Michigan › Clare County
Medicare plans in Clare County, Michigan
2026 plans. Other years: 2026 · 2027
Where to start
This page lists every Medicare plan sold in Clare County for 2026, sorted from the lowest cost each month. They're in four tables below, by the kind of coverage. Jump to the one that fits you. Under each table, Compare these plans opens the same plans in our plan list, where you can add your prescriptions, narrow the list and compare plans side by side.
- Medicare Advantage with drug coverage (28 plans)
- Part D drug plans (12 plans)
- Special needs plans (13 plans)
- Medicare Advantage without drug coverage (5 plans)
- Medigap (Medicare Supplement) prices
Not sure which you need? Most people choose either a Medicare Advantage plan, which usually includes drug coverage, or Original Medicare with a Part D drug plan and often a Medigap policy to pay what Medicare leaves.
What would these plans cost you? Try the calculator → It's set to Clare County. Add your age, health and drugs to see what each kind of plan would cost you next year and over the years ahead.
The best plan here for…
- A low monthly premium
- Money back on your Part B premium
- The lowest cost in a bad year
- Dental coverage
- A high star rating
- Seeing doctors outside a network
- The lowest-priced Medigap Plan G
No plan is best for everyone, so we pick one for each of these and explain why. All our picks in Clare County
At a glance
- 33 Medicare Advantage plans are open to anyone with Medicare here; 18 charge no monthly premium.
- 10 give back part of your Part B premium, up to $130 a month.
- The lowest yearly limit on what you pay for in-network care is $4,000.
- 12 Part D drug plans, from $0 to $106.70 a month.
Medicare Advantage plans with drug coverage 28
Medical and drug coverage in one plan, open to anyone with Medicare who lives here. This is what most people mean by a Medicare Advantage plan.
| Plan | Network | Premium | Out-of-pocket limit | Stars |
|---|---|---|---|---|
| Humana Full Access Giveback H5216-306 (PPO) Humana · H5216-306-000 | PPO | $0/moGives back $102/mo of your Part B premium | $9,150 | 3.5★ |
| Humana Full Access Giveback H7617-058 (PPO) Humana · H7617-058-000 | PPO | $0/moGives back $102/mo of your Part B premium | $9,150 | 4.5★ |
| McLaren Medicare Inspire Select (HMO) McLaren Medicare · H6322-008-000 | HMO | $0/moGives back $75/mo of your Part B premium | $6,750 | 3.0★ |
| Humana USAA Honor Giveback with Rx (PPO) Humana · H5216-305-000 | PPO | $0/moGives back $66/mo of your Part B premium | $8,650 | 3.5★ |
| Humana USAA Honor Giveback with Rx (PPO) Humana · H7617-071-000 | PPO | $0/moGives back $66/mo of your Part B premium | $8,650 | 4.5★ |
| Medicare Plus Blue Value (PPO) Blue Cross Blue Shield of Michigan · H9572-010-000 | PPO | $0/moGives back $2/mo of your Part B premium | $6,750 | 4.5★ |
| PriorityMedicare Key (HMO-POS) Priority Health Medicare · H2320-022-003 | HMO-POS | $0/mo | $5,800 | 4.5★ |
| HAP Medicare Explore (PPO) HAP Senior Plus (PPO) · H2322-011-000 | PPO | $0/mo | $5,400 | 4.0★ |
| HAP Medicare Prime (PPO) HAP Senior Plus (PPO) · H2322-016-000 | PPO | $0/mo | $5,650 | 4.0★ |
| HAP Medicare Connect (HMO) HAP Senior Plus · H2354-015-000 | HMO | $0/mo | $5,000 | 4.0★ |
| HAP Medicare Superior (HMO) HAP Senior Plus · H2354-028-000 | HMO | $0/mo | $5,100 | 4.0★ |
| PriorityMedicare Thrive (PPO) Priority Health Medicare · H4875-024-002 | PPO | $0/mo | $6,200 | 4.0★ |
| McLaren Medicare Inspire (HMO) McLaren Medicare · H6322-001-000 | HMO | $0/mo | $6,300 | 3.0★ |
| HAP Member Assist (PPO) HAP Senior Plus (PPO) · H2322-017-000 | PPO | $8.80/mo | $5,200 | 4.0★ |
| McLaren Medicare Inspire Plus (HMO) McLaren Medicare · H6322-002-000 | HMO | $8.80/mo | $5,900 | 3.0★ |
| Humana Full Access H5216-011 (PPO) Humana · H5216-011-000 | PPO | $18/mo | $5,700 | 3.5★ |
