McLaren Medicare Inspire (HMO)

Costs

Monthly plan premium

$0

Health premium (Part C)

$0

Drug premium (Part D)

$0

In-network out-of-pocket maximum

$6,600

Annual drug deductible

$615

Drug benefit

Enhanced

Drug coverage included

Yes

You also keep paying your Medicare Part B premium. Copays, coinsurance and which doctors and pharmacies are in network vary by plan. Check the plan's Evidence of Coverage.

Changes from 2026

• Out-of-pocket maximum changed from $6,300 to $6,600.

Where this plan is offered

• Allegan County, MI
• Antrim County, MI
• Arenac County, MI
• Barry County, MI
• Bay County, MI
• Benzie County, MI
• Berrien County, MI
• Branch County, MI
• Calhoun County, MI
• Cass County, MI
• Charlevoix County, MI
• Cheboygan County, MI
• Clare County, MI
• Clinton County, MI
• Crawford County, MI
• Eaton County, MI
• Emmet County, MI
• Genesee County, MI
• Gladwin County, MI
• Grand Traverse County, MI
• Gratiot County, MI
• Hillsdale County, MI
• Huron County, MI
• Ingham County, MI
• Ionia County, MI
• Iosco County, MI
• Jackson County, MI
• Kalkaska County, MI
• Kent County, MI
• Lake County, MI
• Lapeer County, MI
• Leelanau County, MI
• Livingston County, MI
• Macomb County, MI
• Manistee County, MI
• Mecosta County, MI
• Midland County, MI
• Missaukee County, MI
• Montcalm County, MI
• Montmorency County, MI
• Newaygo County, MI
• Oakland County, MI
• Ogemaw County, MI
• Osceola County, MI
• Oscoda County, MI
• Otsego County, MI
• Ottawa County, MI
• Roscommon County, MI
• Saginaw County, MI
• Sanilac County, MI
• Shiawassee County, MI
• St. Clair County, MI
• Tuscola County, MI
• Van Buren County, MI
• Washtenaw County, MI
• Wayne County, MI
• Wexford County, MI