Medicare Advantage plans in St. Joseph County, MI: what changed for 2027
For 2027, St. Joseph County in Michigan has 32 Medicare Advantage plans that include drug coverage, compared with 32 in 2026, according to the CMS plan landscape files.
Advantage plans with drug coverage32no change
Advantage plans without drug coverage6no change
Special Needs Plans7+1 from 2026
$0 premium plans with drug coverage15+1 from 2026
Median out-of-pocket limit$6,7752026: $5,675
Plans rated 4 stars or more25+6 from 2026
8 Advantage plan IDs (not counting Special Needs or Cost plans) listed here for 2026 are not in the 2027 file and 8 plan IDs are new. Some of these are the same plan renamed or merged, so check the Annual Notice of Change from your plan.
How many people here are in Medicare Advantage
In October 2026, 8,323 of the 14,480 people eligible for Medicare in St. Joseph County were enrolled in a Medicare Advantage or other Medicare health plan, 57.5%. A year earlier it was 8,141 of 14,189 (57.4%).
CMS counts enrollees in all Medicare health plans, including Advantage, cost and PACE plans, by the county where they live.
Before you choose a plan
Compare plans for your ZIP code, drugs and doctors on the official Medicare Plan Finder, or call 1-800-MEDICARE (1-800-633-4227). Free, unbiased counselling is available from your State Health Insurance Assistance Program at shiphelp.org.
Advantage plans with drug coverage for 2027 (32)
| Plan | Company | Type | Monthly premium | In-network out-of-pocket limit | Star rating |
|---|---|---|---|---|---|
| AARP Medicare Advantage from UHC MI-0001 (PPO) | UnitedHealthcare | PPO | $0 | $7,150 | 3 of 5 |
| AARP Medicare Advantage from UHC MI-4 (HMO-POS) | UnitedHealthcare | HMO-POS | $0 | $5,900 | Plan Too New To Be Measured |
| Humana Full Access (PPO) | Humana | PPO | $0 | $5,200 | 4 of 5 |
| Humana Full Access (PPO) | Humana | PPO | $0 | $5,200 | 4.5 of 5 |
| Humana Full Access Giveback (PPO) | Humana | PPO | $0 | $9,850 | 4 of 5 |
| Humana Full Access Giveback (PPO) | Humana | PPO | $0 | $9,850 | 4.5 of 5 |
| Humana Value Plus H5216-382 (PPO) | Humana | PPO | $0 | $9,850 | 4 of 5 |
| Medicare Plus Blue Giveback (PPO) | Blue Cross Blue Shield of Michigan | PPO | $0 | $9,250 | 4.5 of 5 |
| Medicare Plus Blue Secure (PPO) | Blue Cross Blue Shield of Michigan | PPO | $0 | $7,000 | 4.5 of 5 |
| PriorityMedicare Edge (PPO) | Priority Health Medicare | PPO | $0 | $7,100 | 4 of 5 |
| PriorityMedicare Key (HMO-POS) | Priority Health Medicare | HMO-POS | $0 | $6,950 | 4.5 of 5 |
| PriorityMedicare Thrive (PPO) | Priority Health Medicare | PPO | $0 | $7,150 | 4 of 5 |
| Wellcare Assist (HMO-POS) | Wellcare | HMO-POS | $0 | $7,100 | 3 of 5 |
| Wellcare Giveback (HMO-POS) | Wellcare | HMO-POS | $0 | $9,850 | 3 of 5 |
| Wellcare Simple (HMO-POS) | Wellcare | HMO-POS | $0 | $7,100 | 3 of 5 |
| PriorityMedicare Align (HMO-POS) | Priority Health Medicare | HMO-POS | $6.30 | $6,800 | 4.5 of 5 |
| Medicare Plus Blue Essential (PPO) | Blue Cross Blue Shield of Michigan | PPO | $38.20 | $7,150 | 4.5 of 5 |
| BCN Advantage Prime Value (HMO-POS) | Blue Care Network | HMO-POS | $41.00 | $6,000 | 4.5 of 5 |
| Humana Full Access (PPO) | Humana | PPO | $41.00 | $4,800 | 4 of 5 |
| Medicare Plus Blue + Meijer (PPO) | Blue Cross Blue Shield of Michigan | PPO | $45.00 | $6,750 | 4.5 of 5 |
| Humana Gold Choice H8145-006 (PFFS) | Humana | PFFS | $60.00 | $7,800 | 4 of 5 |
| PriorityMedicare Thrive Plus (PPO) | Priority Health Medicare | PPO | $68.00 | $6,600 | 4 of 5 |
