Medicare plans
Lapeer County, MI
79 Medicare Advantage plans and 11 drug-only plans are offered in Lapeer County, MI for 2027. 52 of the Advantage plans have a $0 monthly premium.
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Data only, not plan advice. Confirm on Medicare.gov Plan Finder or 1-800-MEDICARE.
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Plans by type
| Type | Plans |
|---|---|
| Advantage without drug coverage | 8 |
| Advantage with drugs | 71 |
| Drug only | 11 |
| All plans | 90 |
25 of these are Special Needs Plans (SNPs), open only to people who qualify: 14 D-SNP for people with both Medicare and Medicaid, 8 C-SNP for people with certain chronic conditions and 3 I-SNP for people who live in a nursing home or need that level of care at home. The 11 drug-only plans are listed for all of Michigan.
Source: CMS Medicare Advantage and Part D landscape files, as of September 30, 2026. Publisher page
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Premiums and out-of-pocket limits
| Measure | 2027 |
|---|---|
| Advantage monthly premium | $0 to $241 |
| Advantage plans at $0 | 52 |
| Advantage out-of-pocket maximum (in network) | $4,000 to $9,850 |
| Drug-only monthly premium | $5.30 to $136.70 |
Source: CMS Medicare Advantage and Part D landscape files, as of September 30, 2026. Publisher page
Star Ratings
| Overall rating | Advantage plans |
|---|---|
| 3 stars | 18 |
| 3.5 stars | 20 |
| 4 stars | 21 |
| 4.5 stars | 15 |
| 5 stars | 1 |
| Too new to rate | 4 |
37 Advantage plans in Lapeer County, MI have an overall rating of 4 stars or more.
Source: CMS 2027 Medicare Part C and D Star Ratings, as of October 8, 2026. Publisher page
Source: CMS Medicare Advantage and Part D landscape files, as of September 30, 2026. Publisher page
Change from 2026
Lapeer County, MI has 79 Advantage plans in 2027, 2 more than 2026 (77). 11 plans are new to the county and 9 plans offered here in 2026 are gone. $0 plans go from 43 to 52.
| Advantage plans | 2026 | 2027 |
|---|---|---|
| Offered in the county | 77 | 79 |
| At a $0 premium | 43 | 52 |
| New for 2027 | 11 | |
| Offered in 2026, gone in 2027 | 9 |
Offered here in 2026, not in 2027
- Wellcare Simple Open (PPO) (H2117-001, Centene Corporation)
- Wellcare Dual Access Open (PPO D-SNP) (H2117-002, Centene Corporation)
- Wellcare Patriot Giveback Open (PPO) (H2117-003, Centene Corporation)
- Humana USAA Honor Giveback with Rx (PPO) (H5216-305, Humana Inc.)
- Wellcare Dual Reserve (HMO-POS D-SNP) (H5475-039, Centene Corporation)
- BCN Advantage Elements (HMO-POS) (H5883-001, Blue Cross Blue Shield of Michigan Mutual Ins. Co.)
- Humana USAA Honor Giveback with Rx (PPO) (H7617-071, Humana Inc.)
- Humana Gold Plus H8908-001 (HMO-POS) (H8908-001, Humana Inc.)
- Humana Gold Plus Chronic Kidney Disease (HMO C-SNP) (H8908-006, Humana Inc.)
Source: CMS Medicare Advantage and Part D landscape files, as of September 30, 2026. Publisher page
Source: CMS CY2026 Medicare Advantage and Part D landscape file, as of September 25, 2025. Publisher page
Plans by parent organization
| Parent organization | Advantage | Drug only | Total |
|---|---|---|---|
| Blue Cross Blue Shield of Michigan Mutual Ins. Co. | 7 | 2 | 9 |
| Centene Corporation | 5 | 2 | 7 |
| Corewell Health | 9 | 0 | 9 |
| Curana Health Holdings, LLC | 2 | 0 | 2 |
| CVS Health Corporation | 3 | 1 | 4 |
| Health Care Service Corporation | 0 | 1 | 1 |
| Henry Ford Health System | 13 | 0 | 13 |
| Humana Inc. | 15 | 3 | 18 |
| Longevity Health Founders, LLC | 1 | 0 | 1 |
| McLaren Health Care Corporation | 3 | 0 | 3 |
| Molina Healthcare, Inc. | 1 | 0 | 1 |
| Trinity Health Corporation | 4 | 0 | 4 |
| UnitedHealth Group, Inc. | 11 | 2 | 13 |
| Zing Health Consolidator, Inc | 5 | 0 | 5 |
Source: CMS Medicare Advantage and Part D landscape files, as of September 30, 2026. Publisher page
Every 2027 plan in Lapeer County, MI
90 plans, by plan name. Select a column to sort. Plan types: HMO (health maintenance organization) means you generally must use the plan's network of doctors and hospitals, except in an emergency; HMO-POS is an HMO with a point-of-service option that may cover some care outside the network, usually at a higher cost; PPO (preferred provider organization) means you can see doctors outside the network, usually at a higher cost; and a Regional PPO is a PPO offered across a whole CMS region of one or more states.
