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.

📊 Direct from CMS 🚫 No agents or commissions ✓ Just the data, no sales pitch
Compare Plans 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).

Important: Plan availability, benefits, and CMS Star Ratings shown here come directly from CMS public files. Plan details can change—always verify with the insurer and at Medicare.gov.
Part C Plans
191
Part D Plans
24
Top MA Star
5.0
Top Drug Star
3.5
Happy senior couple reviewing Medicare plan options together

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 NameInsurerStar RatingPremiumType
Devoted Dual Full 013 Nc (HMO D-SNP)Devoted Health5.0 ★$0.00/moHMO D-SNPEnroll
Devoted C-Snp Premium 016 Nc (HMO C-SNP)Devoted Health5.0 ★$0.00/moHMO C-SNPEnroll
Devoted C-Snp Plus 015 Nc (HMO C-SNP)Devoted Health5.0 ★$0.00/moHMO C-SNPEnroll
Erickson Advantage Signature (HMO-POS)Unitedhealthcare5.0 ★$8.30/moHMO-POSEnroll
Devoted Giveback 012 Nc (HMO)Devoted Health5.0 ★$0.00/moHMOEnroll

Lowest Monthly Premium

Lower premiums can save money, but check total costs including deductibles, copays, and MOOP.

Plan NameInsurerMonthly PremiumMOOPStar Rating
Aetna Medicare Signature (PPO)Aetna Medicare$0.00/mo$5,9004.5 ★
Humana Gold Plus H1036-335 (HMO-POS)Humana$0.00/mo$3,9504.0 ★
Aarp Medicare Advantage From Uhc Nc-0015 (HMO-POS)Unitedhealthcare$0.00/mo$4,2004.0 ★
Uhc Dual Complete Nc-S3 (HMO-POS D-SNP)Unitedhealthcare$0.00/mo$9,2504.0 ★
Medicare Plus Blue Secure (PPO)Blue Cross Blue Shield Of Michigan$0.00/mo$6,7504.5 ★

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 NameInsurerMOOP (In-Network)PremiumStar Rating
Erickson Advantage Guardian (HMO-POS I-SNP)Unitedhealthcare$1,000$0.00/mo5.0 ★
Erickson Advantage Signature (HMO-POS)Unitedhealthcare$2,900$8.30/mo5.0 ★
Aarp Medicare Advantage Access From Uhc Nc-23 (PPO)Unitedhealthcare$3,000$102.00/mo4.5 ★
Healthspring Preferred Select (HMO)Healthspring$3,200$0.00/mo4.0 ★
Healthspring Preferred Plus (HMO)Healthspring$3,200$0.00/mo4.0 ★

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 TypeCountPercentageDescription
PPO6232.5%No referrals; in and out-of-network
HMO-POS3317.3%HMO with some out-of-network options
HMO2412.6%Requires referrals; in-network only
HMO D-SNP189.4%Medicare Advantage plan
HMO C-SNP136.8%Medicare Advantage plan
HMO-POS D-SNP115.8%Medicare Advantage plan
PPO D-SNP94.7%Medicare Advantage plan
HMO I-SNP73.7%Medicare Advantage plan
Regional PPO52.6%Medicare Advantage plan
PPO C-SNP31.6%Medicare Advantage plan
HMO-POS I-SNP21.0%Medicare Advantage plan
HMO-POS C-SNP21.0%Medicare Advantage plan
PFFS10.5%Private Fee-for-Service
PPO I-SNP10.5%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.

