Ranked by math. Plans ranked on yearly cost from official federal and state data · ads and any paid links never change the order · not a broker; we don’t enroll you · how we’re funded →
2027 plans · CMS data · Ranked by math
Best Medicare Advantage Plans in Oakland County, MI for 2027
Every general-audience Medicare Advantage plan with drug coverage sold in Oakland County, ranked by what it could cost you in a bad year: 12 months of premiums, less any Part B giveback, plus the in-network out-of-pocket maximum.
55plans with drug coverage (73 in 2026)
32with a $0 premium (44 in 2026)
$4,400lowest worst-case year
7with a Part B giveback
Oakland County plans, ranked
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Humana Gold Plus H8908-004 (HMO-POS)Humana · HMO-POS11 of 83 counties · drug deductible $700Dental up to $2,500/yr · eyewear $400/yr | $0 | $4,400 | $4,400 | 3.5★ |
| 2 | Aetna Medicare Signature Extra (PPO)Aetna Medicare · PPO13 of 83 counties · drug deductible $500Dental up to $2,000/yr · eyewear $175/yr · hearing aids $1,000/yr per ear · OTC items $240/yr | $0 | $4,900 | $4,900 | 4★ |
| 3 | Henry Ford Select (HMO)Health Alliance Plan by Henry Ford Health · HMO7 of 83 counties · drug deductible $200Dental up to $1,500/yr · eyewear $150/yr · OTC items $120/yr | $0 | $4,950 | $4,950 | 4★ |
| 4 | Aetna Medicare Signature (PPO)Aetna Medicare · PPO13 of 83 counties · drug deductible $400Dental up to $2,500/yr · eyewear $175/yr · hearing aids $1,500/yr per ear · OTC items $300/yr | $0 | $5,200 | $5,200 | 4★ |
| 5 | Humana Full Access (PPO)Humana · PPO61 of 83 counties · drug deductible $600Dental up to $1,500/yr · eyewear $100/yr | $0 | $5,200 | $5,200 | 4★ |
| 6 | Humana Full Access (PPO)Humana · PPO53 of 83 counties · drug deductible $600Dental up to $1,500/yr · eyewear $100/yr | $0 | $5,200 | $5,200 | 4.5★ |
| 7 | Humana Full Access (PPO)Humana · PPO74 of 83 counties · drug deductible $450Dental up to $3,000/yr · eyewear $300/yr | $41 | $4,800 | $5,292 | 4★ |
| 8 | BCN Advantage ConnectedCare (HMO)Blue Care Network · HMO11 of 83 counties · drug deductible $100Dental up to $1,500/yr · eyewear $100/yr · OTC items $100/yr | $50 | $4,800 | $5,400 | 4.5★ |
| 9 | HAP Medicare Connect (HMO)Health Alliance Plan by Henry Ford Health · HMO61 of 83 counties · drug deductible $200Dental up to $1,500/yr · eyewear $150/yr | $0 | $5,600 | $5,600 | 4★ |
| 10 | HAP Member Assist (PPO)Health Alliance Plan by Henry Ford Health · PPO60 of 83 counties · drug deductible $500Dental up to $1,500/yr · eyewear $150/yr · OTC items $260/yr | $6.30 | $5,600 | $5,676 | 3.5★ |
| 11 | HAP Medicare Superior (HMO)Health Alliance Plan by Henry Ford Health · HMO61 of 83 counties · drug deductible $200Dental up to $1,500/yr · eyewear $150/yr | $0 | $5,800 | $5,800 | 4★ |
| 12 | HAP Senior Plus Henry Ford Tiered Access (HMO)Health Alliance Plan by Henry Ford Health · HMO7 of 83 counties · drug deductible $0Dental up to $1,500/yr · eyewear $150/yr · OTC items $80/yr | $95 | $4,750 | $5,890 | 4★ |
| 13 | AARP Medicare Advantage from UHC MI-4 (HMO-POS)UnitedHealthcare · HMO-POS48 of 83 counties · drug deductible $685Dental up to $1,500/yr · eyewear $100/yr · hearing aids $700/yr | $0 | $5,900 | $5,900 | Too new to rate |
| 14 | Aetna Medicare Value Care (PPO)Aetna Medicare · PPO13 of 83 counties · drug deductible $400Dental up to $2,750/yr · eyewear $250/yr · hearing aids $1,250/yr per ear · OTC items $400/yr | $0 | $5,900 | $5,900 | 4★ |
| 15 | McLaren Medicare Inspire Giveback (HMO)McLaren Medicare · HMO57 of 83 counties · drug deductible $615Part B giveback $70/mo · Dental up to $1,500/yr | $0−$70 Part B giveback | $6,750 | $5,910 | 3★ |
