Medicare Advantage Plans in Macomb County, MI:
Your Complete 2026 Guide
For 2026, residents of Macomb County, MI can choose from 66 Medicare Advantage plan options. Of these, 41 cost nothing beyond the Part B premium. Enrollment in the County stands at approximately 62,318, with 67% of plans achieving 4 stars or better. The totals and data on this page do not cover Special Needs Plans. View SNPs available in Macomb County, MI.
- Page Updated
- Enrollment Data
- May 2, 2026
- CMS Quality Ratings
- * CMS reviews Medicare Advantage plans annually with a 5-star rating program. Data sources
Medicare Advantage PPO Plans
Preferred Provider Organization (PPO) plans allow members to choose care from both in-network and out-of-network providers. While using out-of-network doctors or hospitals usually means higher costs, PPOs may appeal to people who want more flexibility in how they access their healthcare.
- Total PPO Plans
- 35
- Average Premium
- $31.64/mo
- Beneficiaries Enrolled
- 41,620
- $0 Premium PPOs
- 22
- Average MOOP
- $5,996
- Most Popular PPO
- Medicare Plus Blue Secure (PPO) with 4,463 enrollees
- PPOs Without Drug Coverage
- 5
What is the typical premium for PPO plans available in Macomb?
On average, PPO plans in Macomb cost $31.64 per month.
Which PPO plan do most beneficiaries choose in Macomb?
The most popular PPO in Macomb is Medicare Plus Blue Secure (PPO), covering 4,463 beneficiaries.
How many PPO options are offered without drug coverage in Macomb?
5 PPO plans available in Macomb do not include Part D benefits.
Medicare Advantage HMO Plans
Health Maintenance Organization (HMO) plans generally require members to use doctors, hospitals, and other providers within the plan’s network, except in emergencies. Because of this structure, HMOs often come with lower premiums and out-of-pocket costs compared with other plan types.
- Total HMO Plans 14
- Average Premium $10.34/mo
- Beneficiaries Enrolled 9,651
- $0 Premium HMOs 11
- Average MOOP $5,246
- Most Popular HMO HAP Medicare Superior (HMO) with 3,225 enrollees
- HMOs Without Drug Coverage 2
| Plan Name | Rating* | Premium | MOOP | Rx Ded. | Plan-ID |
|---|---|---|---|---|---|
| BCN Advantage ConnectedCare | $41 | $4,400 | $125 | H5883 007 0 | |
| HAP Medicare Connect | $0 | $5,000 | $150 | H2354 015 0 | |
| HAP Medicare MedicalAccess | $0 | $4,500 | N/A | H2354 019 0 | |
| HAP Medicare Superior | $0 | $5,100 | $150 | H2354 028 0 | |
| HAP Senior Plus Henry Ford Tiered Access | $95 | $4,750 | $0 | H2354 018 0 | |
| Henry Ford Select | $0 | $3,500 | $150 | H2354 029 0 | |
| Trinity Health Plan of Michigan Cash Back | $0 | $7,500 | $275 | H9179 002 0 | |
| Trinity Health Plan of Michigan Glory No RX | $0 | $6,500 | N/A | H9179 003 0 | |
| Trinity Health Plan of Michigan No Premium | $0 | $4,500 | $100 | H9179 001 0 | |
| McLaren Medicare Inspire | $0 | $6,300 | $615 | H6322 001 0 | |
| McLaren Medicare Inspire Plus | $9 | $5,900 | $500 | H6322 002 0 | |
| McLaren Medicare Inspire Select | $0 | $6,750 | $615 | H6322 008 0 | |
| Zing Elite Select MI | $0 | $4,500 | $0 | H4624 022 0 | |
| Zing Select Care MI | $0 | $4,250 | $0 | H4624 006 0 |
What is the total number of HMO plans offered in Macomb?
In 2026, Macomb County has 14 HMO plans with 9,651 members.
How much do HMO plans cost on average in Macomb?
The mean monthly HMO premium is $10.34, and 11 have no premium.