Devoted Health
Avg Star Rating
5.0 ★
9 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Devoted Choice 001 Nc (PPO)
$0.00/mo
$5,400
N/A
PPO
Devoted Choice Giveback 002 Nc (PPO)
$0.00/mo
$8,000
N/A
PPO
Devoted Choice Ma Only 007 Nc (PPO)
$0.00/mo
$9,250
N/A
PPO
Devoted C-Snp Premium 016 Nc (HMO C-SNP)
$0.00/mo
$4,900
5.0 ★
HMO C-SNP
Devoted Dual Plus 006 Nc (HMO D-SNP)
$0.00/mo
$9,250
5.0 ★
HMO D-SNP
Devoted Dual 009 Nc (HMO D-SNP)
$0.00/mo
$6,750
5.0 ★
HMO D-SNP
Devoted Giveback 012 Nc (HMO)
$0.00/mo
$8,900
5.0 ★
HMO
Devoted Dual Full 013 Nc (HMO D-SNP)
$0.00/mo
$9,250
5.0 ★
HMO D-SNP
Devoted C-Snp Plus 015 Nc (HMO C-SNP)
$0.00/mo
$9,250
5.0 ★
HMO C-SNP
Longevity Health Plan
Avg Star Rating
5.0 ★
2 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Longevity Health Plan (HMO I-SNP)
$0.00/mo
$9,250
5.0 ★
HMO I-SNP
Longevity Health Plan (HMO I-SNP)
$0.00/mo
$9,250
N/A
HMO I-SNP
Blue Cross Blue Shield Of Michigan
Avg Star Rating
4.5 ★
7 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Medicare Plus Blue Secure (PPO)
$0.00/mo
$6,750
4.5 ★
PPO
Medicare Plus Blue Giveback (PPO)
$0.00/mo
$9,250
4.5 ★
PPO
Medicare Plus Blue Essential (PPO)
$25.00/mo
$6,250
4.5 ★
PPO
Medicare Plus Blue + Meijer (PPO)
$35.00/mo
$6,750
4.5 ★
PPO
Medicare Plus Blue Vitality (PPO)
$57.00/mo
$5,000
4.5 ★
PPO
Medicare Plus Blue Signature (PPO)
$101.60/mo
$4,300
4.5 ★
PPO
Medicare Plus Blue Assure (PPO)
$189.00/mo
$4,000
4.5 ★
PPO
Blue Care Network
Avg Star Rating
4.5 ★
5 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Bcn Advantage Elements (HMO-POS)
$0.00/mo
$4,500
4.5 ★
HMO-POS
Bcn Advantage Prime Value (HMO-POS)
$25.40/mo
$5,000
4.5 ★
HMO-POS
Bcn Advantage Connectedcare (HMO)
$41.00/mo
$4,400
4.5 ★
HMO
Bcn Advantage Classic (HMO-POS)
$107.80/mo
$4,400
4.5 ★
HMO-POS
Bcn Advantage Prestige (HMO-POS)
$208.10/mo
$4,000
4.5 ★
HMO-POS
Trinity Health Plan Of Michigan
Avg Star Rating
4.5 ★
3 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Trinity Health Plan Of Michigan No Premium (HMO)
$0.00/mo
$4,500
4.5 ★
HMO
Trinity Health Plan Of Michigan Cash Back (HMO)
$0.00/mo
$7,500
4.5 ★
HMO
Trinity Health Plan Of Michigan Glory No Rx (HMO)
$0.00/mo
$6,500
4.5 ★
HMO
Blue Cross And Blue Shield Of North Carolina
Avg Star Rating
4.4 ★
8 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Blue Medicare Medical Only (HMO-POS)
$0.00/mo
$3,900
4.5 ★
HMO-POS
Blue Medicare Essential Plus (HMO-POS)
$0.00/mo
$4,900
4.5 ★
HMO-POS
Healthy Blue + Medicare (HMO-POS D-SNP)
$0.00/mo
$9,250
3.5 ★
HMO-POS D-SNP
Blue Medicare Freedom+ (PPO)
$0.00/mo
$9,250
4.5 ★
PPO
Blue Medicare Choice (HMO)
$0.00/mo
$4,200
4.5 ★
HMO
Blue Medicare Essential (HMO)
$0.00/mo
$9,250
4.5 ★
HMO
Blue Medicare Ppo Enhanced (PPO)
$6.00/mo
$6,300
4.5 ★
PPO
Blue Medicare Enhanced (HMO-POS)
$19.60/mo
$4,200
4.5 ★
HMO-POS
Priority Health Medicare
Avg Star Rating
4.2 ★
11 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Prioritymedicare Thrive (PPO)
$0.00/mo
$6,200
4.0 ★
PPO