| 16 | HAP Senior Plus (HMO-POS)Health Alliance Plan by Henry Ford Health · HMO-POS61 of 83 counties · drug deductible $0Dental up to $1,500/yr · eyewear $150/yr · OTC items $300/yr | $105 | $4,650 | $5,910 | 4★ |
| 17 | HAP Medicare Explore (PPO)Health Alliance Plan by Henry Ford Health · PPO60 of 83 counties · drug deductible $400Dental up to $1,500/yr · eyewear $150/yr | $0 | $6,050 | $6,050 | 3.5★ |
| 18 | McLaren Medicare Inspire Plus (HMO)McLaren Medicare · HMO57 of 83 counties · drug deductible $500Dental up to $1,500/yr | $20 | $5,900 | $6,140 | 3★ |
| 19 | Medicare Plus Blue Signature (PPO)Blue Cross Blue Shield of Michigan · PPO4 of 83 counties · drug deductible $200Dental up to $1,500/yr · eyewear $150/yr · OTC items $200/yr | $158 | $4,300 | $6,196 | 4.5★ |
| 20 | PriorityMedicare (HMO-POS)Priority Health Medicare · HMO-POS15 of 83 counties · drug deductible $0Dental · eyewear $100/yr | $97 | $5,100 | $6,264 | 4.5★ |
| 21 | Medicare Plus Blue Vitality (PPO)Blue Cross Blue Shield of Michigan · PPO4 of 83 counties · drug deductible $250Dental up to $1,500/yr · eyewear $150/yr · OTC items $160/yr | $111 | $5,000 | $6,332 | 4.5★ |
| 22 | HAP Medicare Prime (PPO)Health Alliance Plan by Henry Ford Health · PPO60 of 83 counties · drug deductible $400Dental up to $1,500/yr · eyewear $150/yr | $0 | $6,400 | $6,400 | 3.5★ |
| 23 | HAP Senior Plus (PPO)Health Alliance Plan by Henry Ford Health · PPO60 of 83 counties · drug deductible $0Dental up to $1,500/yr · eyewear $150/yr · OTC items $180/yr | $165 | $4,450 | $6,430 | 3.5★ |
| 24 | Zing Open Choice MI (PPO)Zing Health · PPO9 of 83 counties · drug deductible $450Dental up to $1,500/yr · eyewear $200/yr · hearing aids $250/yr per ear · OTC items $360/yr | $0 | $6,450 | $6,450 | 3.5★ |
| 25 | Trinity Health Plan of Michigan No Premium (HMO)Trinity Health Plan of Michigan · HMO25 of 83 counties · drug deductible $350Dental up to $1,000/yr · eyewear $150/yr · OTC items $100/yr | $0 | $6,500 | $6,500 | 3★ |
| 26 | BCN Advantage Prime Value (HMO-POS)Blue Care Network · HMO-POS4 of 83 counties · drug deductible $600Dental up to $950/yr | $48 | $6,000 | $6,576 | 4.5★ |
| 27 | McLaren Medicare Inspire (HMO)McLaren Medicare · HMO57 of 83 counties · drug deductible $615Dental up to $1,500/yr | $0 | $6,600 | $6,600 | 3★ |
| 28 | PriorityMedicare Merit (PPO)Priority Health Medicare · PPO15 of 83 counties · drug deductible $0Dental · eyewear $100/yr | $141 | $5,000 | $6,692 | 4★ |
| 29 | BCN Advantage Classic (HMO-POS)Blue Care Network · HMO-POS4 of 83 counties · drug deductible $200Dental up to $1,500/yr · eyewear $100/yr · OTC items $120/yr | $158 | $4,800 | $6,696 | 4.5★ |
| 30 | Trinity Health Plan of Michigan Plus (HMO)Trinity Health Plan of Michigan · HMO25 of 83 counties · drug deductible $250Dental up to $1,000/yr · eyewear $150/yr · OTC items $200/yr | $69 | $5,900 | $6,728 | 3★ |
| 31 | AARP Medicare Advantage from UHC MI-0002 (PPO)UnitedHealthcare · PPO51 of 83 counties · drug deductible $685Dental up to $1,000/yr · eyewear $100/yr · hearing aids $700/yr | $70 | $5,900 | $6,740 | 3★ |
| 32 | Aetna Medicare Signature (HMO-POS)Aetna Medicare · HMO-POS15 of 83 counties · drug deductible $500Dental up to $1,000/yr · eyewear $100/yr · hearing aids $500/yr per ear · OTC items $60/yr | $0 | $6,750 | $6,750 | 3.5★ |
| 33 | Zing Elite Select MI (HMO)Zing Health · HMO3 of 83 counties · drug deductible $350Dental up to $2,000/yr · eyewear $300/yr · hearing aids $250/yr per ear · OTC items $500/yr | $0 | $6,750 | $6,750 | 3.5★ |
| 34 | Zing Select Care MI (HMO)Zing Health · HMO9 of 83 counties · drug deductible $500Dental up to $2,000/yr · eyewear $250/yr · hearing aids $250/yr per ear · OTC items $320/yr | $0 | $6,750 | $6,750 | 3.5★ |
