Plans as low as $0 monthly premiums
Find the right Medicare plan for you
- 2024 Medicare Advantage Plan Facts for Harsens Island
- Why Choose a Medicare Advantage Plan?
- Medicare Advantage Companies in Harsens Island
- Top 5 Medicare Advantage Insurance Companies in Harsens Island
- 2024 Harsens Island Medicare Advantage Plans
- Top 9 Medicare Advantage Plans with the Highest Star Ratings in Harsens Island
- Types of Medicare Advantage Plans Available in Harsens Island
- When to Enroll in a Medicare Advantage Plan in Harsens Island
- Medicare Doctors Near Me in Harsens Island, Michigan
- Frequently Asked Questions
While there are 99 Medicare Advantage plans in Michigan, there are 56 plans available to you in Harsens Island, Michigan. Harsens Island is located in St. Clair County. Connie Health gathered the plan cost and coverage information that matters most to you. Continue reading to discover the Medicare Advantage plan right for your health & budget and when to enroll.
2024 Medicare Advantage Plan Facts for Harsens Island
- 60.86% of Medicare beneficiaries are enrolled in a Medicare Advantage plan in Harsens Island.
- All Medicare beneficiaries in Harsens Island have access to a $0 premium plan.
- There are 33 $0 premium Medicare Advantage plans available in Harsens Island.
- For those that pay a premium, the average is $75.73 per month.
- The average out-of-pocket maximum is $5,048.48 per year.
- The average prescription drug plan deductible (for plans that include Part D) is $327.50 per month.
- There are 39 plans available in Harsens Island that Medicare rated four stars or higher.
- There are 3 Medicare Advantage plan types you can choose from, including: Local HMO, Local PPO, Regional PPO.
Speak with a local licensed insurance agent
(Monday-Saturday 8am - 8pm, Sunday 9am - 5pm)
No obligation to enroll
1-888-813-8911(TTY: 711)
Why Choose a Medicare Advantage Plan?
There are three primary reasons you may choose to enroll in a Medicare Advantage plan:
- Low or no-cost monthly premiums,
- Lower out-of-pocket costs, and
- Additional benefits such as comprehensive dental, vision, hearing, and more.
1. Low or no-cost monthly premiums
You have access to a Medicare Advantage plan as low as $0 monthly. If you don't qualify for a $0 premium plan, the average is $75.73 per month. This premium is low, especially compared to a Medicare Supplement plan or your Part B premiums.
2. Lower out-of-pocket costs
Original Medicare doesn't cap their out-of-pocket costs, so you could end up with unexpectedly high medical bills. With Original Medicare Part B, you must pay the premium, deductible, and 20% coinsurance for Medicare-approved services and procedures. The 20% can add up.
3. Additional benefits not available with Original Medicare
Want routine dental coverage? Medicare Part A (hospital insurance) and Medicare Part B (medical insurance) don't offer comprehensive dental, vision, or hearing coverage. These services would be entirely out-of-pocket for you.
The good news? Medicare Advantage plans have low or no-cost premiums, an out-of-pocket maximum, offer additional benefits, and are regulated by the Centers for Medicare & Medicaid Services (CMS). With a Medicare Advantage plan, you could receive prescription drug coverage, routine dental, vision, hearing, transportation, reduced cost-sharing, a gym membership, and more.
Medicare Advantage Companies in Harsens Island
12 insurance companies offer Medicare Advantage plans in Harsens Island.
| Medicare Advantage Insurance Companies in Harsens Island |
|---|
| Aetna Medicare |
| Blue Care Network |
| Blue Cross Blue Shield |
| CCA Health Michigan |
| HAP Senior Plus |
| HAP Senior Plus (PPO) |
| Humana |
| McLaren Medicare |
| Molina Healthcare |
| Priority Health Medicare |
| Wellcare |
| Wellcare by Allwell |
Top 5 Medicare Advantage Insurance Companies in Harsens Island
These 5 Medicare Advantage insurance companies enroll the largest amount of Medicare beneficiaries in Harsens Island. They offer the most popular plans.
