Understanding Medicare Special Needs Plans in Bay County, Michigan
Bay County, MI offers 21 Special Needs Plans (SNPs) in 2027, including 13 with no monthly premium. Currently, about 2,018 beneficiaries are enrolled, and 47% of SNPs have a 4-star rating or higher. These plans are designed for Medicare beneficiaries who meet special eligibility criteria, such as dual coverage, qualifying chronic conditions, or residence in a long-term care facility.
You can also review all Medicare coverage options available in Bay County, MI.
Page last revised:
Enrollment data refreshed: October 5, 2026
* Each year CMS evaluates Medicare Advantage plans on a 5-star scale. Data sources
Dual Eligible Special Needs Plans (D-SNPs)
Dual Eligible Special Needs Plans (D-SNPs) are designed for people who qualify for both Medicare and Medicaid. These plans coordinate benefits to reduce costs and provide access to additional support services.
- Total D-SNP Plans: 14
- Average Premium: $1.43/mo
- Beneficiaries Enrolled: 1,703
- $0 Premium D-SNPs: 9
- Zero Cost D-SNP Plans: 11
- Most Popular D-SNP: HumanaChoice SNP-DE H5216-388 (D-SNP) with 397 enrollees
- D-SNPs Without Drug Coverage: 0
| Health Plan Name | CMS Rating* | Premium Per Mo | Network | CMS Plan ID |
|---|---|---|---|---|
| UHC Dual Complete MI-S001 | $6 | PPO D-SNP | H2001 039 0 | |
| HAP Medicare Complete Duals | $6 | HMO D-SNP | H2354 025 0 | |
| Humana Dual Select H5216-385 | $0 | PPO D-SNP | H5216 385 0 | |
| HumanaChoice SNP-DE H5216-388 | $0 | PPO D-SNP | H5216 388 0 | |
| HAP Medicare Complete Assist | $6 | PPO D-SNP | H2322 020 0 | |
| Humana Gold Plus SNP-DE H8908-005 | $0 | HMO D-SNP | H8908 005 0 | |
| Humana Gold Plus SNP-DE H8908-007 | $0 | HMO D-SNP | H8908 007 0 | |
| Molina Medicare Complete Care | $1 | HMO D-SNP | H5926 001 0 | |
| PriorityMedicare D-SNP | $0 | HMO D-SNP | H8379 001 0 | |
| UHC Dual Advantage MI-V1 | $0 | HMO-POS D-SNP | H2247 003 0 | |
| UHC Dual Complete MI-Q1 | $0 | HMO-POS D-SNP | H2247 001 0 | |
| UHC Dual Complete MI-S3 | $0 | HMO D-SNP | H2247 004 0 | |
| Wellcare Meridian Health Dual Access | $0 | HMO-POS D-SNP | H5475 001 0 | |
| Wellcare Meridian Health Dual Liberty | $0 | HMO D-SNP | H7435 002 0 |
What D-SNP plan has the highest enrollment in Bay County?
HumanaChoice SNP-DE H5216-388 (D-SNP) is the most popular D-SNP in Bay County, with 397 enrollees.
What is the total number of D-SNP options in Bay County?
There are 14 D-SNP plans in 2027, covering 1,703 beneficiaries.
Institutional Special Needs Plans (I-SNPs)
These plans cater to individuals residing in long-term care facilities, such as nursing homes, or those requiring extended skilled nursing facility care at home. The CMS website provides more information about I-SNPs and their coverage details.
- Total I-SNP Plans
- 3
- Average Premium
- $4.20/mo
- Beneficiaries Enrolled
- 41
- $0 Premium I-SNPs
- 1
- Average MOOP
- $17,133
- Most Popular I-SNP
- Longevity Health Plan (I-SNP) with 41 enrollees
- I-SNPs Without Drug Coverage
- 0
| Health Plan Name | CMS Rating* | Premium Per Mo | Network | CMS Plan ID |
|---|---|---|---|---|
| Longevity Health Plan | $6 | HMO I-SNP | H7557 001 0 | |
| Premier Care | $0 | HMO-POS I-SNP | H6832 004 0 | |
| Senior Care | $6 | HMO I-SNP | H6832 001 0 |
What is the total number of I-SNP options in Bay County?