Medicare Advantage HMO-POS Plans
HMO-POS plans are structured like HMOs, requiring in-network care for the lowest costs, but they also permit some use of out-of-network doctors and hospitals. Those services are generally more expensive, but the added access can be valuable for people who don’t want to be fully limited to a single network.
- Total HMO-POS Plans
- 17
- Average Premium
- $41.98/mo
- Beneficiaries Enrolled
- 11,047
- $0 Premium HMO-POS
- 8
- Average MOOP
- $5,359
- Most Popular HMO-POS
- Humana Gold Plus H8908-004 (HMO-POS) with 2,243 enrollees
- HMO-POS Without Drug Coverage
- 1
| Plan Name | Rating* | Premium | MOOP | Rx Ded. | Plan-ID |
|---|---|---|---|---|---|
| BCN Advantage Classic | $145 | $4,400 | $0 | H5883 002 7 | |
| BCN Advantage Elements | $0 | $4,500 | N/A | H5883 001 5 | |
| BCN Advantage Prestige | $267 | $4,000 | $0 | H5883 003 5 | |
| BCN Advantage Prime Value | $35 | $5,000 | $150 | H5883 014 5 | |
| Priority Health Medicare PriorityMedicare | $66 | $4,500 | $0 | H2320 028 5 | |
| PriorityMedicare Key | $0 | $5,800 | $200 | H2320 022 5 | |
| PriorityMedicare Smart Savings | $0 | $9,250 | $500 | H2320 032 5 | |
| PriorityMedicare Value | $43 | $5,100 | $100 | H2320 029 5 | |
| PriorityMedicare Vintage | $9 | $5,600 | $615 | H2320 031 0 | |
| HAP Senior Plus | $105 | $4,550 | $0 | H2354 021 0 | |
| Aetna Medicare Prime Care | $0 | $5,900 | $615 | H3192 021 0 | |
| Aetna Medicare Signature | $0 | $6,750 | $615 | H3192 003 0 | |
| Humana Gold Plus H8908-001 | $35 | $3,950 | $200 | H8908 001 0 | |
| Humana Gold Plus H8908-004 | $0 | $4,250 | $250 | H8908 004 0 | |
| Wellcare Assist | $9 | $5,000 | $580 | H5475 038 0 | |
| Wellcare Giveback | $0 | $7,550 | $615 | H5475 031 0 | |
| Wellcare Simple | $0 | $5,000 | $615 | H5475 026 0 |
- What is the average monthly premium for HMO-POS plans?
- On average, HMO-POS plans in Macomb cost $41.98 per month.
- Which HMO-POS plan is most popular in Macomb?
- The leading HMO-POS in Macomb is Humana Gold Plus H8908-004 (HMO-POS), with 2,243 members.
- How many HMO-POS plans in Macomb do not include drug coverage?
- There are 1 HMO-POS plans in Macomb without Part D benefits.
The table below shows the quality ratings for Medicare Advantage plans offered in Macomb County, MI for 2026.
| Rating Category | Number of Plans | Percent of Plans |
|---|---|---|
| 5 Stars | No 5-star plans available. | 0% |
| 4 Stars (includes 5 Stars) | 44 | 67% |
| 3 Stars | 20 | 30% |
| Below 3 Stars | 2 | 3% |
| Not Rated | 0 | 0% |
| Average Rating | 3.9 | |
Medicare Advantage comes with strict enrollment windows. By knowing when and how to sign up, you’ll avoid missed deadlines and keep your healthcare coverage aligned with your needs.
Understanding Enrollment Windows
- Initial Enrollment Period (IEP): Beginning three months before you turn 65 and lasting until three months after, this is the initial chance to join Medicare. You may also select a Medicare Advantage plan if it fits your needs. Learn more
- Medicare Advantage Open Enrollment Period (MA OEP): Running from January 1 to March 31 each year, this period allows one change to your current Medicare Advantage coverage or a move back to Original Medicare. Learn more
- Annual Enrollment Period (AEP): This yearly window, running October 15 to December 7, gives you the opportunity to join, switch, or drop Medicare Advantage and Part D plans. Learn more
- Special Enrollment Periods (SEPs): Certain qualifying events, such as a change in residence or loss of existing coverage, may allow you to enroll in or change Medicare Advantage plans outside of the usual enrollment windows. Learn more
Enrollment Options Explained
- Talk with a Licensed Agent: Licensed agents at HealthCompare can explain your Medicare Advantage choices. Reach them at 1-833-748-3201 (TTY 711), Monday–Friday 5am–6pm and Saturday 6am–5pm PST.
