Best Medicare Advantage Plans in Saginaw County, MI for 2027
Every general-audience Medicare Advantage plan with drug coverage sold in Saginaw 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.
Saginaw County plans, ranked
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Aetna Medicare Signature (PPO)Aetna Medicare · PPO19 of 83 counties · drug deductible $400Dental up to $500/yr · eyewear $125/yr · hearing aids $500/yr per ear | $0 | $5,200 | $5,200 | 4★ |
| 2 | 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★ |
| 3 | 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★ |
| 4 | 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★ |
| 5 | 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★ |
| 6 | 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★ |
| 7 | 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★ |
| 8 | 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★ |
| 9 | 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 |
| 10 | 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★ |
| 11 | 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★ |
| 12 | 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★ |
| 13 | 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★ |
| 14 | Medicare Plus Blue Vitality (PPO)Blue Cross Blue Shield of Michigan · PPO29 of 83 counties · drug deductible $250Dental up to $1,500/yr · eyewear $150/yr · OTC items $160/yr | $100 | $5,000 | $6,200 | 4.5★ |
| 15 | PriorityMedicare (HMO-POS)Priority Health Medicare · HMO-POS15 of 83 counties · drug deductible $0Dental · eyewear $100/yr | $97 | $5,100 | $6,264 | 4.5★ |
| 16 | Medicare Plus Blue Signature (PPO)Blue Cross Blue Shield of Michigan · PPO29 of 83 counties · drug deductible $200Dental up to $1,500/yr · eyewear $150/yr · OTC items $200/yr | $168 | $4,300 | $6,316 | 4.5★ |
| 17 | Aetna Medicare Signature (HMO-POS)Aetna Medicare · HMO-POS19 of 83 counties · drug deductible $400Dental up to $1,000/yr · eyewear $100/yr · hearing aids $500/yr per ear · OTC items $60/yr | $0 | $6,350 | $6,350 | 3.5★ |
| 18 | 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★ |
| 19 | 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★ |
| 20 | BCN Advantage Classic (HMO-POS)Blue Care Network · HMO-POS24 of 83 counties · drug deductible $200Dental up to $1,500/yr · eyewear $100/yr · OTC items $120/yr | $138 | $4,800 | $6,456 | 4.5★ |
| 21 | McLaren Medicare Inspire (HMO)McLaren Medicare · HMO57 of 83 counties · drug deductible $615Dental up to $1,500/yr | $0 | $6,600 | $6,600 | 3★ |
| 22 | PriorityMedicare Merit (PPO)Priority Health Medicare · PPO15 of 83 counties · drug deductible $0Dental · eyewear $100/yr | $141 | $5,000 | $6,692 | 4★ |
| 23 | 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★ |
| 24 | Medicare Plus Blue Value (PPO)Blue Cross Blue Shield of Michigan · PPO56 of 83 counties · drug deductible $700Dental up to $1,500/yr · eyewear $100/yr · OTC items $100/yr | $0 | $6,750 | $6,750 | 4.5★ |
| 25 | 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★ |
| 26 | 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★ |
| 27 | 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★ |
| 28 | PriorityMedicare Edge (PPO)Priority Health Medicare · PPO12 of 83 counties · drug deductible $300Dental · eyewear $100/yr | $0 | $7,100 | $7,100 | 4★ |
| 29 | 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★ |
| 30 | 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★ |
| 31 | Medicare Plus Blue + Meijer (PPO)Blue Cross Blue Shield of Michigan · PPO20 of 83 counties · drug deductible $400Part B giveback $12.10/mo · Dental up to $1,000/yr · eyewear $100/yr · OTC items $300/yr | $45−$12.10 Part B giveback | $6,750 | $7,145 | 4.5★ |
| 32 | 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★ |
| 33 | PriorityMedicare Thrive (PPO)Priority Health Medicare · PPO12 of 83 counties · drug deductible $400Dental · eyewear $100/yr | $0 | $7,150 | $7,150 | 4★ |
| 34 | BCN Advantage Prestige (HMO-POS)Blue Care Network · HMO-POS24 of 83 counties · drug deductible $100Dental up to $1,500/yr · eyewear $150/yr · OTC items $200/yr | $248 | $4,400 | $7,376 | 4.5★ |
| 35 | PriorityMedicare Thrive Plus (PPO)Priority Health Medicare · PPO12 of 83 counties · drug deductible $225Dental · eyewear $100/yr | $67 | $6,600 | $7,404 | 4★ |
| 36 | Medicare Plus Blue Assure (PPO)Blue Cross Blue Shield of Michigan · PPO29 of 83 counties · drug deductible $100Dental up to $1,500/yr · eyewear $150/yr · OTC items $200/yr | $299.30 | $4,000 | $7,592 | 4.5★ |
| 37 | 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★ |
| 38 | 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★ |
| 39 | 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★ |
| 40 | 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★ |
| 41 | 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★ |
| 42 | Humana Value Plus H5216-382 (PPO)Humana · PPO75 of 83 counties · drug deductible $0Dental up to $500/yr · eyewear $100/yr | $0 | $9,850 | $9,850 | 4★ |
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: 53 in 2026, 50 in 2027.
- $0-premium plans: 32 in 2026, 31 in 2027.
- Median in-network out-of-pocket maximum: $5,650 in 2026, $6,200 in 2027.
- 14,447 people here were in a general-audience Advantage plan in October 2026; 563 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), HumanaChoice R0110-013 (Regional PPO).
Questions
How many Medicare Advantage plans are in Saginaw County for 2027?
42 general-audience plans with drug coverage, 23 of them with a $0 monthly premium, compared with 53 plans and 32 $0-premium plans in 2026. Special Needs Plans aren't counted.
Which plan has the lowest worst-case cost in Saginaw County?
Aetna Medicare Signature (PPO) from Aetna Medicare: $0 a month with an in-network out-of-pocket maximum of $5,200, so at most about $5,200 for the year in premiums and in-network costs.
Do any Saginaw County plans have a Part B giveback?
6 do. The largest is $116 a month off your Part B premium, from PriorityMedicare Smart Savings (HMO-POS).
How many Saginaw County plans have 4 or more stars?
27 of 42, 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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