Prioritymedicare Vital (PPO)
$0.00/mo
$6,300
4.0 ★
PPO
Prioritymedicare Edge (PPO)
$0.00/mo
$6,000
4.0 ★
PPO
Prioritymedicare Key (HMO-POS)
$0.00/mo
$5,800
4.5 ★
HMO-POS
Prioritymedicare (HMO-POS)
$0.00/mo
$4,500
4.5 ★
HMO-POS
Prioritymedicare D-Snp (HMO D-SNP)
$0.00/mo
$9,250
3.5 ★
HMO D-SNP
Prioritymedicare Smart Savings (HMO-POS)
$0.00/mo
$9,250
4.5 ★
HMO-POS
Prioritymedicare Vintage (HMO-POS)
$0.00/mo
$5,600
4.5 ★
HMO-POS
Prioritymedicare Thrive Plus (PPO)
$7.40/mo
$5,600
4.0 ★
PPO
Prioritymedicare Value (HMO-POS)
$13.90/mo
$5,100
4.5 ★
HMO-POS
Prioritymedicare Merit (PPO)
$31.40/mo
$4,200
4.0 ★
PPO
Unitedhealthcare
Avg Star Rating
4.1 ★
29 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Uhc Dual Complete Nc-S2 (PPO D-SNP)
$0.00/mo
$9,250
4.0 ★
PPO D-SNP
Uhc Nursing Home Plan Nc-F001 (PPO I-SNP)
$0.00/mo
$9,250
4.0 ★
PPO I-SNP
Uhc Complete Care Support Mi-3 (PPO C-SNP)
$0.00/mo
$6,700
3.5 ★
PPO C-SNP
Uhc Dual Complete Nc-S3 (HMO-POS D-SNP)
$0.00/mo
$9,250
4.0 ★
HMO-POS D-SNP
Aarp Medicare Advantage From Uhc Nc-0015 (HMO-POS)
$0.00/mo
$4,200
4.0 ★
HMO-POS
Uhc Dual Complete Nc-V001 (HMO-POS D-SNP)
$0.00/mo
$5,900
4.0 ★
HMO-POS D-SNP
Aarp Medicare Advantage Giveback From Uhc Nc-14 (HMO-POS)
$0.00/mo
$9,250
4.0 ★
HMO-POS
Uhc Dual Complete Nc-D001 (HMO-POS D-SNP)
$0.00/mo
$9,250
4.0 ★
HMO-POS D-SNP
Aarp Medicare Advantage Patriot No Rx Nc-Ma02 (HMO-POS)
$0.00/mo
$7,900
4.0 ★
HMO-POS
Erickson Advantage Liberty No Rx (HMO-POS)
$0.00/mo
$6,750
5.0 ★
HMO-POS
Erickson Advantage Guardian (HMO-POS I-SNP)
$0.00/mo
$1,000
5.0 ★
HMO-POS I-SNP
Aarp Medicare Advantage From Uhc Nc-0021 (HMO-POS)
$0.00/mo
$4,200
4.0 ★
HMO-POS
Aarp Medicare Advantage From Uhc Nc-0022 (HMO-POS)
$0.00/mo
$5,400
4.0 ★
HMO-POS
Erickson Advantage Liberty (HMO-POS)
$0.00/mo
$6,750
5.0 ★
HMO-POS
Uhc Dual Complete Nc-S001 (PPO D-SNP)
$0.00/mo
$9,250
4.0 ★
PPO D-SNP
Aarp Medicare Advantage From Uhc Nc-0016 (PPO)
$0.00/mo
$4,200
4.0 ★
PPO
Aarp Medicare Advantage From Uhc Nc-0017 (PPO)
$0.00/mo
$6,200
4.0 ★
PPO
Aarp Medicare Advantage From Uhc Mi-0001 (PPO)
$0.00/mo
$6,700
3.5 ★
PPO
Uhc Dual Complete Mi-S001 (PPO D-SNP)
$0.00/mo
$9,250
4.5 ★
PPO D-SNP
Aarp Medicare Advantage Patriot No Rx Mi-Ma01 (PPO)
$0.00/mo
$6,700
3.5 ★
PPO
Uhc Complete Care Nc-28 (HMO-POS C-SNP)
$0.00/mo
$4,200
4.0 ★
HMO-POS C-SNP
Uhc Dual Complete Mi-S3 (HMO D-SNP)
$0.00/mo
$9,250
3.5 ★
HMO D-SNP
Uhc Dual Complete Mi-V001 (HMO-POS D-SNP)
$0.00/mo
$6,700
3.5 ★
HMO-POS D-SNP
Erickson Advantage Freedom (HMO-POS)
$0.00/mo
$4,900
5.0 ★
HMO-POS
Uhc Dual Complete Mi-S002 (HMO-POS D-SNP)
$0.00/mo
$9,250
3.5 ★
HMO-POS D-SNP
Erickson Advantage Signature (HMO-POS)
$8.30/mo
$2,900
5.0 ★
HMO-POS
Aarp Medicare Advantage From Uhc Mi-0002 (PPO)
$22.00/mo
$5,400
3.5 ★
PPO
Erickson Advantage Champion (HMO-POS C-SNP)
$62.50/mo
$3,400
5.0 ★
HMO-POS C-SNP
Aarp Medicare Advantage Access From Uhc Nc-23 (PPO)
$102.00/mo
$3,000
4.5 ★
PPO
Aetna Medicare
Avg Star Rating
4.0 ★
