
Compare & Enroll — Part C & Part D
Compare & Enroll in Medicare Plans in 48009, MI
With 191 Medicare Advantage options from 21 insurers, 48009, MI has significantly more plan choices than the national average, suggesting a highly competitive market where insurers often lower premiums to attract members. Approximately 85% of local MA plans charge $0 beyond the standard Part B premium, reflecting strong price competition. With 10 hospitals within 25.0 miles, most local plan networks should offer strong provider access. We've organized the CMS data below to help you cross-reference plan costs, quality ratings, and local provider access. Compare plans below, and when you're ready, enroll directly at Medicare.gov.
Data freshness: CMS data as of February 2026 •
ACS data as of 2023 •
Reviewed & approved on 2026-02-16
Reviewed by: Wes Ward, Founder & Data Lead •
View our methodology
Important: We are not affiliated with Medicare or any government agency. This site displays publicly available CMS data to help you compare plans. We do not sell insurance or represent any insurance company. For official enrollment and complete plan information, visit Medicare.gov or call 1-800-MEDICARE (1-800-633-4227).
Medicare Eligibility in 48009, MI
Approximately 3,746 residents (17.1% of the population) in 48009, MI are 65 or older and likely Medicare-eligible. Whether you're approaching 65, already enrolled, or a caregiver comparing options, the plan data below is organized to help you evaluate Part C (Medicare Advantage) and Part D (prescription drug) coverage side by side.
The median household income in 48009, MI is $171,455 (128.2% above the National Average), which may affect eligibility for Extra Help with Part D drug costs.
Part C: Medicare Advantage Plans
Medicare Advantage (Part C) replaces Original Medicare through private insurers who bundle hospital, medical, and often drug coverage into a single plan. 48009, MI's 191 Medicare Advantage plans are a mix leaning toward HMO networks (110 HMO, 80 PPO). 163 plans offer $0 monthly premiums. The average local star rating is 3.9 out of 5, with the top plan earning 5.0 ★.
Top Medicare Advantage Plans in 48009, MI
We organize CMS plan data into separate leaderboards so you can compare based on what matters most to you. Part C premiums in 48009, MI range from $0 to $208/month. Among rated plans, 108 plans rated 4+ stars, including 13 with perfect 5-star ratings.
Highest CMS Star Ratings
Star Ratings are assigned by CMS based on quality measures including customer service, preventive care, and managing chronic conditions.
| Plan Name | Insurer | Star Rating | Premium | Type | |
|---|---|---|---|---|---|
| Devoted Dual Full 013 Nc (HMO D-SNP) | Devoted Health | 5.0 ★ | $0.00/mo | HMO D-SNP | Enroll |
| Devoted C-Snp Premium 016 Nc (HMO C-SNP) | Devoted Health | 5.0 ★ | $0.00/mo | HMO C-SNP | Enroll |
| Devoted C-Snp Plus 015 Nc (HMO C-SNP) | Devoted Health | 5.0 ★ | $0.00/mo | HMO C-SNP | Enroll |
| Erickson Advantage Signature (HMO-POS) | Unitedhealthcare | 5.0 ★ | $8.30/mo | HMO-POS | Enroll |
| Devoted Giveback 012 Nc (HMO) | Devoted Health | 5.0 ★ | $0.00/mo | HMO | Enroll |
Lowest Monthly Premium
Lower premiums can save money, but check total costs including deductibles, copays, and MOOP.
| Plan Name | Insurer | Monthly Premium | MOOP | Star Rating |
|---|---|---|---|---|
| Aetna Medicare Signature (PPO) | Aetna Medicare | $0.00/mo | $5,900 | 4.5 ★ |
| Humana Gold Plus H1036-335 (HMO-POS) | Humana | $0.00/mo | $3,950 | 4.0 ★ |
| Aarp Medicare Advantage From Uhc Nc-0015 (HMO-POS) | Unitedhealthcare | $0.00/mo | $4,200 | 4.0 ★ |
| Uhc Dual Complete Nc-S3 (HMO-POS D-SNP) | Unitedhealthcare | $0.00/mo | $9,250 | 4.0 ★ |
| Medicare Plus Blue Secure (PPO) | Blue Cross Blue Shield Of Michigan | $0.00/mo | $6,750 | 4.5 ★ |
Lowest Maximum Out-of-Pocket (MOOP)
MOOP caps your financial risk. Once you hit this limit, the plan covers 100% of covered services for the rest of the year.
