2027 plan year · Michigan
2027 Medicare Advantage plans in Berrien County, MI
48 plans from 8 insurers for 2027. 22 general plans have a $0 monthly premium. The lowest in-network out-of-pocket limit is $4,000.
- 42general plans
- 22$0-premium plans
- $4,000lowest out-of-pocket max
- 4.5 ★top star rating
- 6Special Needs Plans
2027 Medicare Advantage plans in Berrien 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 |
| Humana Full Access (PPO) Humana · PPO · includes drug coverage | $0 | $5,200 | $600 | ★★★★★4.5 |
| Humana USAA Honor Giveback (PPO) Humana · PPO · no drug coverage | $0 | $6,550 | — | ★★★★★4.5 |
| PriorityMedicare Key (HMO-POS) Priority Health Medicare · HMO-POS · includes drug coverage | $0 | $6,950 | $300 | ★★★★★4.5 |
| Medicare Plus Blue Secure (PPO) Blue Cross Blue Shield of Michigan · PPO · includes drug coverage | $0 | $7,000 | $435 | ★★★★★4.5 |
| Medicare Plus Blue Giveback (PPO) Blue Cross Blue Shield of Michigan · PPO · includes drug coverage | $0 | $9,250 | $600 | ★★★★★4.5 |
| Humana Full Access Giveback (PPO) Humana · PPO · includes drug coverage | $0 | $9,850 | $150 | ★★★★★4.5 |
| PriorityMedicare Smart Savings (HMO-POS) Priority Health Medicare · HMO-POS · includes drug coverage | $0 | $9,850 | $700 | ★★★★★4.5 |
| PriorityMedicare Align (HMO-POS) Priority Health Medicare · HMO-POS · includes drug coverage | $6.30 | $6,800 | $700 | ★★★★★4.5 |
| Medicare Plus Blue Essential (PPO) Blue Cross Blue Shield of Michigan · PPO · includes drug coverage | $38.20 | $7,150 | $400 | ★★★★★4.5 |
| BCN Advantage Prime Value (HMO-POS) Blue Care Network · HMO-POS · includes drug coverage | $41 | $6,000 | $600 | ★★★★★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 | $75 | $6,000 | $225 | ★★★★★4.5 |
| Medicare Plus Blue Vitality (PPO) Blue Cross Blue Shield of Michigan · PPO · includes drug coverage | $101.80 | $5,000 | $250 | ★★★★★4.5 |
| PriorityMedicare (HMO-POS) Priority Health Medicare · HMO-POS · includes drug coverage | $103 | $5,100 | $0 | ★★★★★4.5 |
| BCN Advantage Classic (HMO-POS) Blue Care Network · HMO-POS · includes drug coverage | $127 | $4,800 | $200 | ★★★★★4.5 |
| Medicare Plus Blue Signature (PPO) Blue Cross Blue Shield of Michigan · PPO · includes drug coverage | $131 | $4,300 | $200 | ★★★★★4.5 |
| Medicare Plus Blue Assure (PPO) Blue Cross Blue Shield of Michigan · PPO · includes drug coverage | $255.40 | $4,000 | $100 | ★★★★★4.5 |
| BCN Advantage Prestige (HMO-POS) Blue Care Network · HMO-POS · includes drug coverage | $256 | $4,400 | $100 | ★★★★★4.5 |
| HAP Medicare MedicalAccess (HMO) Health Alliance Plan by Henry Ford Health · HMO · no drug coverage | $0 | $4,500 | — | ★★★★★4 |
| Humana Full Access (PPO) Humana · PPO · includes drug coverage | $0 | $5,200 | $600 | ★★★★★4 |
| HAP Medicare Connect (HMO) Health Alliance Plan by Henry Ford Health · HMO · includes drug coverage | $0 | $5,600 | $200 | ★★★★★4 |
| HAP Medicare Superior (HMO) Health Alliance Plan by Henry Ford Health · HMO · includes drug coverage | $0 | $5,800 | $200 | ★★★★★4 |
| Humana USAA Honor Giveback (PPO) Humana · PPO · no drug coverage | $0 | $6,550 | — | ★★★★★4 |
| PriorityMedicare Edge (PPO) Priority Health Medicare · PPO · includes drug coverage | $0 | $7,100 | $300 | ★★★★★4 |
| PriorityMedicare Thrive (PPO) Priority Health Medicare · PPO · includes drug coverage | $0 | $7,150 | $400 | ★★★★★4 |
| Humana Full Access Giveback (PPO) Humana · PPO · includes drug coverage | $0 | $9,850 | $150 | ★★★★★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 |
| Humana Gold Choice H8145-006 (PFFS) Humana · PFFS · includes drug coverage | $60 | $7,800 | $700 | ★★★★★4 |