| # | Medicare Advantage Insurance Companies in Harsens Island |
|---|---|
| 1 | Bcbs Of Michigan Mutual Insurance Company |
| 2 | Humana Insurance Company |
| 3 | Blue Care Network Of Michigan |
| 4 | Humana Medical Plan Of Michigan, Inc. |
| 5 | Aetna Health Of Michigan Inc. |
2024 Harsens Island Medicare Advantage Plans
There are 56 Medicare Advantage plans to choose from in Harsens Island. Below are the many available options. Click on any of the links to review additional plan details.
| Medicare Advantage Plan Name | Plan Type | Monthly Plan Premium | Maximum Out-of-Pocket | Rx Deductible | Medicare Star Rating |
|---|---|---|---|---|---|
| PriorityMedicare Key (HMO-POS) | Local HMO | $0.00 | $5,000.00 | $0.00 | 4.5 |
| PriorityMedicare (HMO-POS) | Local HMO | $79.00 | $4,500.00 | $0.00 | 4.5 |
| PriorityMedicare Value (HMO-POS) | Local HMO | $31.00 | $4,900.00 | $75.00 | 4.5 |
| HAP Senior Plus (PPO) | Local PPO | $165.00 | $4,000.00 | $0.00 | 4.5 |
| HAP Medicare Explore (PPO) | Local PPO | $0.00 | $5,200.00 | $0.00 | 4.5 |
| PriorityMedicare Merit (PPO) | Local PPO | $73.00 | $4,100.00 | $0.00 | 4.5 |
| PriorityMedicare Select (PPO) | Local PPO | $147.00 | $3,500.00 | $0.00 | 4.5 |
| PriorityMedicare Ideal (PPO) | Local PPO | $19.00 | $5,800.00 | $125.00 | 4.5 |
| PriorityMedicare Edge (PPO) | Local PPO | $0.00 | $5,300.00 | $0.00 | 4.5 |
| PriorityMedicare Vital (PPO) | Local PPO | $0.00 | $5,100.00 | $350.00 | 4.5 |
| Humana USAA Honor (PPO) | Local PPO | $0.00 | $5,500.00 | - | 4.5 |
| Humana USAA Honor with Rx (PPO) | Local PPO | $0.00 | $8,850.00 | $350.00 | 4.5 |
| HumanaChoice H5216-306 (PPO) | Local PPO | $0.00 | $7,550.00 | $545.00 | 4.5 |
| HumanaChoice H5216-380 (PPO) | Local PPO | $19.00 | $5,900.00 | $0.00 | 4.5 |
| Humana Value Plus H5216-382 (PPO) | Local PPO | $28.20 | $8,850.00 | $260.00 | 4.5 |
| HumanaChoice H5216-384 (PPO) | Local PPO | $0.00 | $5,300.00 | $0.00 | 4.5 |
| HAP Medicare Connect (HMO) | Local HMO | $0.00 | $4,500.00 | $0.00 | 4 |
| HAP Medicare MedicalAccess (HMO) | Local HMO | $0.00 | $4,500.00 | - | 4 |
| HAP Senior Plus (HMO-POS) | Local HMO | $110.00 | $4,500.00 | $0.00 | 4 |
| HAP MSUHC Medicare (HMO) | Local HMO | $0.00 | $4,900.00 | $0.00 | 4 |
| Aetna Medicare Value (PPO) | Local PPO | $0.00 | $4,950.00 | $0.00 | 4 |
| Aetna Medicare Premier Plus (PPO) | Local PPO | $20.00 | $4,500.00 | $0.00 | 4 |
| Aetna Medicare Eagle (PPO) | Local PPO | $0.00 | $4,390.00 | - | 4 |
| Aetna Medicare Value Plus (PPO) | Local PPO | $31.00 | $4,550.00 | $400.00 | 4 |
| Aetna Medicare SmartFit (PPO) | Local PPO | $0.00 | $4,200.00 | $250.00 | 4 |
| BCN Advantage Elements (HMO-POS) | Local HMO | $0.00 | $4,500.00 | - | 4 |