| Plan Name | Insurer | MOOP (In-Network) | Premium | Star Rating |
|---|---|---|---|---|
| Erickson Advantage Guardian (HMO-POS I-SNP) | Unitedhealthcare | $1,000 | $0.00/mo | 5.0 ★ |
| Erickson Advantage Signature (HMO-POS) | Unitedhealthcare | $2,900 | $8.30/mo | 5.0 ★ |
| Aarp Medicare Advantage Access From Uhc Nc-23 (PPO) | Unitedhealthcare | $3,000 | $102.00/mo | 4.5 ★ |
| Healthspring Preferred Select (HMO) | Healthspring | $3,200 | $0.00/mo | 4.0 ★ |
| Healthspring Preferred Plus (HMO) | Healthspring | $3,200 | $0.00/mo | 4.0 ★ |
Plan Type Mix in 48009, MI
HMO plans require referrals and in-network care. PPO plans offer more flexibility. SNP (Special Needs Plans) serve specific populations. MAPD plans include drug coverage.
| Plan Type | Count | Percentage | Description |
|---|---|---|---|
| PPO | 62 | 32.5% | No referrals; in and out-of-network |
| HMO-POS | 33 | 17.3% | HMO with some out-of-network options |
| HMO | 24 | 12.6% | Requires referrals; in-network only |
| HMO D-SNP | 18 | 9.4% | Medicare Advantage plan |
| HMO C-SNP | 13 | 6.8% | Medicare Advantage plan |
| HMO-POS D-SNP | 11 | 5.8% | Medicare Advantage plan |
| PPO D-SNP | 9 | 4.7% | Medicare Advantage plan |
| HMO I-SNP | 7 | 3.7% | Medicare Advantage plan |
| Regional PPO | 5 | 2.6% | Medicare Advantage plan |
| PPO C-SNP | 3 | 1.6% | Medicare Advantage plan |
| HMO-POS I-SNP | 2 | 1.0% | Medicare Advantage plan |
| HMO-POS C-SNP | 2 | 1.0% | Medicare Advantage plan |
| PFFS | 1 | 0.5% | Private Fee-for-Service |
| PPO I-SNP | 1 | 0.5% | Medicare Advantage plan |
Choosing the Right Medicare Advantage Plan
The best Part C plan depends on your doctors, medications, and budget. Key factors to evaluate:
- Provider network: Verify your doctors and hospitals near 48009, MI are in-network before enrolling
- Total cost: A $0 premium may have higher copays—calculate your annual cost
- Star Ratings: 4+ stars indicate above-average quality and member satisfaction
Read our full guide on choosing Medicare Advantage → · Print our enrollment checklist →
Medicare Glossary: HMO, PPO, MOOP & more →
Medicare Advantage Insurers in 48009, MI
21 insurance companies offer Medicare Advantage plans in 48009, MI. Below, we group plans by insurer so you can compare options from each company. More insurers generally means more competition and better benefits for consumers.





















Plan availability, premiums, and benefits shown are based on CMS data and may change. Always verify current details with the insurer and at Medicare.gov before enrolling.
Part D: Prescription Drug Plans (PDP)
Part D covers prescription drugs through standalone plans for those on Original Medicare, or as part of a Medicare Advantage bundle. Among the 24 standalone Part D plans in 48009, MI, some offer $0 annual deductibles while others charge up to the 2026 maximum of $590. 5 plans are at or below the regional premium benchmark, making them eligible for Low Income Subsidy auto-enrollment. The 2026 $2,000 out-of-pocket cap means drug costs are now more predictable regardless of which plan you choose, but formulary coverage still varies significantly—always verify your medications are covered before enrolling.
Top Part D Drug Plans in 48009, MI
We organize Part D plans by CMS Star Ratings, premiums, and deductibles so you can find the best fit for your prescription needs. Part D premiums in 48009, MI range from $0 to $163/month. Remember: all Part D plans now cap your annual out-of-pocket drug costs at $2,000 thanks to the Inflation Reduction Act.