| PriorityMedicare Thrive Plus (PPO) Priority Health Medicare · PPO · includes drug coverage | $68 | $6,600 | $225 | ★★★★★4 |
| HAP Senior Plus (HMO-POS) Health Alliance Plan by Henry Ford Health · HMO-POS · includes drug coverage | $105 | $4,650 | $0 | ★★★★★4 |
| PriorityMedicare Merit (PPO) Priority Health Medicare · PPO · includes drug coverage | $119 | $5,000 | $0 | ★★★★★4 |
| HAP Medicare Explore (PPO) Health Alliance Plan by Henry Ford Health · PPO · includes drug coverage | $0 | $6,050 | $400 | ★★★★★3.5 |
| HAP Medicare Prime (PPO) Health Alliance Plan by Henry Ford Health · PPO · includes drug coverage | $0 | $6,400 | $400 | ★★★★★3.5 |
| HumanaChoice R0110-013 (Regional PPO) Humana · Regional PPO · no drug coverage | $0 | $6,550 | — | ★★★★★3.5 |
| HAP Member Assist (PPO) Health Alliance Plan by Henry Ford Health · PPO · includes drug coverage | $6.30 | $5,600 | $500 | ★★★★★3.5 |
| Humana Full Access R0110-014 (Regional PPO) Humana · Regional PPO · includes drug coverage | $89 | $7,050 | $700 | ★★★★★3.5 |
| HAP Senior Plus (PPO) Health Alliance Plan by Henry Ford Health · PPO · includes drug coverage | $165 | $4,450 | $0 | ★★★★★3.5 |
| McLaren Medicare Inspire (HMO) McLaren Medicare · HMO · includes drug coverage | $0 | $6,600 | $615 | ★★★★★3 |
| McLaren Medicare Inspire Giveback (HMO) McLaren Medicare · HMO · includes drug coverage | $0 | $6,750 | $615 | ★★★★★3 |
| McLaren Medicare Inspire Plus (HMO) McLaren Medicare · HMO · includes drug coverage | $20 | $5,900 | $500 | ★★★★★3 |
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 |
|---|---|---|---|---|
| HumanaChoice - Diabetes and Heart (PPO C-SNP) Humana · PPO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $6,950 | $400 | ★★★★★4 |
| HAP Medicare Diabetes and Heart (HMO C-SNP) Health Alliance Plan by Henry Ford Health · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $6.30 | $9,850 | $700 | ★★★★★4 |
| PriorityMedicare Dual Premier (HMO D-SNP) Priority Health Medicare · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $6.30 | $9,850 | $700 | ★★★★★3.5 |
| UHC Dual Complete MI-Y1 (HMO D-SNP) UnitedHealthcare · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $450 | ★★★★★3 |
| Aetna Medicare HIDE (HMO D-SNP) Aetna Medicare HIDE · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $700 | Plan too new to be measured |
| Wellcare Meridian Dual Align (HMO D-SNP) Wellcare · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $700 | Plan too new to be measured |
What changed from 2026 to 2027
- 6 plans are new here for 2027.
- 9 plans offered here in 2026 aren't listed for 2027 (for example UHC Dual Complete MI-Y1 (HMO D-SNP), PriorityMedicare Vintage (HMO-POS), PriorityMedicare Vital (PPO)). If yours is one of them, the plan should send you a notice explaining your options.
- Of the 42 plans offered both years, 15 raised the monthly premium and 6 lowered it.
Compared by plan ID. Plans that were renamed or merged into another plan may appear as new or ended.
Care quality in Berrien 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 Berrien 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 Berrien County, MI for 2027?
48 plans from 8 insurers: 42 general plans open to anyone with Medicare Parts A and B who lives here, plus 6 Special Needs Plans for people who qualify.
Are there $0-premium Medicare Advantage plans in Berrien County, MI?
Yes. 22 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 Berrien 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 Berrien County, MI?
Medicare Plus Blue Assure (PPO) caps in-network out-of-pocket costs at $4,000 for 2027.