in almost all states.

Michigan 2017 Medicare Advantage Plans at a glance

Using CMS data HealthPocket found that:

  • The average total monthly premium for a 2017 Medicare Advantage plan in Michigan is $96.62, 54.64% greater than the national average of $62.48. 14.97% of 2017 Medicare Part C insurance plans in Michigan have a $0 monthly premium.
  • The maximum possible annual drug deductible in any 2017 Medicare Advantage plan with a drug component is $400, but in Michigan the average annual drug deductible for Medicare Part C insurance plans with drug components is $185.18. 32.82% of 2017 Medicare Part C insurance plans with a drug component in Michigan have a $0 annual drug deductible.
  • The average total monthly premium for a 2017 Medicare Advantage plan without a drug component in Michigan is $51.51. 25.53% of 2017 Medicare Part C insurance plans without a drug component in Michigan have a $0 monthly premium.
  • The average medical out-of-pocket limit for 2017 Medicare Part C insurance plans in Michigan is $4,984.29. 7.75% of 2017 Medicare Advantage plans in Michigan had a medical out-of-pocket limit of $3,400 or less.

To assist seniors in choosing Medicare plans, CMS assigns star ratings to Medicare Part C and Part D plans each year based on preventive care, chronic condition management, customer service, member satisfaction, and drug pricing. Ratings range from 1 star (a poor plan) to 5 stars (an excellent plan).

  • The average overall CMS star rating assigned to Medicare Part C insurance plans in Michigan was 3.9 stars in 2017.
  • Among Michigan's 2017 Medicare Advantage plans with CMS star ratings:
    • 0.16% earned a score of 5 stars
    • 69.74% earned a score of 4 or 4.5 stars
    • 20.72% earned a score of 3 or 3.5 stars
    • 9.38% of plans are “Not enough data available” or “Too new to be measured”.

Sources:

1 http://mmapinc.org/volunteer/

Data on Medicare eligibility, enrollment, and spending by state from Kaiser Family Foundation

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Michigan Medicare Insurance Companies

There are 25 Medicare insurance providers that offer affordable and comprehensive Medicare insurance in Michigan. Of these, the companies that offer the largest variety of plans to choose from are Humana, Blue Cross Blue Shield of Michigan, and Health Alliance Plan. In Michigan,Blue Cross Blue Shield of Michigan has the largest selection of Medicare Advantage plans while Humana offers the most Medicare Part D plans. The following are all medicare insurance providers in Michigan:

Humana

17 Plans

Aetna

6 Plans

WellCare

3 Plans

Cigna

3 Plans

WPS Health Insurance

2 Plans

UNITEDHEALTHCARE INS. CO. & UHC INS. CO. OF NY

2 Plans

OMAHA HEALTH INSURANCE COMPANY

2 Plans

Upper Peninsula Health Plan (UPHP) MI Health Link

1 Plans

MeridianComplete

1 Plans

2019 Featured Medicare Plans in Michigan

There are 101 medicare plans in Michigan. The following are the 10 highest rated medicare plans in Michigan based on their CMS rating for the plan's overall quality.

Monthly CostPlan NameCMS Rating
from $0Priority Health - PriorityMedicare Key (HMO-POS) - Allegan County
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from $27Priority Health - PriorityMedicare Value (HMO-POS) - Berrien County
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from $48UnitedHealthcare - Erickson Advantage Freedom (HMO-POS) - Oakland County
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from $68WPS Health Insurance - WPS MedicareRx Plan 1 (PDP)
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from $98Priority Health - PriorityMedicare (HMO-POS) - Berrien County
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from $112WPS Health Insurance - WPS MedicareRx Plan 2 (PDP)
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from $160UnitedHealthcare - Erickson Advantage Signature without Drugs (HMO-POS) - Oakland County
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from $195UnitedHealthcare - Erickson Advantage Signature with Drugs (HMO-POS) - Oakland County
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from $0Humana - HumanaChoice H5216-190 (PPO) - Alcona County
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from $0Humana - HumanaChoice H5216-178 (PPO) - Macomb County
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Michigan Featured Medicare Plans for Managing High Blood Pressure

The following are the 5 highest rated medicare plans in Michigan based on their CMS rating for the plan's ability for controlling high blood pressure.