| PriorityMedicare Thrive Plus (PPO) Priority Health Medicare · H4875-018-003 | PPO | $49/mo | $5,600 | 4.0★ |
| Humana Full Access R0110-014 (Regional PPO) Humana · R0110-014-000 | Regional PPO | $54/mo | $6,550 | 3.5★ |
| PriorityMedicare Value (HMO-POS) Priority Health Medicare · H2320-029-003 | HMO-POS | $80/mo | $5,100 | 4.5★ |
| Medicare Plus Blue Vitality (PPO) Blue Cross Blue Shield of Michigan · H9572-002-003 | PPO | $81.70/mo | $5,000 | 4.5★ |
| HAP Senior Plus (HMO-POS) HAP Senior Plus · H2354-021-000 | HMO-POS | $105/mo | $4,550 | 4.0★ |
| PriorityMedicare Merit (PPO) Priority Health Medicare · H4875-016-001 | PPO | $115/mo | $4,200 | 4.0★ |
| PriorityMedicare (HMO-POS) Priority Health Medicare · H2320-028-003 | HMO-POS | $120/mo | $4,500 | 4.5★ |
| BCN Advantage Classic (HMO-POS) Blue Care Network · H5883-002-003 | HMO-POS | $123.60/mo | $4,400 | 4.5★ |
| Medicare Plus Blue Signature (PPO) Blue Cross Blue Shield of Michigan · H9572-001-003 | PPO | $154.20/mo | $4,300 | 4.5★ |
| HAP Senior Plus (PPO) HAP Senior Plus (PPO) · H2322-008-000 | PPO | $165/mo | $4,150 | 4.0★ |
| BCN Advantage Prestige (HMO-POS) Blue Care Network · H5883-003-003 | HMO-POS | $231/mo | $4,000 | 4.5★ |
| Medicare Plus Blue Assure (PPO) Blue Cross Blue Shield of Michigan · H9572-003-003 | PPO | $291.30/mo | $4,000 | 4.5★ |
Part D drug plans 12
Standalone drug coverage, for people who keep Original Medicare (often with a Medigap policy). Drug plans are sold for a whole region, so the same plans are sold throughout Michigan.
| Plan | Premium | Drug deductible | Stars |
|---|---|---|---|
| HealthSpring Assurance Rx (PDP) Cigna Healthcare · S5617-221-000 | $0/mo | $615 | 2.5★ |
| Humana Basic Rx Plan (PDP) Humana · S5884-136-000 | $0/mo | $615 | 3★ |
| Humana Value Rx Plan (PDP) Humana · S5884-192-000 | $0/mo | $601 | 3★ |
| Wellcare Classic (PDP) Wellcare · S4802-084-000 | $0/mo | $615 | 3.5★ |
| Wellcare Value Script (PDP) Wellcare · S4802-148-000 | $0/mo | $615 | 3.5★ |
| AARP Medicare Rx Saver from UHC (PDP) UnitedHealthcare · S5921-358-000 | $14.10/mo | $615 | 2★ |
| HealthSpring Extra Rx (PDP) Cigna Healthcare · S5617-363-000 | $50.40/mo | $615 | 2.5★ |
| AARP Medicare Rx Preferred from UHC (PDP) UnitedHealthcare · S5921-394-000 | $78.30/mo | $130 | 2★ |
| SilverScript Choice (PDP) Aetna Medicare · S5601-026-000 | $78.30/mo | $615 | 3★ |
| Prescription Blue Select (PDP) Blue Cross Blue Shield of Michigan · S5584-001-000 | $78.40/mo | $615 | 2.5★ |
| Humana Premier Rx Plan (PDP) Humana · S5884-159-000 | $98.10/mo | None | 3★ |
| Prescription Blue Premium (PDP) Blue Cross Blue Shield of Michigan · S5584-002-000 | $106.70/mo | None | 2.5★ |
Special needs plans 13
Medicare Advantage plans built for people with particular needs, and open only to people who have them. If one of the three below describes you, these are often worth a look before a general plan. Each row says who can join.
Who special needs plans are for
- D-SNP: you have Medicaid as well as Medicare (sometimes called "dual eligible" or "Medi-Medi").
- C-SNP: you have a chronic condition the plan is built around, such as diabetes, heart failure, chronic lung disease or dementia. The plan checks with your doctor.
- I-SNP: you live in a nursing home or similar facility, or need that level of care at home.
Why people choose them
- Care built around you. Most assign a care coordinator, and many run clinical programs for the condition they serve: diabetes education and supplies, heart or lung monitoring, medication reviews, or doctors who visit you in a facility.
- Often more generous extras. Many offer larger allowances than general plans for groceries, over-the-counter items, transportation, meals or utilities. Compare the figures; they vary widely from plan to plan.
- Lower costs for many members. With full Medicaid, a D-SNP member usually pays nothing for care Medicare covers.