18 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Aetna Medicare Signature (PPO)
$0.00/mo
$5,900
4.5 ★
PPO
Aetna Medicare Eagle Giveback (PPO)
$0.00/mo
$6,750
4.5 ★
PPO
Aetna Medicare Eagle (PPO)
$0.00/mo
$4,900
4.5 ★
PPO
Aetna Medicare Signature Giveback (PPO)
$0.00/mo
$7,500
4.5 ★
PPO
Aetna Medicare Signature Extra (PPO)
$0.00/mo
$4,700
4.5 ★
PPO
Aetna Medicare Signature (PPO)
$0.00/mo
$5,200
4.5 ★
PPO
Aetna Medicare Chronic Care (HMO C-SNP)
$0.00/mo
$6,750
3.0 ★
HMO C-SNP
Aetna Medicare Prime Care (HMO-POS)
$0.00/mo
$5,900
3.0 ★
HMO-POS
Aetna Medicare Full Dual Care (HMO D-SNP)
$0.00/mo
$9,250
3.0 ★
HMO D-SNP
Aetna Medicare Signature (HMO-POS)
$0.00/mo
$6,750
3.0 ★
HMO-POS
Aetna Medicare Chronic Care Value (HMO C-SNP)
$0.00/mo
$9,250
4.0 ★
HMO C-SNP
Aetna Medicare Chronic Care (HMO C-SNP)
$0.00/mo
$6,750
4.0 ★
HMO C-SNP
Aetna Medicare Full Dual Care (HMO D-SNP)
$0.00/mo
$9,250
4.0 ★
HMO D-SNP
Aetna Medicare Signature Care (HMO)
$0.00/mo
$6,350
4.0 ★
HMO
Aetna Medicare Dual (HMO D-SNP)
$0.00/mo
$9,250
4.0 ★
HMO D-SNP
Aetna Medicare Signature (HMO)
$0.00/mo
$5,500
4.0 ★
HMO
Aetna Medicare Enhanced (PPO)
$7.20/mo
$5,900
4.5 ★
PPO
Aetna Medicare Value Care (PPO)
$42.50/mo
$5,900
4.5 ★
PPO
Hap Senior Plus
Avg Star Rating
4.0 ★
8 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Hap Medicare Diabetes And Heart (HMO C-SNP)
$0.00/mo
$9,250
4.0 ★
HMO C-SNP
Hap Medicare Connect (HMO)
$0.00/mo
$5,000
4.0 ★
HMO
Hap Medicare Medicalaccess (HMO)
$0.00/mo
$4,500
4.0 ★
HMO
Hap Medicare Complete Duals (HMO D-SNP)
$0.00/mo
$9,250
4.0 ★
HMO D-SNP
Hap Medicare Superior (HMO)
$0.00/mo
$5,100
4.0 ★
HMO
Henry Ford Select (HMO)
$0.00/mo
$3,500
4.0 ★
HMO
Hap Senior Plus Henry Ford Tiered Access (HMO)
$83.70/mo
$4,750
4.0 ★
HMO
Hap Senior Plus (HMO-POS)
$91.50/mo
$4,550
4.0 ★
HMO-POS
Hap Senior Plus (Ppo)
Avg Star Rating
4.0 ★
5 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Hap Member Assist (PPO)
$0.00/mo
$5,200
4.0 ★
PPO
Hap Medicare Prime (PPO)
$0.00/mo
$5,650
4.0 ★
PPO
Hap Medicare Explore (PPO)
$0.00/mo
$5,400
4.0 ★
PPO
Hap Medicare Complete Assist (PPO D-SNP)
$0.00/mo
$9,250
4.0 ★
PPO D-SNP
Hap Senior Plus (PPO)
$122.40/mo
$4,150
4.0 ★
PPO
Healthteam Advantage
Avg Star Rating
4.0 ★
2 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Healthteam Advantage Eagle Plan (PPO)
$0.00/mo
$4,500
4.0 ★
PPO
Healthteam Advantage Vitality Plan (PPO)
$0.00/mo
$4,200
4.0 ★
PPO
Healthspring
Avg Star Rating
3.9 ★
8 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Healthspring Courage (HMO)
$0.00/mo
$6,750
4.0 ★
HMO
Healthspring Totalcare (HMO D-SNP)
$0.00/mo
$9,250
4.0 ★
HMO D-SNP
Healthspring Totalcare Plus (HMO D-SNP)
$0.00/mo
$8,200
4.0 ★
HMO D-SNP
Healthspring Preferred Savings (HMO)
$0.00/mo
$6,000
4.0 ★
HMO
Healthspring Preferred Plus (HMO)
$0.00/mo
$3,200
4.0 ★
HMO
Healthspring Preferred Select (HMO)
$0.00/mo
$3,200
4.0 ★
HMO
Healthspring True Choice (PPO)
$0.00/mo
$5,700
3.0 ★
PPO
Healthspring Preferred (HMO)
$0.00/mo
$3,450
4.0 ★