| BCN Advantage HMO-POS Classic (HMO-POS) | Local HMO | $102.00 | $3,800.00 | $0.00 | 4 |
| BCN Advantage HMO-POS Prestige (HMO-POS) | Local HMO | $226.00 | $3,400.00 | $0.00 | 4 |
| BCN Advantage HMO ConnectedCare (HMO) | Local HMO | $56.00 | $3,800.00 | $0.00 | 4 |
| BCN Advantage HMO-POS Community Value (HMO-POS) | Local HMO | $17.00 | $4,300.00 | $0.00 | 4 |
| BCN Advantage HMO-POS Prime Value (HMO-POS) | Local HMO | $0.00 | $4,500.00 | $0.00 | 4 |
| Medicare Plus Blue PPO Signature (PPO) | Local PPO | $120.00 | $4,700.00 | $0.00 | 4 |
| Medicare Plus Blue PPO Vitality (PPO) | Local PPO | $78.00 | $5,000.00 | $0.00 | 4 |
| Medicare Plus Blue PPO Assure (PPO) | Local PPO | $216.00 | $3,425.00 | $0.00 | 4 |
| Medicare Plus Blue PPO Essential (PPO) | Local PPO | $0.00 | $5,200.00 | $0.00 | 4 |
| Medicare Plus Blue PPO Part B Credit (PPO) | Local PPO | $0.00 | $6,550.00 | $350.00 | 4 |
| Medicare Plus Blue + Meijer (PPO) | Local PPO | $0.00 | $5,200.00 | $0.00 | 4 |
| HumanaChoice R3887-001 (Regional PPO) | Regional PPO | $0.00 | $4,200.00 | - | 4 |
| HumanaChoice R3887-002 (Regional PPO) | Regional PPO | $105.00 | $4,500.00 | $545.00 | 4 |
| Aetna Medicare Premier (HMO-POS) | Local HMO | $0.00 | $3,900.00 | $0.00 | 3.5 |
| Humana Gold Plus H8908-001 (HMO-POS) | Local HMO | $48.00 | $3,900.00 | $0.00 | 3.5 |
| Humana Gold Plus H8908-004 (HMO-POS) | Local HMO | $0.00 | $4,500.00 | $0.00 | 3.5 |
| Wellcare Complete No Premium (HMO) | Local HMO | $0.00 | $4,500.00 | $0.00 | 3 |
| Wellcare Complete - Giveback (HMO) | Local HMO | $0.00 | $7,550.00 | $500.00 | 3 |
| Wellcare No Premium Open (PPO) | Local PPO | $0.00 | $5,000.00 | $275.00 | 2.5 |
| Wellcare Patriot Giveback Open (PPO) | Local PPO | $0.00 | $5,000.00 | - | 2.5 |
| Wellcare Low Premium (HMO-POS) | Local HMO | $9.00 | $5,000.00 | $0.00 | 2.5 |
| Wellcare No Premium (HMO-POS) | Local HMO | $0.00 | $5,500.00 | $0.00 | 2.5 |
| Wellcare Giveback (HMO) | Local HMO | $0.00 | $7,550.00 | $315.00 | 2.5 |
| Wellcare Assist (HMO) | Local HMO | $17.50 | $5,000.00 | $400.00 | 2.5 |
| Molina Medicare Choice Care (HMO) | Local HMO | $0.00 | $8,300.00 | $125.00 | 2.5 |
| Molina Medicare Choice Care Select (HMO) | Local HMO | $0.00 | $8,300.00 | $375.00 | 2.5 |
Top 39 Medicare Advantage Plans with the Highest Star Ratings in Harsens Island
The Centers for Medicare and Medicaid Services (CMS) rates all Medicare Advantage plans on a scale of 1 to 5 stars. Plans with one star are considered “poor,” while those with five stars are considered “excellent.” Any plan that is four stars and higher is a “top-rated” plan. These are the plans with the highest star ratings in Harsens Island.