Bay County has 3 I-SNP options for 2027, serving 41 members.
How much do I-SNP plans cost on average in Bay County?
The mean monthly I-SNP premium in Bay County is $4.20, with 1 at no cost.
Chronic Condition Special Needs Plans (C-SNPs)
These plans are designed for individuals with severe or disabling chronic conditions. C-SNPs excel at coordinating your care among different medical specialists and often include extra benefits like prescription drug plans.
- Total C-SNP Plans 4
- Average Premium $1.58/mo
- Beneficiaries Enrolled 274
- $0 Premium C-SNPs 3
- Average MOOP $14,925
- Most Popular C-SNP HumanaChoice - Diabetes and Heart (C-SNP) with 190 enrollees
- C-SNPs Without Drug Coverage 0
| Health Plan Name | CMS Rating* | Premium Per Mo | Network | CMS Plan ID |
|---|---|---|---|---|
| HAP Medicare Diabetes and Heart | $6 | HMO C-SNP | H2354 030 0 | |
| HumanaChoice - Diabetes and Heart | $0 | PPO C-SNP | H5216 375 0 | |
| UHC Complete Care Support MI-3 | $0 | PPO C-SNP | H0294 048 0 | |
| UHC Complete Care MI-5 | $0 | HMO-POS C-SNP | H2736 002 0 |
What is the typical monthly premium for C-SNPs in Bay County?
On average, C-SNP plans in Bay County cost $1.58 per month.
Which C-SNP plan do most beneficiaries with chronic conditions choose in Bay County?
The leading C-SNP in Bay County is HumanaChoice - Diabetes and Heart (C-SNP), with 190 members.
How many Chronic Condition SNPs are offered in Bay County?
In 2027, Bay County offers 4 C-SNPs with 274 enrollees.
Medicare Special Needs Plans have 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): 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
Ways to Enroll in Medicare Advantage Special Needs Plans
- Consult a Licensed Agent: Call a licensed insurance agent at 1-833-748-3201 (TTY 711), available Mon-Fri 8AM-10PM, Sat 9AM-8PM EST, for help reviewing your Medicare options.
- 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 D-SNP, C-SNP, and I-SNP plans listed on this page are available to qualifying individuals enrolled in Medicare Part A and Part B living in Auburn, Bentley, Kawkawlin, Linwood, Pinconning, Bay City, Essexville, Munger, and all other areas of Bay County, Michigan. For a broader statewide overview, see Medicare plan options in Michigan.
Plans Offered through Medicare.org
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, Dean Health Plan, Devoted Health, Florida Blue Medicare, Freedom Health, 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®, Wellcare, WellPoint
- CMS.gov, Landscape Source Files — Version: CY2027 Landscape (202609.1)
- CMS.gov, Medicare Part C & D Performance — Version: 2027 Star Ratings Data Tables
- CMS.gov, Plan Benefits Package — Version: PBP Benefits-2027
- CMS.gov, Medicare Advantage/Part D Contract and Enrollment Data — Version: 2026-09
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 2027 Medicare SNP plans available in Bay County compare with plans offered elsewhere, you can search the Special Needs Plan directory to review options nationwide using the same authoritative data sources.
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.
- CMS.gov, "Medicare Advantage Plan Fact Sheet" — Last accessed 25 May, 2025
- Medicare.gov, "Your coverage options" — Last accessed 23 May, 2025
- Medicare.gov, "Joining a plan" — Last accessed 21 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 independently curated and maintained by David W. Bynon, Editorial Steward, using a standardized, data-driven methodology for accurate Medicare coverage interpretation and resolution.