The catch: you have to qualify, and the plan will check, for example your Medicaid status or a doctor's confirmation of your condition. If you're not sure, your State Health Insurance Assistance Program (SHIP) gives free, unbiased advice.
| Plan | Network | Who can join | Premium | Out-of-pocket limit | Stars |
|---|---|---|---|---|---|
| Molina Medicare Complete Care (HMO D-SNP) Molina Healthcare of Michigan · H5926-001-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/moGives back $1/mo of your Part B premium | $9,250 | 3.0★ |
| UHC Dual Complete MI-S002 (HMO-POS D-SNP) UnitedHealthcare · H2247-001-000 | HMO-POS | Only for people who have Medicaid as well as Medicare | $0/mo | $9,250 | 3.5★ |
| HumanaChoice - Diabetes and Heart (PPO C-SNP) Humana · H5216-375-000 | PPO | Only for people with certain chronic conditionsDiabetes, Heart | $0/mo | $6,550 | 3.5★ |
| UHC Dual Complete MI-V001 (HMO-POS D-SNP) UnitedHealthcare · H2247-003-000 | HMO-POS | Only for people who have Medicaid as well as Medicare | $0.20/mo | $6,700 | 3.5★ |
| UHC Dual Complete MI-S001 (PPO D-SNP) UnitedHealthcare · H2001-039-000 | PPO | Only for people who have Medicaid as well as Medicare | $8.80/moGives back $0.40/mo of your Part B premium | $9,250 | 4.5★ |
| UHC Dual Complete MI-S3 (HMO D-SNP) UnitedHealthcare · H2247-004-000 | HMO | Only for people who have Medicaid as well as Medicare | $8.80/mo | $9,250 | 3.5★ |
| HAP Medicare Complete Assist (PPO D-SNP) HAP Senior Plus (PPO) · H2322-020-000 | PPO | Only for people who have Medicaid as well as Medicare | $8.80/mo | $9,250 | 4.0★ |
| HAP Medicare Complete Duals (HMO D-SNP) HAP Senior Plus · H2354-025-000 | HMO | Only for people who have Medicaid as well as Medicare | $8.80/mo | $9,250 | 4.0★ |
| HAP Medicare Diabetes and Heart (HMO C-SNP) HAP Senior Plus · H2354-030-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $8.80/mo | $9,250 | 4.0★ |
| Humana Dual Select H5216-385 (PPO D-SNP) Humana · H5216-385-000 | PPO | Only for people who have Medicaid as well as Medicare | $8.80/mo | $9,250 | 3.5★ |
| HumanaChoice SNP-DE H5216-388 (PPO D-SNP) Humana · H5216-388-000 | PPO | Only for people who have Medicaid as well as Medicare | $8.80/mo | $9,250 | 3.5★ |
| Longevity Health Plan (HMO I-SNP) Longevity Health Plan · H7557-001-000 | HMO | Only for people who live in a nursing home, or need that level of care at home | $8.80/mo | $9,250 | 5.0★ |
| PriorityMedicare D-SNP (HMO D-SNP) Priority Health Medicare · H8379-001-000 | HMO | Only for people who have Medicaid as well as Medicare | $8.80/mo | $9,250 | 3.5★ |
PACE
PACE isn't a special needs plan, but it isn't open to everyone either: it is for people 55 and older who need a nursing-home level of care and can live safely at home with its help. Sold here: PACE Central Michigan (PACE), PACE Central Michigan (PACE).
Medicare Advantage plans without drug coverage 5
Medical coverage only. These suit people who get their drugs elsewhere, such as from the VA or an employer, since you generally can't add a separate Part D plan to them.
| Plan | Network | Premium | Out-of-pocket limit | Stars |
|---|---|---|---|---|
| Humana USAA Honor Giveback (PPO) Humana · H5216-190-000 | PPO | $0/moGives back $130/mo of your Part B premium | $6,550 | 3.5★ |
| Humana USAA Honor Giveback (PPO) Humana · H7617-054-000 | PPO | $0/moGives back $130/mo of your Part B premium | $6,550 | 4.5★ |
| HAP Medicare MedicalAccess (HMO) HAP Senior Plus · H2354-019-000 | HMO | $0/moGives back $105/mo of your Part B premium | $4,500 | 4.0★ |
| BCN Advantage Elements (HMO-POS) Blue Care Network · H5883-001-003 | HMO-POS | $0/moGives back $20/mo of your Part B premium | $4,500 | 4.5★ |
| HumanaChoice R0110-013 (Regional PPO) Humana · R0110-013-000 | Regional PPO | $0/mo | $6,550 | 3.5★ |
Medigap (Medicare Supplement)
A Medigap policy pays some or all of what Original Medicare leaves you owing, and works with any doctor who takes Medicare. The coverage of each plan letter is the same whichever company sells it; only the price differs.
- Plan G: $113–$644/mo from 42 companies, at age 65.
- Plan N: $89–$673/mo from 42 companies, at age 65.
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