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MI St. Clair County 2027 年 Medicare Advantage 计划
2027 年，来自 9 家公司的 64 个 Medicare Advantage 计划在 St. Clair County 可用。每月保费为 $0 的计划（不含特殊需求计划）：31。网络内最低自付上限：$4,000。
2027 年的开放注册期为 2026 10月15日至12月7日；保障于 2027 1月1日生效。
含药品保障的计划 (45)
| 计划 | 类型 | 每月保费 | 药品免赔额 | 自付上限（网络内） | 去年的星级评分 |
|---|---|---|---|---|---|
| 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 | 4.5 |
| Humana Full Access (PPO) Humana | PPO | $0 | $600 | $5,200 | 3.5 |
| 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 | 3.5 |
| Humana Full Access Giveback (PPO) Humana | PPO | $0 | $150 | $9,850 | 4.5 |
| 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 | $6.3 | $500 | $5,600 | 4 |
| PriorityMedicare Align (HMO-POS) Priority Health Medicare | HMO-POS | $6.3 | $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 | $35.8 | $400 | $7,150 | 4.5 |
| BCN Advantage Prime Value (HMO-POS) Blue Care Network | HMO-POS | $39.3 | $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 | $217.5 | $100 | $4,000 | 4.5 |
| BCN Advantage Prestige (HMO-POS) Blue Care Network | HMO-POS | $241 | $100 | $4,400 | 4.5 |
不含药品保障的计划 (6)
| 计划 | 类型 | 每月保费 | 自付上限（网络内） | 去年的星级评分 |
|---|---|---|---|---|
| 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 | 4.5 |
| Humana USAA Honor Giveback (PPO) Humana | PPO | $0 | $6,550 | 3.5 |
| HumanaChoice R0110-013 (Regional PPO) Humana | Regional PPO | $0 | $6,550 | 3.5 |
特殊需求计划 (13)
特殊需求计划仅适用于同时拥有 Medicaid (D-SNP)、患有特定慢性病 (C-SNP) 或居住在疗养院等机构 (I-SNP) 的人群。
| 计划 | 类型 | 每月保费 | 药品免赔额 | 自付上限（网络内） | 去年的星级评分 |
|---|---|---|---|---|---|
| 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 | $0.2 | $700 | $9,850 | 3.5 |
| Molina Medicare Complete Care (HMO D-SNP) Molina Healthcare of Michigan | HMO D-SNP | $0.9 | $700 | $9,850 | 3 |
| HAP Medicare Complete Assist (PPO D-SNP) Health Alliance Plan by Henry Ford Health | PPO D-SNP | $6.3 | $700 | $9,850 | 4 |
| HAP Medicare Complete Duals (HMO D-SNP) Health Alliance Plan by Henry Ford Health | HMO D-SNP | $6.3 | $700 | $9,850 | 4 |
| HAP Medicare Diabetes and Heart (HMO C-SNP) Health Alliance Plan by Henry Ford Health | HMO C-SNP | $6.3 | $700 | $9,850 | 4 |
| Longevity Health Plan (HMO I-SNP) Longevity Health Plan | HMO I-SNP | $6.3 | $700 | $9,850 | — |
CMS 于十月发布 2027 年的星级评分；显示的星级为该计划的 2026 综合评级。 我们与美国政府或联邦医疗保险计划无关联，也未获其认可，且不销售保险计划。我们不会完整列出计划福利；请在注册前向计划提供方、Medicare.gov 或拨打 1-800-MEDICARE（TTY 1-877-486-2048）确认费用和覆盖范围。 来源：CMS Medicare Advantage 和 Part D 概况，2027（2026-10 版本）。