Michigan › Kalkaska County
Medicare plans in Kalkaska County, Michigan
2027 plans. Other years: 2026 · 2027
Where to start
This page lists every Medicare plan sold in Kalkaska County for 2027, 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 (33 plans)
- Part D drug plans (11 plans)
- Special needs plans (12 plans)
- Medicare Advantage without drug coverage (8 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 Kalkaska 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 Kalkaska County
At a glance
- 41 Medicare Advantage plans are open to anyone with Medicare here; 25 charge no monthly premium.
- 11 give back part of your Part B premium, up to $150 a month.
- The lowest yearly limit on what you pay for in-network care is $4,000.
- 11 Part D drug plans, from $5.30 to $136.70 a month.
Medicare Advantage plans with drug coverage 33
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 (PPO) Humana · H7617-058-000 | PPO | $0/moGives back $99/mo of your Part B premium | $9,850 | 4.5★ |
| Wellcare Giveback (HMO-POS) Wellcare · H5475-031-000 | HMO-POS | $0/moGives back $81.50/mo of your Part B premium | $9,850 | 3.0★ |
| McLaren Medicare Inspire Giveback (HMO) McLaren Medicare · H6322-008-000 | HMO | $0/moGives back $70/mo of your Part B premium | $6,750 | 3.0★ |
| AARP Medicare Advantage from UHC MI-0001 (PPO) UnitedHealthcare · H0294-017-000 | PPO | $0/mo | $7,150 | 3.0★ |
| PriorityMedicare Latitude (HMO-POS) Priority Health Medicare · H2320-034-003 | HMO-POS | $0/mo | $9,850 | 4.5★ |
| HAP Medicare Explore (PPO) Health Alliance Plan by Henry Ford Health · H2322-011-000 | PPO | $0/mo | $6,050 | 3.5★ |
| HAP Medicare Prime (PPO) Health Alliance Plan by Henry Ford Health · H2322-016-000 | PPO | $0/mo | $6,400 | 3.5★ |
| HAP Medicare Connect (HMO) Health Alliance Plan by Henry Ford Health · H2354-015-000 | HMO | $0/mo | $5,600 | 4.0★ |
| HAP Medicare Superior (HMO) Health Alliance Plan by Henry Ford Health · H2354-028-000 | HMO | $0/mo | $5,800 | 4.0★ |
| AARP Medicare Advantage from UHC MI-4 (HMO-POS) UnitedHealthcare · H2736-001-000 | HMO-POS | $0/mo | $5,900 | Not yet rated |
| Aetna Medicare Signature (HMO-POS) Aetna Medicare · H3192-010-000 | HMO-POS | $0/mo | $6,350 | 3.5★ |
| Humana Value Plus H5216-382 (PPO) Humana · H5216-382-000 | PPO | $0/mo | $9,850 | 4.0★ |
| Wellcare Simple (HMO-POS) Wellcare · H5475-026-000 | HMO-POS | $0/mo | $7,100 | 3.0★ |
| Wellcare Assist (HMO-POS) Wellcare · H5475-038-000 | HMO-POS | $0/mo | $7,100 | 3.0★ |
| Aetna Medicare Signature (PPO) Aetna Medicare · H5521-285-000 | PPO | $0/mo | $5,200 | 4.0★ |
| McLaren Medicare Inspire (HMO) McLaren Medicare · H6322-001-000 | HMO | $0/mo | $6,600 | 3.0★ |
| Medicare Plus Blue Value (PPO) Blue Cross Blue Shield of Michigan · H9572-010-000 | PPO | $0/mo | $6,750 | 4.5★ |
| HAP Member Assist (PPO) Health Alliance Plan by Henry Ford Health · H2322-017-000 | PPO | $6.30/mo | $5,600 | 3.5★ |
| McLaren Medicare Inspire Plus (HMO) McLaren Medicare · H6322-002-000 | HMO | $20/mo | $5,900 | 3.0★ |
| Humana Full Access (PPO) Humana · H5216-011-000 | PPO | $41/mo | $4,800 | 4.0★ |
| Humana Gold Choice H8145-006 (PFFS) Humana · H8145-006-000 | PFFS | $60/mo | $7,800 | 4.0★ |
| AARP Medicare Advantage from UHC MI-0002 (PPO) UnitedHealthcare · H0294-018-000 | PPO | $70/mo | $5,900 | 3.0★ |
| PriorityMedicare Value (HMO-POS) Priority Health Medicare · H2320-029-004 | HMO-POS | $80/mo | $6,000 | 4.5★ |
| Humana Full Access R0110-014 (Regional PPO) Humana · R0110-014-000 | Regional PPO | $89/mo | $7,050 | 3.5★ |
| Medicare Plus Blue Vitality (PPO) Blue Cross Blue Shield of Michigan · H9572-002-003 | PPO | $100/mo | $5,000 | 4.5★ |
| HAP Senior Plus (HMO-POS) Health Alliance Plan by Henry Ford Health · H2354-021-000 | HMO-POS | $105/mo | $4,650 | 4.0★ |
| PriorityMedicare (HMO-POS) Priority Health Medicare · H2320-028-004 | HMO-POS | $131/mo | $5,100 | 4.5★ |
| BCN Advantage Classic (HMO-POS) Blue Care Network · H5883-002-003 | HMO-POS | $138/mo | $4,800 | 4.5★ |
| PriorityMedicare Merit (PPO) Priority Health Medicare · H4875-016-002 | PPO | $163/mo | $5,000 | 4.0★ |
| HAP Senior Plus (PPO) Health Alliance Plan by Henry Ford Health · H2322-008-000 | PPO | $165/mo | $4,450 | 3.5★ |
| Medicare Plus Blue Signature (PPO) Blue Cross Blue Shield of Michigan · H9572-001-003 | PPO | $168/mo | $4,300 | 4.5★ |
| BCN Advantage Prestige (HMO-POS) Blue Care Network · H5883-003-003 | HMO-POS | $248/mo | $4,400 | 4.5★ |