Highest CMS Star Ratings (Part D)
Part D Star Ratings measure drug pricing, customer service, member complaints, and pharmacy access.
| Plan Name | Insurer | Star Rating | Premium | Deductible | |
|---|---|---|---|---|---|
| Wellcare Value Script (PDP) | Wellcare | 3.5 ★ | $0.00/mo | $615 | Enroll |
| Wellcare Value Script (PDP) | Wellcare | 3.5 ★ | $3.60/mo | $615 | Enroll |
| Wellcare Classic (PDP) | Wellcare | 3.5 ★ | $0.00/mo | $615 | Enroll |
| Wellcare Classic (PDP) | Wellcare | 3.5 ★ | $4.70/mo | $615 | Enroll |
| Humana Value Rx Plan (PDP) | Humana | 3.0 ★ | $0.00/mo | $601 | Enroll |
Lowest Monthly Premium
Lower premiums help with monthly cash flow, but check drug tier costs and the deductible.
| Plan Name | Insurer | Monthly Premium | Drug Deductible | Star Rating |
|---|---|---|---|---|
| Wellcare Value Script (PDP) | Wellcare | $0.00/mo | $615 | 3.5 ★ |
| Humana Value Rx Plan (PDP) | Humana | $0.00/mo | $601 | 3.0 ★ |
| Wellcare Classic (PDP) | Wellcare | $0.00/mo | $615 | 3.5 ★ |
| Healthspring Assurance Rx (PDP) | Healthspring | $0.00/mo | $615 | 2.5 ★ |
| Humana Basic Rx Plan (PDP) | Humana | $0.00/mo | $615 | 3.0 ★ |
Lowest Annual Drug Deductible
The deductible is what you pay out-of-pocket before the plan starts covering drug costs. The 2026 maximum Part D deductible is $590. Many plans offer $0 deductible options.
| Plan Name | Insurer | Drug Deductible | Monthly Premium | Star Rating |
|---|---|---|---|---|
| Humana Premier Rx Plan (PDP) | Humana | $0 | $98.10/mo | 3.0 ★ |
| Prescription Blue Premium (PDP) | Blue Cross Blue Shield Of Michigan | $0 | $106.70/mo | 2.5 ★ |
| Humana Premier Rx Plan (PDP) | Humana | $0 | $110.90/mo | 3.0 ★ |
| Blue Medicare Rx Enhanced (PDP) | Blue Cross And Blue Shield Of North Carolina | $0 | $163.20/mo | 3.0 ★ |
| Aarp Medicare Rx Preferred From Uhc (PDP) | Unitedhealthcare | $130 | $78.30/mo | 2.0 ★ |
Choosing the Right Part D Drug Plan
The right Part D plan depends on your specific medications. Key factors to evaluate:
- Formulary: Verify your drugs are covered before enrolling
- Preferred pharmacies: Lower copays at certain locations—check your pharmacy is in-network
- Total annual cost: Premium + deductible + copays for your drugs
Read our full guide on choosing Part D →
What is a formulary? See our Medicare Glossary →
Part D Drug Plan Insurers in 48009, MI
7 insurance companies offer standalone Part D drug plans in 48009, MI. Below, we group plans by insurer.







Plan availability, premiums, and benefits shown are based on CMS data and may change. Always verify current details with the insurer and at Medicare.gov before enrolling.
Ready to Enroll in 48009, MI?
Compare plans side-by-side at Medicare.gov or speak with a licensed Medicare specialist.
📋 Print our Medicare Enrollment Checklist — gather your info before you compare.
📅 Enrollment Dates & Deadlines · 🩺 Questions to Ask Your Doctor
Medicare.gov is the official U.S. government site for Medicare. Available 24/7.
Pharmacy Access in 48009, MI
Part D plans have preferred pharmacy networks where you'll pay lower copays. Here's a look at pharmacy options in and around 48009, MI.