| Plan ↑ | Type | Premium | Out-of-pocket max | Drug deductible | Stars |
|---|---|---|---|---|---|
| AARP Medicare Advantage from UHC MI-0001 (PPO)H0294-017-000 · UnitedHealth Group, Inc. | Advantage with drugsPPO | $0 | $7,150 | $685 | 3 |
| AARP Medicare Advantage from UHC MI-0002 (PPO)H0294-018-000 · UnitedHealth Group, Inc. | Advantage with drugsPPO | $70 | $5,900 | $685 | 3 |
| AARP Medicare Advantage from UHC MI-4 (HMO-POS)H2736-001-000 · UnitedHealth Group, Inc. | Advantage with drugsHMO-POS | $0 | $5,900 | $685 | Too new to rate |
| AARP Medicare Advantage Patriot No Rx MI-MA01 (PPO)H0294-022-000 · UnitedHealth Group, Inc. | Advantage without drug coveragePPO | $0 | $6,700 | n/a | 3 |
| AARP Medicare Advantage Patriot No Rx MI-MA2 (HMO-POS)H2736-004-000 · UnitedHealth Group, Inc. | Advantage without drug coverageHMO-POS | $0 | $6,700 | n/a | Too new to rate |
| AARP Medicare Rx Preferred from UHC (PDP)S5921-394-000 · UnitedHealth Group, Inc. | Drug onlyPDP | $136.70 | n/a | $300 | 3 |
| AARP Medicare Rx Saver from UHC (PDP)S5921-358-000 · UnitedHealth Group, Inc. | Drug onlyPDP | $58.40 | n/a | $700 | 3 |
| Aetna Medicare Chronic Care (HMO C-SNP)H3192-033-000 · CVS Health Corporation | Advantage with drugsHMO C-SNP | $0 | $7,150 | $700 | 3.5 |
| Aetna Medicare Dual Care (HMO D-SNP)H3192-007-000 · CVS Health Corporation | Advantage with drugsHMO D-SNP | $0 | $9,850 | $700 | 3.5 |
| Aetna Medicare Signature (HMO-POS)H3192-003-000 · CVS Health Corporation | Advantage with drugsHMO-POS | $0 | $6,750 | $500 | 3.5 |
| BCN Advantage Classic (HMO-POS)H5883-002-004 · Blue Cross Blue Shield of Michigan Mutual Ins. Co. | Advantage with drugsHMO-POS | $117 | $4,800 | $200 | 4.5 |
| BCN Advantage Elements (HMO-POS)H5883-017-000 · Blue Cross Blue Shield of Michigan Mutual Ins. Co. | Advantage without drug coverageHMO-POS | $0 | $4,500 | n/a | 4.5 |
| BCN Advantage Prestige (HMO-POS)H5883-003-004 · Blue Cross Blue Shield of Michigan Mutual Ins. Co. | Advantage with drugsHMO-POS | $241 | $4,400 | $100 | 4.5 |
| HAP Medicare Complete Assist (PPO D-SNP)H2322-020-000 · Henry Ford Health System | Advantage with drugsPPO D-SNP | $6.30 | $9,850 | $700 | 3.5 |
| HAP Medicare Complete Duals (HMO D-SNP)H2354-025-000 · Henry Ford Health System | Advantage with drugsHMO D-SNP | $6.30 | $9,850 | $700 | 4 |
| HAP Medicare Connect (HMO)H2354-015-000 · Henry Ford Health System | Advantage with drugsHMO | $0 | $5,600 | $200 | 4 |
| HAP Medicare Diabetes and Heart (HMO C-SNP)H2354-030-000 · Henry Ford Health System | Advantage with drugsHMO C-SNP | $6.30 | $9,850 | $700 | 4 |
| HAP Medicare Explore (PPO)H2322-011-000 · Henry Ford Health System | Advantage with drugsPPO | $0 | $6,050 | $400 | 3.5 |
| HAP Medicare MedicalAccess (HMO)H2354-019-000 · Henry Ford Health System | Advantage without drug coverageHMO | $0 | $4,500 | n/a | 4 |
| HAP Medicare Prime (PPO)H2322-016-000 · Henry Ford Health System | Advantage with drugsPPO | $0 | $6,400 | $400 | 3.5 |