| 35 | PriorityMedicare Align (HMO-POS)Priority Health Medicare · HMO-POS12 of 83 counties · drug deductible $700Dental · eyewear $100/yr | $6.30 | $6,800 | $6,876 | 4.5★ |
| 36 | PriorityMedicare Value (HMO-POS)Priority Health Medicare · HMO-POS15 of 83 counties · drug deductible $225Dental · eyewear $100/yr | $74 | $6,000 | $6,888 | 4.5★ |
| 37 | PriorityMedicare Key (HMO-POS)Priority Health Medicare · HMO-POS12 of 83 counties · drug deductible $300Dental · eyewear $100/yr | $0 | $6,950 | $6,950 | 4.5★ |
| 38 | Medicare Plus Blue Secure (PPO)Blue Cross Blue Shield of Michigan · PPO27 of 83 counties · drug deductible $435Dental up to $1,000/yr · eyewear $100/yr · OTC items $100/yr | $0 | $7,000 | $7,000 | 4.5★ |
| 39 | PriorityMedicare Edge (PPO)Priority Health Medicare · PPO12 of 83 counties · drug deductible $300Dental · eyewear $100/yr | $0 | $7,100 | $7,100 | 4★ |
| 40 | Wellcare Assist (HMO-POS)Wellcare · HMO-POS48 of 83 counties · drug deductible $700Dental up to $2,000/yr · eyewear $100/yr | $0 | $7,100 | $7,100 | 3★ |
| 41 | Wellcare Simple (HMO-POS)Wellcare · HMO-POS48 of 83 counties · drug deductible $700Dental up to $1,500/yr · eyewear $100/yr · hearing aids $750/yr per ear | $0 | $7,100 | $7,100 | 3★ |
| 42 | AARP Medicare Advantage from UHC MI-0001 (PPO)UnitedHealthcare · PPO51 of 83 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $0 | $7,150 | $7,150 | 3★ |
| 43 | PriorityMedicare Thrive (PPO)Priority Health Medicare · PPO12 of 83 counties · drug deductible $400Dental · eyewear $100/yr | $0 | $7,150 | $7,150 | 4★ |
| 44 | Medicare Plus Blue + Meijer (PPO)Blue Cross Blue Shield of Michigan · PPO25 of 83 counties · drug deductible $400Dental up to $1,000/yr · eyewear $100/yr · OTC items $300/yr | $45 | $6,750 | $7,290 | 4.5★ |
| 45 | PriorityMedicare Thrive Plus (PPO)Priority Health Medicare · PPO12 of 83 counties · drug deductible $225Dental · eyewear $100/yr | $67 | $6,600 | $7,404 | 4★ |
| 46 | Medicare Plus Blue Essential (PPO)Blue Cross Blue Shield of Michigan · PPO4 of 83 counties · drug deductible $400Dental up to $950/yr | $40 | $7,150 | $7,630 | 4.5★ |
| 47 | Medicare Plus Blue Assure (PPO)Blue Cross Blue Shield of Michigan · PPO4 of 83 counties · drug deductible $100Dental up to $1,500/yr · eyewear $150/yr · OTC items $200/yr | $305.60 | $4,000 | $7,667 | 4.5★ |
| 48 | BCN Advantage Prestige (HMO-POS)Blue Care Network · HMO-POS4 of 83 counties · drug deductible $100Dental up to $1,500/yr · eyewear $150/yr · OTC items $200/yr | $282 | $4,400 | $7,784 | 4.5★ |
| 49 | Trinity Health Plan of Michigan Cash Back (HMO)Trinity Health Plan of Michigan · HMO25 of 83 counties · drug deductible $375Part B giveback $145/mo · Preventive dental up to $1,000/yr · eyewear $100/yr · OTC items $100/yr | $0−$145 Part B giveback | $9,850 | $8,110 | 3★ |
| 50 | Humana Full Access R0110-014 (Regional PPO)Humana · Regional PPOAll 83 counties · drug deductible $700Dental up to $2,000/yr · eyewear $100/yr | $89 | $7,050 | $8,118 | 3.5★ |
| 51 | PriorityMedicare Smart Savings (HMO-POS)Priority Health Medicare · HMO-POS15 of 83 counties · drug deductible $700Part B giveback $116/mo · Dental · eyewear $100/yr | $0−$116 Part B giveback | $9,850 | $8,458 | 4.5★ |
| 52 | Medicare Plus Blue Giveback (PPO)Blue Cross Blue Shield of Michigan · PPO27 of 83 counties · drug deductible $600Part B giveback $50/mo · Preventive dental | $0−$50 Part B giveback | $9,250 | $8,650 | 4.5★ |
| 53 | Humana Full Access Giveback (PPO)Humana · PPO73 of 83 counties · drug deductible $150Part B giveback $99/mo · Dental up to $1,000/yr · eyewear $100/yr | $0−$99 Part B giveback | $9,850 | $8,662 | 4.5★ |
