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Medicare Advantage plans in St. Clair County, MI for 2027
64 Medicare Advantage plans from 9 companies are available in St. Clair County for 2027. Plans with a $0 monthly premium (not counting special needs plans): 31. Lowest in-network out-of-pocket limit: $4,000.
Open enrollment for 2027 runs October 15 – December 7, 2026; coverage starts January 1, 2027.
Plans with drug coverage (45)
| Plan | Type | Monthly premium | Drug deductible | Out-of-pocket limit (in network) | Last year's star rating |
|---|---|---|---|---|---|
| Humana Gold Plus H8908-004 (HMO-POS) Humana | HMO-POS | $0 | $700 | $4,400 | 3 |
| Aetna Medicare Signature Extra (PPO) Aetna Medicare | PPO | $0 | $500 | $4,900 | 4.5 |
| Aetna Medicare Signature (PPO) Aetna Medicare | PPO | $0 | $400 | $5,200 | 4.5 |
| Humana Full Access (PPO) Humana | PPO | $0 | $600 | $5,200 | 3.5 |
| Humana Full Access (PPO) Humana | PPO | $0 | $600 | $5,200 | 4.5 |
| HAP Medicare Connect (HMO) Health Alliance Plan by Henry Ford Health | HMO | $0 | $200 | $5,600 | 4 |
| HAP Medicare Superior (HMO) Health Alliance Plan by Henry Ford Health | HMO | $0 | $200 | $5,800 | 4 |
| Aetna Medicare Value Care (PPO) Aetna Medicare | PPO | $0 | $400 | $5,900 | 4.5 |
| HAP Medicare Explore (PPO) Health Alliance Plan by Henry Ford Health | PPO | $0 | $400 | $6,050 | 4 |
| HAP Medicare Prime (PPO) Health Alliance Plan by Henry Ford Health | PPO | $0 | $400 | $6,400 | 4 |
| McLaren Medicare Inspire (HMO) McLaren Medicare | HMO | $0 | $615 | $6,600 | 3 |
| Aetna Medicare Signature (HMO-POS) Aetna Medicare | HMO-POS | $0 | $500 | $6,750 | 3 |
| McLaren Medicare Inspire Giveback (HMO) McLaren Medicare | HMO | $0 | $615 | $6,750 | 3 |
| PriorityMedicare Key (HMO-POS) Priority Health Medicare | HMO-POS | $0 | $300 | $6,950 | 4.5 |
| Medicare Plus Blue Secure (PPO) Blue Cross Blue Shield of Michigan | PPO | $0 | $435 | $7,000 | 4.5 |
| PriorityMedicare Edge (PPO) Priority Health Medicare | PPO | $0 | $300 | $7,100 | 4 |
| Wellcare Assist (HMO-POS) Wellcare | HMO-POS | $0 | $700 | $7,100 | 3 |
| Wellcare Simple (HMO-POS) Wellcare | HMO-POS | $0 | $700 | $7,100 | 3 |
| PriorityMedicare Thrive (PPO) Priority Health Medicare | PPO | $0 | $400 | $7,150 | 4 |
| Medicare Plus Blue Giveback (PPO) Blue Cross Blue Shield of Michigan | PPO | $0 | $600 | $9,250 | 4.5 |
| Humana Full Access Giveback (PPO) Humana | PPO | $0 | $150 | $9,850 | 4.5 |
| Humana Full Access Giveback (PPO) Humana | PPO | $0 | $150 | $9,850 | 3.5 |
| Humana Value Plus H5216-382 (PPO) Humana | PPO | $0 | $0 | $9,850 | 3.5 |
| PriorityMedicare Smart Savings (HMO-POS) Priority Health Medicare | HMO-POS | $0 | $700 | $9,850 | 4.5 |
| Wellcare Giveback (HMO-POS) Wellcare | HMO-POS | $0 | $700 | $9,850 | 3 |
| HAP Member Assist (PPO) Health Alliance Plan by Henry Ford Health | PPO | $6.30 | $500 | $5,600 | 4 |
| PriorityMedicare Align (HMO-POS) Priority Health Medicare | HMO-POS | $6.30 | $700 | $6,800 | 4.5 |
| McLaren Medicare Inspire Plus (HMO) McLaren Medicare | HMO | $20 | $500 | $5,900 | 3 |
| Medicare Plus Blue Essential (PPO) Blue Cross Blue Shield of Michigan | PPO | $35.80 | $400 | $7,150 | 4.5 |
| BCN Advantage Prime Value (HMO-POS) Blue Care Network | HMO-POS | $39.30 | $600 | $6,000 | 4.5 |
| Humana Full Access (PPO) Humana | PPO | $41 | $450 | $4,800 | 3.5 |
| Medicare Plus Blue + Meijer (PPO) Blue Cross Blue Shield of Michigan | PPO | $45 | $400 | $6,750 | 4.5 |
| BCN Advantage ConnectedCare (HMO) Blue Care Network | HMO | $50 | $100 | $4,800 | 4.5 |
| PriorityMedicare Thrive Plus (PPO) Priority Health Medicare | PPO | $67 | $225 | $6,600 | 4 |
| PriorityMedicare Value (HMO-POS) Priority Health Medicare | HMO-POS | $75 | $225 | $6,000 | 4.5 |