| # | Plan Name | Plan Type | Monthly Plan Premium | Maximum Out-of-Pocket | Rx Deductible | Medicare Star Rating |
|---|---|---|---|---|---|---|
| 1 | PriorityMedicare Key (HMO-POS) | Local HMO | $0.00 | $5,000.00 | $0.00 | 4.5 |
| 2 | PriorityMedicare (HMO-POS) | Local HMO | $79.00 | $4,500.00 | $0.00 | 4.5 |
| 3 | PriorityMedicare Value (HMO-POS) | Local HMO | $31.00 | $4,900.00 | $75.00 | 4.5 |
| 4 | HAP Senior Plus (PPO) | Local PPO | $165.00 | $4,000.00 | $0.00 | 4.5 |
| 5 | HAP Medicare Explore (PPO) | Local PPO | $0.00 | $5,200.00 | $0.00 | 4.5 |
| 6 | PriorityMedicare Merit (PPO) | Local PPO | $73.00 | $4,100.00 | $0.00 | 4.5 |
| 7 | PriorityMedicare Select (PPO) | Local PPO | $147.00 | $3,500.00 | $0.00 | 4.5 |
| 8 | PriorityMedicare Ideal (PPO) | Local PPO | $19.00 | $5,800.00 | $125.00 | 4.5 |
| 9 | PriorityMedicare Edge (PPO) | Local PPO | $0.00 | $5,300.00 | $0.00 | 4.5 |
| 10 | PriorityMedicare Vital (PPO) | Local PPO | $0.00 | $5,100.00 | $350.00 | 4.5 |
| 11 | Humana USAA Honor (PPO) | Local PPO | $0.00 | $5,500.00 | - | 4.5 |
| 12 | Humana USAA Honor with Rx (PPO) | Local PPO | $0.00 | $8,850.00 | $350.00 | 4.5 |
| 13 | HumanaChoice H5216-306 (PPO) | Local PPO | $0.00 | $7,550.00 | $545.00 | 4.5 |
| 14 | HumanaChoice H5216-380 (PPO) | Local PPO | $19.00 | $5,900.00 | $0.00 | 4.5 |
| 15 | Humana Value Plus H5216-382 (PPO) | Local PPO | $28.20 | $8,850.00 | $260.00 | 4.5 |
| 16 | HumanaChoice H5216-384 (PPO) | Local PPO | $0.00 | $5,300.00 | $0.00 | 4.5 |
| 17 | HAP Medicare Connect (HMO) | Local HMO | $0.00 | $4,500.00 | $0.00 | 4 |
| 18 | HAP Medicare MedicalAccess (HMO) | Local HMO | $0.00 | $4,500.00 | - | 4 |
| 19 | HAP Senior Plus (HMO-POS) | Local HMO | $110.00 | $4,500.00 | $0.00 | 4 |
| 20 | HAP MSUHC Medicare (HMO) | Local HMO | $0.00 | $4,900.00 | $0.00 | 4 |
| 21 | Aetna Medicare Value (PPO) | Local PPO | $0.00 | $4,950.00 | $0.00 | 4 |
| 22 | Aetna Medicare Premier Plus (PPO) | Local PPO | $20.00 | $4,500.00 | $0.00 | 4 |
| 23 | Aetna Medicare Eagle (PPO) | Local PPO | $0.00 | $4,390.00 | - | 4 |
| 24 | Aetna Medicare Value Plus (PPO) | Local PPO | $31.00 | $4,550.00 | $400.00 | 4 |
| 25 | Aetna Medicare SmartFit (PPO) | Local PPO | $0.00 | $4,200.00 | $250.00 | 4 |
| 26 | BCN Advantage Elements (HMO-POS) | Local HMO | $0.00 | $4,500.00 | - | 4 |
| 27 | BCN Advantage HMO-POS Classic (HMO-POS) | Local HMO | $102.00 | $3,800.00 | $0.00 | 4 |
| 28 | BCN Advantage HMO-POS Prestige (HMO-POS) | Local HMO | $226.00 | $3,400.00 | $0.00 | 4 |
| 29 | BCN Advantage HMO ConnectedCare (HMO) | Local HMO | $56.00 | $3,800.00 | $0.00 | 4 |
| 30 | BCN Advantage HMO-POS Community Value (HMO-POS) | Local HMO | $17.00 | $4,300.00 | $0.00 | 4 |
| 31 | BCN Advantage HMO-POS Prime Value (HMO-POS) | Local HMO | $0.00 | $4,500.00 | $0.00 | 4 |