HMO
Humana
Avg Star Rating
3.6 ★
39 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Humana Usaa Honor Giveback (PPO)
$0.00/mo
$9,250
3.5 ★
PPO
Humana Usaa Honor Giveback With Rx (PPO)
$0.00/mo
$8,650
3.5 ★
PPO
Humana Full Access H5216-287 (PPO)
$0.00/mo
$4,800
3.5 ★
PPO
Humana Usaa Honor Giveback (PPO)
$0.00/mo
$6,550
3.5 ★
PPO
Humanachoice Giveback H5216-017 (PPO)
$0.00/mo
$9,250
3.5 ★
PPO
Humana Dual Select H1036-307 (HMO D-SNP)
$0.00/mo
$9,250
4.0 ★
HMO D-SNP
Humana Usaa Honor Giveback (PPO)
$0.00/mo
$6,550
4.5 ★
PPO
Humana Full Access H7617-055 (PPO)
$0.00/mo
$4,800
4.5 ★
PPO
Humana Full Access Giveback H7617-058 (PPO)
$0.00/mo
$9,150
4.5 ★
PPO
Humana Usaa Honor Giveback With Rx (PPO)
$0.00/mo
$8,650
4.5 ★
PPO
Humana Gold Plus H8908-004 (HMO-POS)
$0.00/mo
$4,250
3.0 ★
HMO-POS
Humana Gold Plus Snp-De H8908-005 (HMO D-SNP)
$0.00/mo
$9,250
3.0 ★
HMO D-SNP
Humana Gold Plus - Diabetes And Heart (HMO C-SNP)
$0.00/mo
$9,250
4.0 ★
HMO C-SNP
Humana Gold Plus Giveback H1036-318 (HMO-POS)
$0.00/mo
$9,250
4.0 ★
HMO-POS
Humana Gold Plus Snp-De H1036-331 (HMO D-SNP)
$0.00/mo
$9,250
4.0 ★
HMO D-SNP
Humana Gold Plus H1036-335 (HMO-POS)
$0.00/mo
$3,950
4.0 ★
HMO-POS
Humana Gold Plus Chronic Kidney Disease (HMO C-SNP)
$0.00/mo
$9,100
3.0 ★
HMO C-SNP
Humana Gold Plus Snp-De H8908-007 (HMO D-SNP)
$0.00/mo
$9,250
3.0 ★
HMO D-SNP
Humana Full Access Giveback H5216-306 (PPO)
$0.00/mo
$9,150
3.5 ★
PPO
Humana Full Access R0110-014 (REGIONAL PPO)
$0.00/mo
$6,550
3.5 ★
Regional PPO
Humanachoice R0110-013 (REGIONAL PPO)
$0.00/mo
$6,550
3.5 ★
Regional PPO
Humana Usaa Honor Giveback (REGIONAL PPO)
$0.00/mo
$9,250
3.5 ★
Regional PPO
Humanachoice R0110-004 (REGIONAL PPO)
$0.00/mo
$7,000
3.5 ★
Regional PPO
Humana Gold Plus H1036-137 (HMO-POS)
$0.00/mo
$9,250
4.0 ★
HMO-POS
Humana Gold Plus Snp-De H1036-167 (HMO D-SNP)
$0.00/mo
$9,250
4.0 ★
HMO D-SNP
Humanachoice Giveback H5525-035 (PPO)
$0.00/mo
$9,250
3.5 ★
PPO
Humanachoice Snp-De H5525-036 (PPO D-SNP)
$0.00/mo
$9,250
3.5 ★
PPO D-SNP
Humanachoice H5525-050 (PPO)
$0.00/mo
$9,250
3.5 ★
PPO
Humana Usaa Honor Giveback (PPO)
$0.00/mo
$9,250
3.5 ★
PPO
Humana Dual Select H5216-385 (PPO D-SNP)
$0.00/mo
$9,250
3.5 ★
PPO D-SNP
Humanachoice - Diabetes And Heart (PPO C-SNP)
$0.00/mo
$6,550
3.5 ★
PPO C-SNP
Humanachoice H5525-083 (PPO)
$0.00/mo
$9,250
3.5 ★
PPO
Humana Dual Select H5525-072 (PPO D-SNP)
$0.00/mo
$9,250
3.5 ★
PPO D-SNP
Humanachoice H5525-070 (PPO)
$0.00/mo
$9,250
3.5 ★
PPO
Humana Full Access H5216-011 (PPO)
$1.80/mo
$5,700
3.5 ★
PPO
Humana Gold Choice H8145-004 (PFFS)
$7.00/mo
$7,550
3.5 ★
PFFS
Humana Gold Plus H8908-001 (HMO-POS)
$19.20/mo
$3,950
3.0 ★
HMO-POS
Humana Full Access R0110-005 (REGIONAL PPO)
$34.80/mo
$9,250
3.5 ★
Regional PPO
Humanachoice H5216-211 (PPO)
$54.00/mo
$9,250
3.5 ★
PPO
Wellcare
Avg Star Rating
3.1 ★
17 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Wellcare Dual Access (HMO-POS D-SNP)
$0.00/mo
$9,250
3.0 ★
HMO-POS D-SNP
Wellcare Simple (HMO-POS)
$0.00/mo