Total Pharmacies
Chain Pharmacies
Independent Pharmacies
| Pharmacy | Address & Phone | Distance | Type |
|---|---|---|---|
| WOODWARD DETROIT CVS, L.L.C. | 444 S OLD WOODWARD AVE BIRMINGHAM, MI 480096610 248-864-0790 | 0.1 mi | Chain |
| MILLS COMPOUNDING PHARMACY, LLC | 1744 W MAPLE RD STE B BIRMINGHAM, MI 480091545 248-863-2880 | 0.3 mi | Independent |
| KROGER CO OF MICHIGAN | 685 E MAPLE RD BIRMINGHAM, MI 480096343 248-872-1156 | 0.3 mi | Chain |
| WALGREEN CO | 34300 WOODWARD AVE BIRMINGHAM, MI 480090919 248-859-8450 | 0.3 mi | Chain |
| PERRY DRUG STORES INC AND SUBSIDIARIES | 597 SOUTH ADAMS ROAD BIRMINGHAM, MI 480096756 248-864-4470 | 0.5 mi | Independent |
| BILLNAT CORP | 33877 WOODWARD AVE BIRMINGHAM, MI 480090915 248-864-3214 | 0.6 mi | Independent |
| BONNE SANTE COMPOUNDING PHARMACY LLC | 36700 WOODWARD AVE BLOOMFIELD HILLS, MI 483040926 249-979-2920 | 1.1 mi | Independent |
| ONECARE PHARMACY LLC | 1744 W MAPLE RD BIRMINGHAM, MI 480091545 248-836-6868 | 1.1 mi | Independent |
| MILLS PHARMACY INC | 1740 W MAPLE ROAD BIRMINGHAM, MI 48009 248-864-5060 | 1.1 mi | Independent |
| BORMANS INC | 1237 COOLIDGE HWY TROY, MI 480847012 248-864-1764 | 1.4 mi | Independent |
Pharmacy data from CMS. Network participation varies by plan—always verify with your specific Part D plan.
Local Healthcare Access in 48009, MI
Before choosing a plan, consider the healthcare infrastructure in 48009, MI. Medicare Advantage plans restrict you to in-network hospitals, so understanding local hospital quality helps you pick the right plan — not just the cheapest one.
Hospitals Nearby
Top-Rated Hospitals near 48009, MI
If hospital access matters to your plan choice, check quality ratings before you enroll. These are the highest CMS-rated hospitals near 48009, MI — click a hospital name to see its full profile and verify it's in your plan's network.
| Hospital | CMS Rating | Distance | Beds |
|---|---|---|---|
| Ascension Providence Hospital, Southfield And Novi | 4 ★ | 4.9 mi | 434 |
| Beaumont Hospital Royal Oak | 3 ★ | 5.2 mi | 1,031 |
| Beaumont Hospital, Troy | 3 ★ | 8.0 mi | 254 |
| Henry Ford Health West Bloomfield Hospital | 3 ★ | 9.8 mi | 191 |
| Trinity Health Oakland Hospital | 2 ★ | 5.8 mi | 395 |
| Mclaren Oakland | 2 ★ | 7.6 mi | 308 |
| Surgeons Choice Medical Center | Not Rated | 6.0 mi | 45 |
| Straith Hospital For Special Surgery | Not Rated | 6.0 mi | 34 |
| Henry Ford Health Behavioral Health Hospital | Not Rated | 7.0 mi | 100 |
| Southeast Michigan Surgical Hospital Llc | Not Rated | 9.3 mi | 20 |
View all 10 hospitals near 48009, MI to check quality before you enroll →
Hospital data from CMS Hospital Compare and Provider of Services file. Distance calculated from center of 48009, MI.
Telehealth in 48009, MI: Is Your Internet Ready?
Many Medicare Advantage and some Part D plans now include telehealth benefits, making routine check-ins and prescription refills easier from home. But telehealth requires reliable internet—here's a look at connectivity in 48009, MI. For official guidance on virtual visits, see Telehealth.HHS.gov from the U.S. Department of Health & Human Services.
Check Internet Providers at Your Address
Telehealth works best with reliable internet. Use this tool (provided free by ISP Reports) to see what's available at your address.
Opens ISP Reports in a new tab. This is not a paid relationship. Special thank you to ISP Reports for allowing free use of their address tool.
Internet Coverage in 48009, MI
Internet coverage data from ISP Reports. View full internet report for 48009, MI.