| AARP Medicare Advantage from UHC MI-0002 (PPO) | UnitedHealthcare | PPO | $70.00 | $5,900 | 3 of 5 |
| PriorityMedicare Value (HMO-POS) | Priority Health Medicare | HMO-POS | $80.00 | $6,000 | 4.5 of 5 |
| Humana Full Access R0110-014 (Regional PPO) | Humana | Regional PPO | $89.00 | $7,050 | 3.5 of 5 |
| Medicare Plus Blue Vitality (PPO) | Blue Cross Blue Shield of Michigan | PPO | $101.80 | $5,000 | 4.5 of 5 |
| BCN Advantage Classic (HMO-POS) | Blue Care Network | HMO-POS | $127.00 | $4,800 | 4.5 of 5 |
| Medicare Plus Blue Signature (PPO) | Blue Cross Blue Shield of Michigan | PPO | $131.00 | $4,300 | 4.5 of 5 |
| PriorityMedicare (HMO-POS) | Priority Health Medicare | HMO-POS | $131.00 | $5,100 | 4.5 of 5 |
| PriorityMedicare Merit (PPO) | Priority Health Medicare | PPO | $163.00 | $5,000 | 4 of 5 |
| Medicare Plus Blue Assure (PPO) | Blue Cross Blue Shield of Michigan | PPO | $255.40 | $4,000 | 4.5 of 5 |
| BCN Advantage Prestige (HMO-POS) | Blue Care Network | HMO-POS | $256.00 | $4,400 | 4.5 of 5 |
Advantage plans without drug coverage for 2027 (6)
| Plan | Company | Type | Monthly premium | In-network out-of-pocket limit | Star rating |
|---|---|---|---|---|---|
| AARP Medicare Advantage Patriot No Rx MI-MA01 (PPO) | UnitedHealthcare | PPO | Not listed | $6,700 | 3 of 5 |
| AARP Medicare Advantage Patriot No Rx MI-MA2 (HMO-POS) | UnitedHealthcare | HMO-POS | Not listed | $6,700 | Plan Too New To Be Measured |
| BCN Advantage Elements (HMO-POS) | Blue Care Network | HMO-POS | Not listed | $4,500 | 4.5 of 5 |
| Humana USAA Honor Giveback (PPO) | Humana | PPO | Not listed | $6,550 | 4 of 5 |
| Humana USAA Honor Giveback (PPO) | Humana | PPO | Not listed | $6,550 | 4.5 of 5 |
| HumanaChoice R0110-013 (Regional PPO) | Humana | Regional PPO | Not listed | $6,550 | 3.5 of 5 |
Special Needs Plans for 2027 (7)
| Plan | Company | Type | Monthly premium | In-network out-of-pocket limit | Star rating |
|---|---|---|---|---|---|
| Aetna Medicare HIDE (HMO D-SNP) | Aetna Medicare HIDE | HMO D-SNP · Dual-Eligible | $0 | $9,850 | Plan Too New To Be Measured |
| HumanaChoice - Diabetes and Heart (PPO C-SNP) | Humana | PPO C-SNP · Chronic or Disabling Condition | $0 | $6,950 | 4 of 5 |
| UHC Complete Care MI-5 (HMO-POS C-SNP) | UnitedHealthcare | HMO-POS C-SNP · Chronic or Disabling Condition | $0 | $5,900 | Plan Too New To Be Measured |
| UHC Complete Care Support MI-3 (PPO C-SNP) | UnitedHealthcare | PPO C-SNP · Chronic or Disabling Condition | $0 | $7,150 | 3 of 5 |
| UHC Dual Complete MI-Y1 (HMO D-SNP) | UnitedHealthcare | HMO D-SNP · Dual-Eligible | $0 | $9,850 | 3 of 5 |
| Wellcare Meridian Dual Align (HMO D-SNP) | Wellcare | HMO D-SNP · Dual-Eligible | $0 | $9,850 | Plan Too New To Be Measured |
| PriorityMedicare Dual Premier (HMO D-SNP) | Priority Health Medicare | HMO D-SNP · Dual-Eligible | $6.30 | $9,850 | 3.5 of 5 |
Stand-alone Part D drug plans are offered statewide: see Michigan drug plans.
Sources
- Centers for Medicare & Medicaid Services, CY2027 Medicare Advantage and Part D Landscape file (data last updated 18 October 2026)
- Centers for Medicare & Medicaid Services, CY2026 Medicare Advantage and Part D Landscape file (September 2026 release)
- Centers for Medicare & Medicaid Services, MA State/County Penetration files, October 2026 and October 2025
Checked 29 October 2026. Plans and premiums can change before 1 January 2027. Confirm any plan on Medicare.gov before you enrol.