$5,000
3.0 ★
HMO-POS
Wellcare Giveback (HMO-POS)
$0.00/mo
$7,550
3.0 ★
HMO-POS
Wellcare Patriot Giveback Open (PPO)
$0.00/mo
$5,000
3.0 ★
PPO
Wellcare Dual Liberty (HMO-POS D-SNP)
$0.00/mo
$9,250
3.5 ★
HMO-POS D-SNP
Wellcare Dual Reserve (HMO-POS D-SNP)
$0.00/mo
$9,250
3.5 ★
HMO-POS D-SNP
Wellcare Dual Access (HMO-POS D-SNP)
$0.00/mo
$9,250
3.5 ★
HMO-POS D-SNP
Wellcare Simple (HMO-POS)
$0.00/mo
$4,200
3.5 ★
HMO-POS
Wellcare Dual Reserve (HMO-POS D-SNP)
$0.00/mo
$4,200
3.0 ★
HMO-POS D-SNP
Wellcare Simple Open (PPO)
$0.00/mo
$4,300
3.0 ★
PPO
Wellcare Dual Liberty Open (PPO D-SNP)
$0.00/mo
$9,250
3.0 ★
PPO D-SNP
Wellcare Assist Open (PPO)
$0.00/mo
$4,201
3.0 ★
PPO
Wellcare Giveback Open (PPO)
$0.00/mo
$8,300
3.0 ★
PPO
Wellcare Patriot Giveback Open (PPO)
$0.00/mo
$8,850
3.0 ★
PPO
Wellcare Simple Open (PPO)
$0.00/mo
$5,200
3.0 ★
PPO
Wellcare Dual Access Open (PPO D-SNP)
$0.00/mo
$9,250
3.0 ★
PPO D-SNP
Wellcare Assist (HMO-POS)
$0.00/mo
$5,000
3.0 ★
HMO-POS
Mclaren Medicare
Avg Star Rating
3.0 ★
3 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Mclaren Medicare Inspire (HMO)
$0.00/mo
$6,300
3.0 ★
HMO
Mclaren Medicare Inspire Plus (HMO)
$0.00/mo
$5,900
3.0 ★
HMO
Mclaren Medicare Inspire Select (HMO)
$0.00/mo
$6,750
3.0 ★
HMO
Align Senior Care
Avg Star Rating
3.0 ★
2 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Premier Care (HMO-POS I-SNP)
$0.00/mo
$4,700
3.0 ★
HMO-POS I-SNP
Senior Care (HMO I-SNP)
$0.00/mo
$6,500
3.0 ★
HMO I-SNP
Molina Healthcare Of Michigan
Avg Star Rating
3.0 ★
1 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Molina Medicare Complete Care (HMO D-SNP)
$0.00/mo
$9,250
3.0 ★
HMO D-SNP
Zing Health
Avg Star Rating
2.5 ★
8 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Zing Select Care Mi (HMO)
$0.00/mo
$4,250
2.5 ★
HMO
Zing Select Diabetes & Heart Mi (HMO C-SNP)
$0.00/mo
$4,500
2.5 ★
HMO C-SNP
Zing Elite Select Mi (HMO)
$0.00/mo
$4,500
2.5 ★
HMO
Zing Open Choice Diabetes & Heart Mi (PPO C-SNP)
$0.00/mo
$4,950
2.5 ★
PPO C-SNP
Zing Open Choice Mi (PPO)
$0.00/mo
$4,950
2.5 ★
PPO
Zing Select Dialysis Mi (HMO C-SNP)
$0.00/mo
$5,445
2.5 ★
HMO C-SNP
Zing Elite Diabetes & Heart Mi (HMO C-SNP)
$0.00/mo
$4,500
2.5 ★
HMO C-SNP
Zing Elite Balance Mi (HMO C-SNP)
$0.00/mo
$4,500
2.5 ★
HMO C-SNP
Provider Partners Health Plans
Avg Star Rating
N/A
3 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Provider Partners North Carolina Advantage Plan (HMO I-SNP)
$0.00/mo
$9,250
N/A
HMO I-SNP
Provider Partners North Carolina Community Plan (HMO I-SNP)
$0.00/mo
$3,750
N/A
HMO I-SNP
Provider Partners North Carolina Essential Plan (HMO I-SNP)
$0.00/mo
$9,250
N/A
HMO I-SNP
Liberty Medicare Advantage
Avg Star Rating
N/A
3 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Liberty Medicare Advantage Nursing Home Plan (HMO I-SNP)
$0.00/mo
$6,800
N/A
HMO I-SNP
Liberty Medicare Advantage (HMO C-SNP)
$0.00/mo
$4,000
N/A
HMO C-SNP
Liberty Medicare Dual Plan (HMO D-SNP)
$0.00/mo
$7,550
N/A
HMO D-SNP

