Medicare Advantage Plans in Sanilac County, MI:
Your Complete 2025 Guide
In Sanilac County, MI, Medicare beneficiaries have 57 Medicare Advantage plans to consider for 2025. Among them, 34 are offered at a $0 premium. About 3,492 people in the County are currently enrolled, and 57% of plans are rated 4 stars or higher. Special Needs Plans are not included in the figures shown above. Explore SNP options for Sanilac County, MI here.
Page last revised:
Enrollment data refreshed: September 16, 2025
* Each year CMS evaluates Medicare Advantage plans on a 5-star scale. Data sources
Medicare Advantage PPO Plans
Preferred Provider Organization (PPO) plans offer flexibility by allowing you to see both in-network and out-of-network providers. Out-of-network care usually costs more, but PPOs may appeal to people who want more choice in doctors and hospitals.
- Total PPO Plans 32
- Average Premium $38.53/mo
- Beneficiaries Enrolled 2,664
- $0 Premium PPOs 18
- Average MOOP $5,696
- Most Popular PPO Medicare Plus Blue PPO Essential (PPO) with 978 enrollees
- PPOs Without Drug Coverage 5
What is the total number of PPO plans offered in Sanilac?
There are 32 PPO plans in 2025, covering 2,664 beneficiaries.
How much do PPO plans cost on average in Sanilac?
The average PPO premium is $38.53, with 18 costing $0.
What is the most popular PPO plan in Sanilac?
Medicare Plus Blue PPO Essential (PPO) is the top PPO in Sanilac, with 978 enrollees.
What is the number of PPO plans without Part D coverage in Sanilac?
There are 5 PPO plans in Sanilac without prescription drug coverage.
Medicare Advantage HMO Plans
With an HMO, you’ll typically get care from providers and facilities in the plan’s network. In exchange for this limitation, HMO plans usually feature lower monthly premiums and reduced cost-sharing, which can help enrollees better manage their healthcare expenses.
- Total HMO Plans
- 8
- Average Premium
- $3.13/mo
- Beneficiaries Enrolled
- 209
- $0 Premium HMOs
- 7
- Average MOOP
- $4,863
- Most Popular HMO
- HAP Medicare Connect (HMO) with 118 enrollees
- HMOs Without Drug Coverage
- 2
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. |
|---|---|---|---|---|
| HAP Medicare Connect | $0 | $5,000 | $150 | |
| HAP Medicare MedicalAccess | $0 | $4,500 | N/A | |
| HAP MSU-HC Medicare | $0 | $5,000 | $150 | |
| McLaren Medicare Inspire | $0 | $4,200 | $0 | |
| McLaren Medicare Inspire Plus | $25 | $3,500 | $0 | |
| Trinity Health Plan of Michigan Cash Back | $0 | $6,700 | $350 | |
| Trinity Health Plan of Michigan Glory No RX | $0 | $5,500 | N/A | |
| Trinity Health Plan of Michigan No Premium | $0 | $4,500 | $0 |
What is the average monthly premium for HMO plans?
On average, HMO plans in Sanilac cost $3.13 per month.
Which HMO plan is most popular in Sanilac?
The leading HMO in Sanilac is HAP Medicare Connect (HMO), with 118 members.
How many HMO plans in Sanilac do not include drug coverage?
There are 2 HMO plans available in Sanilac without Part D benefits.
Medicare Advantage HMO-POS Plans
With HMO Point-of-Service (HMO-POS) plans, you can enjoy the cost savings of an HMO while still having the flexibility to see out-of-network providers when necessary. Though out-of-network care typically costs more, this type of plan offers a good middle ground for those who want some freedom in their provider choices.
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. |
|---|---|---|---|---|
| BCN Advantage Elements | $0 | $4,500 | N/A | |
| BCN Advantage HMO-POS Classic | $115 | $3,800 | $0 | |
| BCN Advantage HMO-POS Prestige | $228 | $3,400 | $0 | |
| BCN Advantage HMO-POS Prime Value | $0 | $4,200 | $0 | |
| Covenant Advantage | $0 | $3,900 | $0 | |
| Covenant Advantage Plus | $25 | $3,900 | $0 | |
| Priority Health Medicare PriorityMedicare | $99 | $4,500 | $0 | |
| PriorityMedicare Key | $0 | $5,500 | $0 | |
| PriorityMedicare Value | $44 | $4,900 | $0 | |
| HAP Senior Plus | $105 | $4,500 | $0 | |
| Aetna Medicare Premier | $0 | $4,500 | $590 | |
| Humana Gold Plus H8908-004 | $0 | $4,600 | $250 | |
| McLaren Medicare Inspire Flex | $0 | $3,800 | $0 | |
| Wellcare Assist | $16 | $5,000 | $520 | |
| Wellcare Giveback | $0 | $7,550 | $420 | |
| Wellcare Low Premium | $16 | $4,800 | $420 | |
| Wellcare Simple | $0 | $4,600 | $420 |
What is the leading HMO-POS plan in Sanilac?