| 32 | Medicare Plus Blue PPO Signature (PPO) | Local PPO | $120.00 | $4,700.00 | $0.00 | 4 |
| 33 | Medicare Plus Blue PPO Vitality (PPO) | Local PPO | $78.00 | $5,000.00 | $0.00 | 4 |
| 34 | Medicare Plus Blue PPO Assure (PPO) | Local PPO | $216.00 | $3,425.00 | $0.00 | 4 |
| 35 | Medicare Plus Blue PPO Essential (PPO) | Local PPO | $0.00 | $5,200.00 | $0.00 | 4 |
| 36 | Medicare Plus Blue PPO Part B Credit (PPO) | Local PPO | $0.00 | $6,550.00 | $350.00 | 4 |
| 37 | Medicare Plus Blue + Meijer (PPO) | Local PPO | $0.00 | $5,200.00 | $0.00 | 4 |
| 38 | HumanaChoice R3887-001 (Regional PPO) | Regional PPO | $0.00 | $4,200.00 | - | 4 |
| 39 | HumanaChoice R3887-002 (Regional PPO) | Regional PPO | $105.00 | $4,500.00 | $545.00 | 4 |
Find the right Medicare plan for you
Types of Medicare Advantage Plans Available in Harsens Island
There are 3 Medicare Advantage plan types you can choose from in Harsens Island. These include: Local HMO, Local PPO, Regional PPO. Not sure which is the best plan for your health needs and budget? We'll walk you through the most popular plan types: Local HMO, Local PPO, Regional PPO. At the end of this section, you'll understand the difference between these three most popular plan types.
Medicare Advantage HMO Plans
You have 28 Medicare Advantage HMO plans to choose from in Harsens Island. An HMO, or Health Maintenance Organization, is a type of health plan that limits coverage to in-network care from doctors who work for or contract with the HMO. Typically, HMO plans won't cover out-of-network care except in an emergency.
Medicare Advantage PPO Plans
There are 28 Medicare Advantage PPO plans in Harsens Island. A PPO, or Preferred Provider Organization, is a type of health plan where you pay less to use doctors in the plan's network. Unlike an HMO, you can see doctors and specialists and use a hospital outside the network without a referral for an additional cost.
Medicare Advantage Special Needs Plans (SNPs)
Special Needs Plans, or SNPs, are a type of Medicare Advantage plan. There are two types of Special Needs Plans that may be available to you: Chronic Special Needs Plans (C-SNP) and Dual Special Needs Plans (D-SNP).
Chronic Special Needs Plans (C-SNP) are limited to people with specific illnesses or characteristics. For example, you may qualify for a C-SNP if you have diabetes, End-Stage Renal Disease (ESRD), HIV/AIDS, dementia, chronic heart failure, or other qualifying illness. Medicare C-SNPs tailor benefits, provider choices, and drug formularies to meet the needs of the special needs groups they serve.
You may qualify for a Dual Special Needs Plan (D-SNP) if you are eligible for Medicare and Medicaid. With a D-SNP, the State of Michigan may cover your Medicare costs, depending on your eligibility.