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.

Part D Formulary Notice: Each Part D plan has its own formulary (list of covered drugs). The same medication may be on different tiers—or not covered at all—depending on the plan. Always check that your specific medications are covered before enrolling.
2026 Out-of-Pocket Cap: Thanks to the Inflation Reduction Act, your total out-of-pocket drug costs are capped at $2,000 per year in 2026. Once you reach this limit, you pay nothing more for covered Part D drugs for the rest of the year. This eliminates the old "donut hole" coverage gap that previously caused higher costs.
Low Income Subsidy (LIS / Extra Help): If you have limited income and resources, you may qualify for Extra Help paying Part D costs. Visit SSA.gov or call 1-800-MEDICARE.

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 NameInsurerStar RatingPremiumDeductible
Wellcare Value Script (PDP)Wellcare3.5 ★$0.00/mo$615Enroll
Wellcare Value Script (PDP)Wellcare3.5 ★$3.60/mo$615Enroll
Wellcare Classic (PDP)Wellcare3.5 ★$0.00/mo$615Enroll
Wellcare Classic (PDP)Wellcare3.5 ★$4.70/mo$615Enroll
Humana Value Rx Plan (PDP)Humana3.0 ★$0.00/mo$601Enroll

Lowest Monthly Premium

Lower premiums help with monthly cash flow, but check drug tier costs and the deductible.

Plan NameInsurerMonthly PremiumDrug DeductibleStar Rating
Wellcare Value Script (PDP)Wellcare$0.00/mo$6153.5 ★
Humana Value Rx Plan (PDP)Humana$0.00/mo$6013.0 ★
Wellcare Classic (PDP)Wellcare$0.00/mo$6153.5 ★
Healthspring Assurance Rx (PDP)Healthspring$0.00/mo$6152.5 ★
Humana Basic Rx Plan (PDP)Humana$0.00/mo$6153.0 ★

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 NameInsurerDrug DeductibleMonthly PremiumStar Rating
Humana Premier Rx Plan (PDP)Humana$0$98.10/mo3.0 ★
Prescription Blue Premium (PDP)Blue Cross Blue Shield Of Michigan$0$106.70/mo2.5 ★
Humana Premier Rx Plan (PDP)Humana$0$110.90/mo3.0 ★
Blue Medicare Rx Enhanced (PDP)Blue Cross And Blue Shield Of North Carolina$0$163.20/mo3.0 ★
Aarp Medicare Rx Preferred From Uhc (PDP)Unitedhealthcare$130$78.30/mo2.0 ★
Understanding drug tiers: Part D plans organize medications into 5 cost tiers — Tier 1 (Preferred Generic) is cheapest; Tier 5 (Specialty) is most expensive. Two plans with the same premium can have very different costs for your drugs depending on tier placement. Learn more about drug tiers →

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.