BCN Advantage HMO-POS Prime Value (HMO-POS) is the most popular HMO-POS plan in Sanilac, with 282 enrollees.
What is the number of HMO-POS plans without Part D coverage in Sanilac?
1 HMO-POS plans in Sanilac do not include drug coverage.
The table below shows the quality ratings for Medicare Advantage plans offered in Sanilac County, MI for 2025.
| Rating Category | Number of Plans | Percent of Plans |
|---|---|---|
| 5 Stars | No 5-star plans available. | 0% |
| 4 Stars (includes 5 Stars) | 30 | 57% |
| 3 Stars | 23 | 43% |
| Below 3 Stars | 0 | 0% |
| Not Rated | 4 | 7% |
| Average Rating | 3.86 | |
In Sanilac County, Medicare Advantage enrollment follows specific timelines. Understanding these options—whether it’s your first time enrolling or switching plans—helps you choose coverage that matches your health and budget.
When You Can Sign Up
- Initial Enrollment Period (IEP): Lasting seven months around your 65th birthday, this period lets you enroll in Medicare for the first time. You may also choose a Medicare Advantage plan during this time. Learn more
- Medicare Advantage Open Enrollment Period (MA OEP): Between January 1 and March 31, people already enrolled in Medicare Advantage can make a one-time change—switch to another plan or return to Original Medicare. Learn more
- Annual Enrollment Period (AEP): From October 15 through December 7 each year, you can make changes to your Medicare coverage for the following year. Learn more
- Special Enrollment Periods (SEPs): Life events like moving to a new service area, losing other health coverage, or becoming eligible for assistance may open a Special Enrollment Period to adjust your Medicare coverage. Learn more
How to Sign Up for a Medicare Advantage Plan
- Licensed Agent Assistance: For one-on-one guidance, contact HealthCompare at 1-833-748-3201 (TTY 711). Agents are available Monday through Friday 5am–6pm and Saturday 6am–5pm PST.
- Contact the Plan Provider Directly: Start enrollment by reaching out to the plan provider through their website or by phone with their member services team.
- Use Medicare.gov: At Medicare.gov, you can compare Medicare Advantage plans side by side and enroll securely 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 Applegate, Brown City, Carsonville, Croswell, Decker, Deckerville, Lexington, Marlette, Melvin, Peck, Port Sanilac, Sandusky, Snover, and all other areas of Sanilac County, Michigan.
Plans Offered for Enrollment through Medicare.org
Medicare Advantage and Part D plans and benefits offered by the following carriers: Aetna Medicare, Anthem Blue Cross, Anthem Blue Cross and Blue Shield, Aspire Health Plan, Baylor Scott & White Health Plan, Capital Blue Cross, Cigna Healthcare, Dean Health Plan, Devoted Health, Florida Blue Medicare, Freedom Health, GlobalHealth, Health Care Service Corporation, Healthy Blue, HealthSun, Humana, Molina Healthcare, Mutual of Omaha, Medica Central Health Plan, Optimum HealthCare, Premera Blue Cross, SCAN Health Plan, Simply, UnitedHealthcare(R), Wellcare, WellPoint.
CMS Plan IDs Presented
The Medicare Advantage plan pages listed in the tables above include localization to assist beneficiaries with plans available in their service area. However, most Part C plans are available in more than one service area, which can lead to confusion. The following list of CMS IDs links to our master plan pages without localization.
- CMS.gov, Landscape Source Files — Last accessed September 13, 2025
- CMS.gov, Medicare Part C & D Performance — Last accessed September 13, 2025
- CMS.gov, Plan Benefits Package — Last accessed September 13, 2025
- CMS.gov, Medicare Advantage/Part D Contract and Enrollment Data — Last accessed September 16, 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 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, "Compare types of Medicare Advantage Plans" — Last accessed 25 May, 2025
- Medicare.gov, "Your coverage options" — Last accessed 25 May, 2025
- Medicare.gov, "Joining a plan" — Last accessed 25 May, 2025
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 managed by David Bynon, Medicare Analyst.