| Humana Full Access R0110-014 (Regional PPO) Humana | Regional PPO | $89 | $700 | $7,050 | 3.5 |
| Medicare Plus Blue Vitality (PPO) Blue Cross Blue Shield of Michigan | PPO | $91 | $250 | $5,000 | 4.5 |
| PriorityMedicare (HMO-POS) Priority Health Medicare | HMO-POS | $103 | $0 | $5,100 | 4.5 |
| HAP Senior Plus (HMO-POS) Health Alliance Plan by Henry Ford Health | HMO-POS | $105 | $0 | $4,650 | 4 |
| BCN Advantage Classic (HMO-POS) Blue Care Network | HMO-POS | $117 | $200 | $4,800 | 4.5 |
| PriorityMedicare Merit (PPO) Priority Health Medicare | PPO | $119 | $0 | $5,000 | 4 |
| Medicare Plus Blue Signature (PPO) Blue Cross Blue Shield of Michigan | PPO | $132 | $200 | $4,300 | 4.5 |
| HAP Senior Plus (PPO) Health Alliance Plan by Henry Ford Health | PPO | $165 | $0 | $4,450 | 4 |
| Medicare Plus Blue Assure (PPO) Blue Cross Blue Shield of Michigan | PPO | $217.50 | $100 | $4,000 | 4.5 |
| BCN Advantage Prestige (HMO-POS) Blue Care Network | HMO-POS | $241 | $100 | $4,400 | 4.5 |
Plans without drug coverage (6)
| Plan | Type | Monthly premium | Out-of-pocket limit (in network) | Last year's star rating |
|---|---|---|---|---|
| BCN Advantage Elements (HMO-POS) Blue Care Network | HMO-POS | $0 | $4,500 | 4.5 |
| HAP Medicare MedicalAccess (HMO) Health Alliance Plan by Henry Ford Health | HMO | $0 | $4,500 | 4 |
| Aetna Medicare Eagle (PPO) Aetna Medicare | PPO | $0 | $5,200 | 4.5 |
| Humana USAA Honor Giveback (PPO) Humana | PPO | $0 | $6,550 | 3.5 |
| Humana USAA Honor Giveback (PPO) Humana | PPO | $0 | $6,550 | 4.5 |
| HumanaChoice R0110-013 (Regional PPO) Humana | Regional PPO | $0 | $6,550 | 3.5 |
Special needs plans (13)
Special needs plans are only for people who also have Medicaid (D-SNP), certain chronic conditions (C-SNP) or who live in an institution such as a nursing home (I-SNP).
| Plan | Type | Monthly premium | Drug deductible | Out-of-pocket limit (in network) | Last year's star rating |
|---|---|---|---|---|---|
| HumanaChoice - Diabetes and Heart (PPO C-SNP) Humana | PPO C-SNP | $0 | $400 | $6,950 | 3.5 |
| Aetna Medicare Chronic Care (HMO C-SNP) Aetna Medicare | HMO C-SNP | $0 | $700 | $7,150 | 3 |
| Aetna Medicare Dual Care (HMO D-SNP) Aetna Medicare | HMO D-SNP | $0 | $700 | $9,850 | 3 |
| Humana Dual Select H5216-385 (PPO D-SNP) Humana | PPO D-SNP | $0 | $0 | $9,850 | 3.5 |
| Humana Gold Plus SNP-DE H8908-005 (HMO D-SNP) Humana | HMO D-SNP | $0 | $700 | $9,850 | 3 |
| Humana Gold Plus SNP-DE H8908-007 (HMO D-SNP) Humana | HMO D-SNP | $0 | $700 | $9,850 | 3 |
| Wellcare Meridian Health Dual Access (HMO-POS D-SNP) Wellcare | HMO-POS D-SNP | $0 | $700 | $9,850 | 3 |
| PriorityMedicare D-SNP (HMO D-SNP) Priority Health Medicare | HMO D-SNP | $0.20 | $700 | $9,850 | 3.5 |
| Molina Medicare Complete Care (HMO D-SNP) Molina Healthcare of Michigan | HMO D-SNP | $0.90 | $700 | $9,850 | 3 |
| HAP Medicare Complete Assist (PPO D-SNP) Health Alliance Plan by Henry Ford Health | PPO D-SNP | $6.30 | $700 | $9,850 | 4 |
| HAP Medicare Complete Duals (HMO D-SNP) Health Alliance Plan by Henry Ford Health | HMO D-SNP | $6.30 | $700 | $9,850 | 4 |
| HAP Medicare Diabetes and Heart (HMO C-SNP) Health Alliance Plan by Henry Ford Health | HMO C-SNP | $6.30 | $700 | $9,850 | 4 |
| Longevity Health Plan (HMO I-SNP) Longevity Health Plan | HMO I-SNP | $6.30 | $700 | $9,850 | — |
Stand-alone Part D drug plans in Michigan →
Star ratings for 2027 are published by CMS in October; the stars shown are the contract's 2026 overall rating. We are not connected with or endorsed by the U.S. government or the federal Medicare program, and we do not sell plans. We do not list plan benefits in full; confirm costs and coverage with the plan, Medicare.gov or 1-800-MEDICARE (TTY 1-877-486-2048) before you enroll. Source: CMS Medicare Advantage and Part D Landscape, 2027 (2026-09 release).