| 54 | Humana Full Access Giveback (PPO)Humana · PPO45 of 83 counties · drug deductible $150Part B giveback $99/mo · Dental up to $1,000/yr · eyewear $100/yr | $0−$99 Part B giveback | $9,850 | $8,662 | 4★ |
| 55 | Wellcare Giveback (HMO-POS)Wellcare · HMO-POS48 of 83 counties · drug deductible $700Part B giveback $81.50/mo · Dental · eyewear $100/yr | $0−$81.50 Part B giveback | $9,850 | $8,872 | 3★ |
Worst-case year = 12 × (monthly plan premium − any Part B giveback) + in-network maximum out-of-pocket. The giveback is money back on the Part B premium ($202.90 a month in 2026), which is otherwise the same for everyone, so a large one can push the worst-case year below $0; drug costs are capped separately at $2,400 in 2027. Other extras are the yearly maximums each plan filed with CMS and don’t change the order. Methodology
What changed since 2026
- Plans with drug coverage: 73 in 2026, 64 in 2027.
- $0-premium plans: 44 in 2026, 41 in 2027.
- Median in-network out-of-pocket maximum: $5,400 in 2026, $6,225 in 2027.
- 82,941 people here were in a general-audience Advantage plan in October 2026; 2,437 of them are in a plan that ends or leaves the county for 2027 and must choose again.
From our 2026 vs. 2027 Medicare Advantage study (CMS landscape, enrollment and crosswalk files).
Before you enroll, check that your doctors are in the plan’s network and how it covers your drugs in the Medicare Plan Finder. Weighing Advantage against Original Medicare with a Medigap plan? Run the county calculator.
Also sold here without drug coverage: HAP Medicare MedicalAccess (HMO), BCN Advantage Elements (HMO-POS), Aetna Medicare Eagle (PPO), AARP Medicare Advantage Patriot No Rx MI-MA2 (HMO-POS), Humana USAA Honor Giveback (PPO), Humana USAA Honor Giveback (PPO), AARP Medicare Advantage Patriot No Rx MI-MA01 (PPO), Trinity Health Plan of Michigan Glory No RX (HMO), HumanaChoice R0110-013 (Regional PPO).
Questions
How many Medicare Advantage plans are in Oakland County for 2027?
55 general-audience plans with drug coverage, 32 of them with a $0 monthly premium, compared with 73 plans and 44 $0-premium plans in 2026. Special Needs Plans aren't counted.
Which plan has the lowest worst-case cost in Oakland County?
Humana Gold Plus H8908-004 (HMO-POS) from Humana: $0 a month with an in-network out-of-pocket maximum of $4,400, so at most about $4,400 for the year in premiums and in-network costs.
Do any Oakland County plans have a Part B giveback?
7 do. The largest is $145 a month off your Part B premium, from Trinity Health Plan of Michigan Cash Back (HMO).
How many Oakland County plans have 4 or more stars?
33 of 55, based on CMS's 2027 ratings of the contract behind each plan.
Sources
- CMS, CY 2027 Medicare Advantage and Prescription Drug Plan Landscape (CY2027_Landscape_202609.csv), from cms.gov; extra benefits (Part B giveback, dental, eyewear, hearing aids, over-the-counter allowance) from the CMS CY 2027 Plan Benefit Package files, cms.gov, yearly amounts as each plan filed them; star ratings from the CMS 2027 Star Ratings Data Tables (October 8, 2026), cms.gov. Ratings are per contract, so plans under the same contract share one rating. General-audience plans only: Special Needs Plans, Cost plans and employer group plans are not ranked.
- County population: 2020 Census, via the USDA Rural-Urban Continuum Codes (2023).
Educational information, not a recommendation to join any plan. We are not an insurance agent or broker, and we are not connected with or endorsed by the U.S. government or the federal Medicare program. · Advertiser disclosure
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