Medicare-Relevant Demographics in 48009, MI
Understanding 48009, MI's demographics helps contextualize why insurers offer the plans they do. Areas with more seniors and higher incomes tend to attract more insurer competition, while areas with higher Medicaid enrollment may have more Dual-Eligible Special Needs Plans (D-SNP) available.
Demographic data from U.S. Census Bureau American Community Survey (2023). View full 48009, MI demographics (BestNeighborhood.org).
Local Medicare FAQ: 48009, MI
Common decision points based on 48009, MI's specific plan market and local healthcare landscape.
How does 48009, MI's Medicare Advantage market compare?
48009, MI has 191 Medicare Advantage plans from 21 insurers. This is significantly above the national average of approximately 57 plans per area, indicating a highly competitive local market. More competition typically means lower premiums and better supplemental benefits for beneficiaries. The local mix includes 110 HMO and 80 PPO plans. Plan availability updates annually during the Medicare Annual Enrollment Period (October 15 – December 7).
Should I choose an HMO or PPO Medicare Advantage plan in 48009, MI?
With 10 hospitals within 25.0 miles, 48009, MI has strong provider density. HMO plans (110 available) typically have lower premiums but require referrals and in-network care. PPO plans (80 available) offer more flexibility to see out-of-network providers at higher cost. In 48009, MI, HMO plans dominate the market, which often means more competitive HMO pricing. Always verify your doctors are in-network before enrolling in any plan.
What's the real cost of $0 premium plans in 48009, MI?
163 plans (85% of available options) in 48009, MI charge $0 beyond the standard Part B premium. This high percentage reflects strong insurer competition in the area. However, $0 premium doesn't mean $0 cost. These plans may have higher copays, coinsurance, or out-of-pocket maximums. In 48009, MI, maximum out-of-pocket limits range from $1,000 to an average of $6,693. We recommend calculating your total expected annual cost (premium + copays + drug costs) rather than choosing based on premium alone.
How does the 2026 $2,000 drug cap affect 48009, MI beneficiaries?
The Inflation Reduction Act capped annual out-of-pocket drug spending at $2,000 starting in 2025, eliminating the old "donut hole" coverage gap. This applies to all 24 standalone Part D plans in 48009, MI.
What this means locally:
- Cost predictability — No matter which of the 24 Part D plans you choose, your drug costs are capped at $2,000/year
- $0 deductible options — Some local plans offer $0 deductibles, meaning coverage starts immediately
- Low-income options — 5 plans meet the regional benchmark for Extra Help/LIS eligibility
While the out-of-pocket cap standardizes maximum costs, formulary coverage still varies significantly between plans. A drug that costs $5/month on one plan's formulary might cost $50 on another. Always check that your specific medications are covered and compare tier placement before enrolling.
See all Medicare FAQs in our complete guide → · Enrollment checklist →
Medicare Glossary · Enrollment Dates & Deadlines · Doctor Questions
About the Data & Editorial Team
Wes Ward
Founder & Data Lead
Wes Ward is the founder of InsuranceDataNow.org and reviews all content for data accuracy and methodology compliance.
With 25+ years in data analytics — including work with highly regulated genomic data at Ancestry.com — Wes brings enterprise-level rigor to consumer data tools. He is also a co-founder of BestNeighborhood.org, CrimeGrade.org, and ISPReports.org.
Role: Reviews and approves all content for data accuracy, source verification, and methodology compliance.
Transparency & Disclosures
InsuranceDataNow is an advertising-supported publisher based in South Jordan, Utah. We are not affiliated with or endorsed by Medicare or the U.S. government.
TPMO Disclaimer: We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (24 hours a day/7 days a week) to get information on all of your options.
Sources
- CMS Medicare Plan Finder Data (Part C & D): cms.gov
- CMS Provider Directory: Hospital and pharmacy data from data.cms.gov
- American Community Survey: Demographic data from census.gov
- FCC Broadband Map: Internet availability data from broadbandmap.fcc.gov
- ISP Reports: Internet provider coverage for 48009, MI from ispreports.org
- Telehealth.HHS.gov: Official telehealth guidance from U.S. Dept. of Health & Human Services
- BestNeighborhood.org: Community demographic profiles for 48009, MI from bestneighborhood.org
All data is sourced from official government databases and trusted third-party providers. Data is updated regularly—see page header for last refresh dates.