2027 plan year · Michigan
2027 Medicare Advantage plans in Alpena County, MI
23 plans from 5 insurers for 2027. 7 general plans have a $0 monthly premium. The lowest in-network out-of-pocket limit is $4,000.
- 18general plans
- 7$0-premium plans
- $4,000lowest out-of-pocket max
- 4.5 ★top star rating
- 5Special Needs Plans
2027 Medicare Advantage plans in Alpena County, MI
Sorted by Medicare star rating, then monthly premium and out-of-pocket limit. Premiums shown are the plan's own premium; you also keep paying your Part B premium.
| Plan | Monthly premium | Out-of-pocket max | Drug deductible | Star rating |
|---|---|---|---|---|
| BCN Advantage Elements (HMO-POS) Blue Care Network · HMO-POS · no drug coverage | $0 | $4,500 | — | ★★★★★4.5 |
| Medicare Plus Blue Value (PPO) Blue Cross Blue Shield of Michigan · PPO · includes drug coverage | $0 | $6,750 | $700 | ★★★★★4.5 |
| PriorityMedicare Latitude (HMO-POS) Priority Health Medicare · HMO-POS · includes drug coverage | $0 | $9,850 | $300 | ★★★★★4.5 |
| Medicare Plus Blue + Meijer (PPO) Blue Cross Blue Shield of Michigan · PPO · includes drug coverage | $45 | $6,750 | $400 | ★★★★★4.5 |
| PriorityMedicare Value (HMO-POS) Priority Health Medicare · HMO-POS · includes drug coverage | $80 | $6,000 | $225 | ★★★★★4.5 |
| Medicare Plus Blue Vitality (PPO) Blue Cross Blue Shield of Michigan · PPO · includes drug coverage | $100 | $5,000 | $250 | ★★★★★4.5 |
| PriorityMedicare (HMO-POS) Priority Health Medicare · HMO-POS · includes drug coverage | $131 | $5,100 | $0 | ★★★★★4.5 |
| BCN Advantage Classic (HMO-POS) Blue Care Network · HMO-POS · includes drug coverage | $138 | $4,800 | $200 | ★★★★★4.5 |
| Medicare Plus Blue Signature (PPO) Blue Cross Blue Shield of Michigan · PPO · includes drug coverage | $168 | $4,300 | $200 | ★★★★★4.5 |
| BCN Advantage Prestige (HMO-POS) Blue Care Network · HMO-POS · includes drug coverage | $248 | $4,400 | $100 | ★★★★★4.5 |
| Medicare Plus Blue Assure (PPO) Blue Cross Blue Shield of Michigan · PPO · includes drug coverage | $299.30 | $4,000 | $100 | ★★★★★4.5 |
| Humana Full Access (PPO) Humana · PPO · includes drug coverage | $0 | $5,200 | $600 | ★★★★★4 |
| Humana USAA Honor Giveback (PPO) Humana · PPO · no drug coverage | $0 | $6,550 | — | ★★★★★4 |
| Humana Value Plus H5216-382 (PPO) Humana · PPO · includes drug coverage | $0 | $9,850 | $0 | ★★★★★4 |
| Humana Full Access (PPO) Humana · PPO · includes drug coverage | $41 | $4,800 | $450 | ★★★★★4 |
| PriorityMedicare Merit (PPO) Priority Health Medicare · PPO · includes drug coverage | $163 | $5,000 | $0 | ★★★★★4 |
| HumanaChoice R0110-013 (Regional PPO) Humana · Regional PPO · no drug coverage | $0 | $6,550 | — | ★★★★★3.5 |
| Humana Full Access R0110-014 (Regional PPO) Humana · Regional PPO · includes drug coverage | $89 | $7,050 | $700 | ★★★★★3.5 |
Special Needs Plans (SNPs)
Only for people who qualify: Dual-Eligible plans need both Medicare and Medicaid, Chronic Condition plans need a qualifying condition, and Institutional plans are for nursing home residents.
| Plan | Monthly premium | Out-of-pocket max | Drug deductible | Star rating |
|---|---|---|---|---|
| UHC Dual Complete MI-S001 (PPO D-SNP) UnitedHealthcare · PPO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $6.30 | $9,850 | $700 | ★★★★★4.5 |
| HumanaChoice SNP-DE H5216-388 (PPO D-SNP) Humana · PPO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $0 | ★★★★★4 |
| Humana Dual Select H5216-385 (PPO D-SNP) Humana · PPO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $0 | ★★★★★4 |
| PriorityMedicare D-SNP (HMO D-SNP) Priority Health Medicare · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0.20 | $9,850 | $700 | ★★★★★3.5 |
| Molina Medicare Complete Care (HMO D-SNP) Molina Healthcare of Michigan · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0.90 | $9,850 | $700 | ★★★★★3.5 |
What changed from 2026 to 2027
- 3 plans are new here for 2027.
- 13 plans offered here in 2026 aren't listed for 2027 (for example UHC Dual Complete MI-S002 (HMO-POS D-SNP), UHC Dual Complete MI-V001 (HMO-POS D-SNP), UHC Dual Complete MI-S3 (HMO D-SNP)). If yours is one of them, the plan should send you a notice explaining your options.
- Of the 20 plans offered both years, 11 raised the monthly premium and 5 lowered it.
Compared by plan ID. Plans that were renamed or merged into another plan may appear as new or ended.
Care quality in Alpena County
Medicare Advantage plans use networks. Before choosing, check that the hospitals and nursing homes you'd want are in the plan's network, and how they're rated.
Other coverage options
- Stand-alone Part D drug plans in Michigan (for people with Original Medicare)
- Marketplace health plans in Alpena County (for people under 65 or not on Medicare)
- Medicare Advantage vs. Original Medicare
Frequently asked questions
How many Medicare Advantage plans are available in Alpena County, MI for 2027?
23 plans from 5 insurers: 18 general plans open to anyone with Medicare Parts A and B who lives here, plus 5 Special Needs Plans for people who qualify.
Are there $0-premium Medicare Advantage plans in Alpena County, MI?
Yes. 7 general plans have a $0 monthly plan premium for 2027. You still pay your Medicare Part B premium, and copays and coinsurance still apply.
What is the highest-rated Medicare Advantage plan in Alpena County, MI?
BCN Advantage Elements (HMO-POS) from Blue Care Network has the top Medicare star rating here (4.5 stars). Star ratings are given to the insurer's contract, so several plans can share one.
Which plan has the lowest out-of-pocket maximum in Alpena County, MI?
Medicare Plus Blue Assure (PPO) caps in-network out-of-pocket costs at $4,000 for 2027.