Veteran Benefits & Medicare
If you or your spouse are veterans, you likely have VA benefits. However, the U.S. Department of Veteran Affairs encourages you to sign up for Medicare as soon as you are eligible. Here are three reasons you should speak to a local licensed agent about how VA benefits and Medicare work together:
- Having Medicare means you're covered when you need care from a non-VA hospital or doctor, which also offers you greater health options.
- VA benefits and health care could change in the future, so you should enroll in every health care benefit that you are eligible for.
- If you lose VA benefits and aren't enrolled in Medicare, you could face Medicare Part B and Part D lifetime late enrollment penalties.
Speak with a local licensed insurance agent
(Monday-Saturday 8am - 8pm, Sunday 9am - 5pm)
No obligation to enroll
1-888-813-8911(TTY: 711)
When to Enroll in a Medicare Advantage Plan in Harsens Island
Knowing when to enroll or make plan changes can help you save money.
Enrolling in a Medicare Advantage plan for the first time, or are you interested in making a plan change? Skip to the section that applies to you - and mark the dates in your calendar.
Enroll for the First Time
If you're new to Medicare, the best time to enroll in a Medicare Advantage plan is during your Initial Enrollment Period. If you miss that, you can still enroll during the General Enrollment Period (January 1 - March 31) or Special Enrollment Period, but likely with penalties.
Make a Plan Change
The best time to make a plan change is during the Medicare Annual Enrollment Period (October 15 - December 7). During this time, anyone enrolled in Medicare can review their plan options for the coming year and ensure that their plan choice meets their health and budget needs.
If you need to make a plan change because you moved to a new service area or lost coverage, among other reasons, you could qualify for a Special Enrollment Period.
Whether you're enrolling for the first time or making a plan change, a Medicare Advantage plan could fit your health and budget needs. Medicare in Michigan can be confusing, and you don't have to sift through your options alone.
Medicare Doctors Near Me in Harsens Island, Michigan
Struggling to find a trustworthy doctor who accepts your Medicare plan? It can be a daunting task but don't worry. With Connie Health, you can easily locate Medicare doctors near you.
No more endless phone calls or web searches. Our platform lets you enter your address and plan information (if you have it), and we'll do the rest. Let us help you eliminate the stress of finding a physician who accepts Medicare.
Why Connie Health
Local licensed insurance agents:
Independent agents, who live and work in your community, can help you access the best care for you in your area.
Compare all major insurance:
Our technology will help you find the plan that best fits your budget and health needs.
Our service is free:
You receive unbiased advice since our agents receive the same commission regardless of the insurance plan selected.
Ongoing support:
Once you have selected an insurance plan, your dedicated team will help you use your benefits and answer your questions.
Speak with a local licensed insurance agent
(Monday-Saturday 8am - 8pm, Sunday 9am - 5pm)
No obligation to enroll
1-888-813-8911(TTY: 711)
Frequently Asked Questions
Let us help you eliminate the stress of finding a physician who accepts Medicare. Find your Medicare doctor today.
- Compare the costs, including premiums, deductibles, co-pays, and out-of-pocket maximums.
- Look into the plan's network of doctors and hospitals.
- Review the additional benefits offered, such as dental, vision, and hearing coverage.
- Check the plan's star rating, which indicates its quality and performance.
- Ensure the plan covers your medications if you need prescription drug coverage.
- Compare costs, coverage options, and additional benefits.
- Review each plan’s network of providers.
- Check the star ratings for quality and performance.
- Evaluate customer reviews and feedback.
Medicare Advantage plans may be available in the following zip codes in Harsens Island, Michigan: 48028.
Sources
“Explore your Medicare coverage options.” Medicare.gov.
“MA State/County Penetration.” CMS.gov.
“Monthly MA Enrollment by State/County/Contract.” CMS.gov.
“Prescription Drug Coverage - General Information.” CMS.gov.
“VA healthcare and other insurance.” U.S. Department of Veterans Affairs (VA.gov).
Last updated: November 5, 2024