Monthly CostPlan NameCMS Rating
from $68Paramount Health Care - Paramount Elite - Enhanced Medical and Drug (HMO) - Lenawee County
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from $40Paramount Health Care - Paramount Elite - Enhanced Medical Only (HMO) - Lenawee County
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from $28Paramount Health Care - Paramount Elite - Prime Medical and Drug (HMO) - Lenawee County
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from $0Paramount Health Care - Paramount Elite - Standard Medical and Drug (HMO) - Lenawee County
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from $195UnitedHealthcare - Erickson Advantage Signature with Drugs (HMO-POS) - Oakland County
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Michigan Featured Medicare Plans for Managing Diabetes

The following are the 5 highest rated medicare plans in Michigan based on their CMS rating for the plan's ability for diabetes care including: eye exam, kidney disease monitoring, blood sugar controlled and cholesterol controlled.

Monthly CostPlan NameCMS Rating
from $195UnitedHealthcare - Erickson Advantage Signature with Drugs (HMO-POS) - Oakland County
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from $160UnitedHealthcare - Erickson Advantage Signature without Drugs (HMO-POS) - Oakland County
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from $48UnitedHealthcare - Erickson Advantage Freedom (HMO-POS) - Oakland County
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from $94Humana - Humana Gold Choice H8145-006 (PFFS) - Allegan County
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from $59Humana - Humana Gold Choice H8145-121 (PFFS) - Allegan County
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Michigan Featured Medicare Plans for Managing Rheumatoid Arthritis

The following are the 5 highest rated medicare plans in Michigan based on their CMS rating for the plan's ability for rheumatoid arthritis management.

Monthly CostPlan NameCMS Rating
from $47Meridian Health Plan - MeridianCare Elite Clarity (HMO) - Genesee County
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from $47Meridian Health Plan - MeridianCare Elite Smile (HMO) - Genesee County
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from $47Meridian Health Plan - MeridianCare Elite (HMO) - Genesee County
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from $0Meridian Health Plan - MeridianCare Essential Clarity (HMO) - Genesee County
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from $0Meridian Health Plan - MeridianCare Enhanced (HMO) - Genesee County
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Michigan Featured Medicare Plans for Managing Osteoporosis

The following are the 5 highest rated medicare plans in Michigan based on their CMS rating for the plan's ability for osteoporosis management.

Monthly CostPlan NameCMS Rating
from $180Blue Cross Blue Shield of Michigan - BCN Advantage HMO-POS Prestige (HMO-POS) - Allegan County
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from $78Blue Cross Blue Shield of Michigan - BCN Advantage HMO-POS Classic (HMO-POS) - Allegan County
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from $55Blue Cross Blue Shield of Michigan - BCN Advantage HMO ConnectedCare (HMO) - Arenac County
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from $53Blue Cross Blue Shield of Michigan - BCN Advantage HMO-POS Elements (HMO-POS) - Alcona County
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from $41Blue Cross Blue Shield of Michigan - BCN Advantage HMO MyChoice Wellness (HMO) - Muskegon County
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Most Popular Medicare Doctors in Michigan

The following are the most popular medicare doctors in Michigan based on the provider utilization and payment data published by the U.S. Department of Health & Human Services.

NameSpecialtyLocation
SurgeryBAY CITY, MI
Internal MedicineDEARBORN, MI
Neurological SurgeryGRAND BLANC, MI
SurgeryLIVONIA, MI
Thoracic Surgery (Cardiothoracic Vascular Surgery)SAGINAW, MI
SurgeryDETROIT, MI
Internal MedicineSAINT CLAIR SHORES, MI
SurgeryDETROIT, MI
Internal MedicineYPSILANTI, MI
Orthopaedic SurgeryDEARBORN, MI
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Browse Medicare Plans by Cities

  1. Detroit, MI
  2. Grand Rapids, MI
  3. Warren, MI
  4. Sterling Heights, MI
  5. Lansing, MI
  6. Flint, MI
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