| Medicare Plus Blue Assure (PPO) Blue Cross Blue Shield of Michigan · H9572-003-003 | PPO | $299.30/mo | $4,000 | 4.5★ |
Part D drug plans 11
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 |
|---|---|---|---|
| Wellcare Value Script (PDP) Wellcare · S4802-148-000 | $5.30/mo | $700 | 3★ |
| Humana Basic Rx Plan (PDP) Humana · S5884-136-000 | $6.30/mo | $700 | 4.5★ |
| Wellcare Classic (PDP) Wellcare · S4802-084-000 | $7.30/mo | $700 | 3★ |
| HealthSpring Assurance Rx (PDP) Blue Cross and Blue Shield of IL, NM, OK, TX · S5715-034-000 | $9.30/mo | $700 | 2.5★ |
| Humana Value Rx Plan (PDP) Humana · S5884-192-000 | $17.20/mo | $687 | 4.5★ |
| Prescription Blue Select (PDP) Blue Cross Blue Shield of Michigan · S5584-001-000 | $49.80/mo | $700 | 4★ |
| AARP Medicare Rx Saver from UHC (PDP) UnitedHealthcare · S5921-358-000 | $58.40/mo | $700 | 3★ |
| Prescription Blue Premium (PDP) Blue Cross Blue Shield of Michigan · S5584-002-000 | $80.30/mo | $125 | 4★ |
| SilverScript Choice (PDP) Aetna Medicare · S5601-026-000 | $100.50/mo | $700 | 2.5★ |
| Humana Premier Rx Plan (PDP) Humana · S5884-159-000 | $104.30/mo | $350 | 4.5★ |
| AARP Medicare Rx Preferred from UHC (PDP) UnitedHealthcare · S5921-394-000 | $136.70/mo | $300 | 3★ |
Special needs plans 12
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 |
|---|---|---|---|---|---|
| UHC Complete Care Support MI-3 (PPO C-SNP) UnitedHealthcare · H0294-048-000 | PPO | Only for people with certain chronic conditionsDiabetes, Heart | $0/mo | $7,150 | 3.0★ |
| UHC Dual Complete MI-Q1 (HMO-POS D-SNP) UnitedHealthcare · H2247-001-000 | HMO-POS | Only for people who have Medicaid as well as Medicare | $0/mo | $9,850 | 3.0★ |
| UHC Dual Advantage MI-V1 (HMO-POS D-SNP) UnitedHealthcare · H2247-003-000 | HMO-POS | Only for people who have Medicaid as well as Medicare | $0/mo | $7,150 | 3.0★ |
| UHC Dual Complete MI-S3 (HMO D-SNP) UnitedHealthcare · H2247-004-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $9,850 | 3.0★ |
| UHC Complete Care MI-5 (HMO-POS C-SNP) UnitedHealthcare · H2736-002-000 | HMO-POS | Only for people with certain chronic conditionsDiabetes, Heart | $0/mo | $5,900 | Not yet rated |
| Humana Dual Select H5216-385 (PPO D-SNP) Humana · H5216-385-000 | PPO | Only for people who have Medicaid as well as Medicare | $0/mo | $9,850 | 4.0★ |
| HumanaChoice SNP-DE H5216-388 (PPO D-SNP) Humana · H5216-388-000 | PPO | Only for people who have Medicaid as well as Medicare | $0/mo | $9,850 | 4.0★ |
| Wellcare Meridian Health Dual Liberty (HMO D-SNP) Wellcare · H7435-002-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $9,850 | Not yet rated |
| PriorityMedicare D-SNP (HMO D-SNP) Priority Health Medicare · H8379-001-000 | HMO | Only for people who have Medicaid as well as Medicare | $0.20/mo | $9,850 | 3.5★ |
| 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 | $0.90/mo | $9,850 | 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 | $6.30/mo | $9,850 | 4.5★ |
| HAP Medicare Diabetes and Heart (HMO C-SNP) Health Alliance Plan by Henry Ford Health · H2354-030-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $6.30/mo | $9,850 | 4.0★ |
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 North, Inc (PACE), PACE North, Inc (PACE).
Medicare Advantage plans without drug coverage 8
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 |
|---|---|---|---|---|
| AARP Medicare Advantage Patriot No Rx MI-MA2 (HMO-POS) UnitedHealthcare · H2736-004-000 | HMO-POS | $0/moGives back $150/mo of your Part B premium | $6,700 | Not yet rated |
| Humana USAA Honor Giveback (PPO) Humana · H5216-190-000 | PPO | $0/moGives back $136/mo of your Part B premium | $6,550 | 4.0★ |
| Humana USAA Honor Giveback (PPO) Humana · H7617-054-000 | PPO | $0/moGives back $136/mo of your Part B premium | $6,550 | 4.5★ |
| AARP Medicare Advantage Patriot No Rx MI-MA01 (PPO) UnitedHealthcare · H0294-022-000 | PPO | $0/moGives back $130/mo of your Part B premium | $6,700 | 3.0★ |
| HAP Medicare MedicalAccess (HMO) Health Alliance Plan by Henry Ford Health · H2354-019-000 | HMO | $0/moGives back $105/mo of your Part B premium | $4,500 | 4.0★ |
| Aetna Medicare Eagle (PPO) Aetna Medicare · H5521-286-000 | PPO | $0/moGives back $70/mo of your Part B premium | $5,200 | 4.0★ |
| BCN Advantage Elements (HMO-POS) Blue Care Network · H5883-017-000 | 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/moGives back $17/mo of your Part B premium | $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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