Wellcare
Avg Star Rating
3.5 ★
4 plans
From $0.00/mo
Plan
Premium
Deductible
Stars
Type
Wellcare Classic (PDP)
$0.00/mo
$615
3.5 ★
PDP
Wellcare Value Script (PDP)
$0.00/mo
$615
3.5 ★
PDP
Wellcare Value Script (PDP)
$3.60/mo
$615
3.5 ★
PDP
Wellcare Classic (PDP)
$4.70/mo
$615
3.5 ★
PDP
Humana
Avg Star Rating
3.0 ★
6 plans
From $0.00/mo
Plan
Premium
Deductible
Stars
Type
Humana Value Rx Plan (PDP)
$0.00/mo
$601
3.0 ★
PDP
Humana Basic Rx Plan (PDP)
$0.00/mo
$615
3.0 ★
PDP
Humana Basic Rx Plan (PDP)
$6.80/mo
$615
3.0 ★
PDP
Humana Value Rx Plan (PDP)
$32.00/mo
$601
3.0 ★
PDP
Humana Premier Rx Plan (PDP)
$98.10/mo
$0
3.0 ★
PDP
Humana Premier Rx Plan (PDP)
$110.90/mo
$0
3.0 ★
PDP
Blue Cross And Blue Shield Of North Carolina
Avg Star Rating
3.0 ★
2 plans
From $83.90/mo
Plan
Premium
Deductible
Stars
Type
Blue Medicare Rx Standard (PDP)
$83.90/mo
$615
3.0 ★
PDP
Blue Medicare Rx Enhanced (PDP)
$163.20/mo
$0
3.0 ★
PDP
Aetna Medicare
Avg Star Rating
3.0 ★
2 plans
From $78.30/mo
Plan
Premium
Deductible
Stars
Type
Silverscript Choice (PDP)
$78.30/mo
$615
3.0 ★
PDP
Silverscript Choice (PDP)
$90.20/mo
$615
3.0 ★
PDP
Healthspring
Avg Star Rating
2.5 ★
4 plans
From $0.00/mo
Plan
Premium
Deductible
Stars
Type
Healthspring Assurance Rx (PDP)
$0.00/mo
$615
2.5 ★
PDP
Healthspring Extra Rx (PDP)
$50.40/mo
$615
2.5 ★
PDP
Healthspring Extra Rx (PDP)
$78.00/mo
$615
2.5 ★
PDP
Healthspring Assurance Rx (PDP)
$110.40/mo
$615
2.5 ★
PDP
Blue Cross Blue Shield Of Michigan
Avg Star Rating
2.5 ★
2 plans
From $78.40/mo
Plan
Premium
Deductible
Stars
Type
Prescription Blue Select (PDP)
$78.40/mo
$615
2.5 ★
PDP
Prescription Blue Premium (PDP)
$106.70/mo
$0
2.5 ★
PDP
Unitedhealthcare
Avg Star Rating
2.0 ★
4 plans
From $14.10/mo
Plan
Premium
Deductible
Stars
Type
Aarp Medicare Rx Saver From Uhc (PDP)
$14.10/mo
$615
2.0 ★
PDP
Aarp Medicare Rx Saver From Uhc (PDP)
$56.90/mo
$615
2.0 ★
PDP
Aarp Medicare Rx Preferred From Uhc (PDP)
$78.30/mo
$130
2.0 ★
PDP
Aarp Medicare Rx Preferred From Uhc (PDP)
$119.80/mo
$130
2.0 ★
PDP

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.

Compare Plans at Medicare.gov Call 1-800-MEDICARE

📋 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

92
within 5.0 miles

Chain Pharmacies

29
CVS, Walgreens, etc.

Independent Pharmacies

63
locally owned
PharmacyAddress & PhoneDistanceType
WOODWARD DETROIT CVS, L.L.C.444 S OLD WOODWARD AVE BIRMINGHAM, MI 480096610📞 248-864-07900.1 miChain
MILLS COMPOUNDING PHARMACY, LLC1744 W MAPLE RD STE B BIRMINGHAM, MI 480091545📞 248-863-28800.3 miIndependent
KROGER CO OF MICHIGAN685 E MAPLE RD BIRMINGHAM, MI 480096343📞 248-872-11560.3 miChain
WALGREEN CO34300 WOODWARD AVE BIRMINGHAM, MI 480090919📞 248-859-84500.3 miChain
PERRY DRUG STORES INC AND SUBSIDIARIES597 SOUTH ADAMS ROAD BIRMINGHAM, MI 480096756📞 248-864-44700.5 miIndependent
BILLNAT CORP33877 WOODWARD AVE BIRMINGHAM, MI 480090915📞 248-864-32140.6 miIndependent
BONNE SANTE COMPOUNDING PHARMACY LLC36700 WOODWARD AVE BLOOMFIELD HILLS, MI 483040926📞 249-979-29201.1 miIndependent
ONECARE PHARMACY LLC1744 W MAPLE RD BIRMINGHAM, MI 480091545📞 248-836-68681.1 miIndependent
MILLS PHARMACY INC1740 W MAPLE ROAD BIRMINGHAM, MI 48009📞 248-864-50601.1 miIndependent
BORMANS INC1237 COOLIDGE HWY TROY, MI 480847012📞 248-864-17641.4 miIndependent

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.

Note: The facilities below do not indicate which providers are in-network for any specific plan. Always verify network status with your plan before enrolling.

Hospitals Nearby

10
within 25.0 miles

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.

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.

Questions to ask your doctor about Medicare coverage →

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.

Internet Coverage in 48009, MI

Fiber Available
88.8%
of households
Cable/DSL Available
99.8%
of households
Top Provider
AT&T
99.8% coverage
No Broadband
0.9%
of households

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.

Total Population
21,896
Population 65+
3,746
17.1% of total
Median Age
43
4.6 years older than the national average
Median Income
$171,455
128.2% above the National Average
On Medicare
3,338
15.2% of residents
On Medicaid
550
2.5% of residents
Uninsured
272
1.2% of residents
Social Security Recipients
5,927
27.1% of population

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

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.

View full profile →LinkedIn

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

All data is sourced from official government databases and trusted third-party providers. Data is updated regularly—see page header for last refresh dates.

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