- Contact the Plan Provider Directly: Enrollment can also be completed by calling the plan provider’s customer service line or visiting their official website.
- Use Medicare.gov: The official Medicare website, Medicare.gov, lets you review available plans and complete enrollment online.
The MA and MAPD plans on this page are available to people on Medicare enrolled in both Medicare Part A and Part B living in Armada, Center Line, Eastpointe, Fraser, Clinton Township, Macomb, Mount Clemens, Harrison Township, New Baltimore, New Haven, Richmond, Romeo, Roseville, Saint Clair Shores, Warren, Washington, Ray, Sterling Heights, Utica, and all other areas of Macomb County, Michigan.
Plans Offered for Enrollment through Medicare.org
Medicare Advantage and Part D plans and benefits offered by the following carriers: Medicare Advantage and Part D plans and benefits offered by the following carriers: Aetna Medicare, Anthem Blue Cross and Blue Shield, Aspire Health Plan, Baylor Scott & White Health Plan, Capital Blue Cross, Dean Health Plan, Devoted Health, Florida Blue Medicare, Freedom Health, GlobalHealth, Health Care Service Corporation, HealthSpring℠, HealthSun, Healthy Blue, Humana, Molina Healthcare, Mutual of Omaha, Medica Central Health Plan, Optimum HealthCare, Premera Blue Cross, SCAN Health Plan, Simply, UnitedHealthcare(R), Wellcare, WellPoint
- CMS.gov, Landscape Source Files — Last accessed September 26, 2025
- CMS.gov, Medicare Part C & D Performance — Last accessed October 10, 2025
- CMS.gov, Plan Benefits Package — Last accessed October 13, 2025
- CMS.gov, Medicare Advantage/Part D Contract and Enrollment Data — Last accessed May 2, 2026
Some facts and percentages shown on this page (such as average premiums, distribution of plan types, and percentage of $0 premium plans) are calculated by Medicare.org using data from the CMS Landscape file, Plan Benefits Package (PBP) files and Part C & D Performance files. All underlying values originate from CMS, and calculations are refreshed whenever CMS issues updated data. Enrollment counts and rankings (such as Top 3 plans by enrollment) are derived from CMS monthly enrollment files and aggregated at the county level.
Medicare.org separates Medicare Advantage (MA/MAPD) plans and Special Needs Plans (SNPs) into different pages for clarity. As a result, plan counts, percentages, and other calculations shown here may differ from the aggregate totals published in the CMS Landscape files. All plan availability and benefit details originate from CMS.
Learn more about how we use CMS data.
- Medicare.gov, "Understanding Medicare Advantage Plans" — Last accessed 25 May, 2025
- Medicare.gov, "Explore your Medicare coverage options" — Last accessed 25 May, 2025
- NCOA.org, "5 Steps to Choosing the Right Medicare Plan for You" — Last accessed 25 May, 2025
Some facts and percentages shown on this page (such as average premiums, distribution of plan types, and percentage of $0 premium plans) are calculated by Medicare.org using data from the CMS Plan Benefits Package (PBP) files and Part C & D Performance files. All underlying values originate from CMS, and calculations are refreshed whenever CMS issues updated data.
To explore how 2026 Medicare Advantage plans available in Macomb County compare with plans offered elsewhere, you can search the Medicare Advantage plan directory to review options nationwide using the same authoritative data sources.
Medicare.org is owned and operated by Health Network Group, LLC, an Allstate company. Medicare.org provides information only and is not connected with or endorsed by the U.S. Government or the federal Medicare program.
Data provenance documentation is maintained in alignment with the U.S. Core Data for Interoperability (USCDI) Provenance standard.
Page content independently curated and maintained by David W. Bynon, Medicare Technical Operator, using a standardized, data-driven methodology designed for accurate, non-commercial Medicare plan interpretation and resolution.