| HAP Medicare Superior (HMO)H2354-028-000 · Henry Ford Health System | Advantage with drugsHMO | $0 | $5,800 | $200 | 4 |
| HAP Member Assist (PPO)H2322-017-000 · Henry Ford Health System | Advantage with drugsPPO | $6.30 | $5,600 | $500 | 3.5 |
| HAP Senior Plus (HMO-POS)H2354-021-000 · Henry Ford Health System | Advantage with drugsHMO-POS | $105 | $4,650 | $0 | 4 |
| HAP Senior Plus (PPO)H2322-008-000 · Henry Ford Health System | Advantage with drugsPPO | $165 | $4,450 | $0 | 3.5 |
| HAP Senior Plus Henry Ford Tiered Access (HMO)H2354-018-000 · Henry Ford Health System | Advantage with drugsHMO | $95 | $4,750 | $0 | 4 |
| HealthSpring Assurance Rx (PDP)S5715-034-000 · Health Care Service Corporation | Drug onlyPDP | $9.30 | n/a | $700 | 2.5 |
| Henry Ford Select (HMO)H2354-029-000 · Henry Ford Health System | Advantage with drugsHMO | $0 | $4,950 | $200 | 4 |
| Humana Basic Rx Plan (PDP)S5884-136-000 · Humana Inc. | Drug onlyPDP | $6.30 | n/a | $700 | 4.5 |
| Humana Dual Select H5216-385 (PPO D-SNP)H5216-385-000 · Humana Inc. | Advantage with drugsPPO D-SNP | $0 | $9,850 | $0 | 4 |
| Humana Full Access (PPO)H5216-011-000 · Humana Inc. | Advantage with drugsPPO | $41 | $4,800 | $450 | 4 |
| Humana Full Access (PPO)H5216-384-000 · Humana Inc. | Advantage with drugsPPO | $0 | $5,200 | $600 | 4 |
| Humana Full Access (PPO)H7617-052-000 · Humana Inc. | Advantage with drugsPPO | $0 | $5,200 | $600 | 4.5 |
| Humana Full Access Giveback (PPO)H5216-306-000 · Humana Inc. | Advantage with drugsPPO | $0 | $9,850 | $150 | 4 |
| Humana Full Access Giveback (PPO)H7617-058-000 · Humana Inc. | Advantage with drugsPPO | $0 | $9,850 | $150 | 4.5 |
| Humana Full Access R0110-014 (Regional PPO)R0110-014-000 · Humana Inc. | Advantage with drugsRegional PPO | $89 | $7,050 | $700 | 3.5 |
| Humana Gold Plus H8908-004 (HMO-POS)H8908-004-000 · Humana Inc. | Advantage with drugsHMO-POS | $0 | $4,400 | $700 | 3.5 |
| Humana Gold Plus SNP-DE H8908-005 (HMO D-SNP)H8908-005-000 · Humana Inc. | Advantage with drugsHMO D-SNP | $0 | $9,850 | $700 | 3.5 |
| Humana Gold Plus SNP-DE H8908-007 (HMO D-SNP)H8908-007-000 · Humana Inc. | Advantage with drugsHMO D-SNP | $0 | $9,850 | $700 | 3.5 |
| Humana Premier Rx Plan (PDP)S5884-159-000 · Humana Inc. | Drug onlyPDP | $104.30 | n/a | $350 | 4.5 |
| Humana USAA Honor Giveback (PPO)H5216-190-000 · Humana Inc. | Advantage without drug coveragePPO | $0 | $6,550 | n/a | 4 |
| Humana USAA Honor Giveback (PPO)H7617-054-000 · Humana Inc. | Advantage without drug coveragePPO | $0 | $6,550 | n/a | 4.5 |
| Humana Value Plus H5216-382 (PPO)H5216-382-000 · Humana Inc. | Advantage with drugsPPO | $0 | $9,850 | $0 | 4 |
| Humana Value Rx Plan (PDP)S5884-192-000 · Humana Inc. | Drug onlyPDP | $17.20 | n/a | $687 | 4.5 |
| HumanaChoice - Diabetes and Heart (PPO C-SNP)H5216-375-000 · Humana Inc. | Advantage with drugsPPO C-SNP | $0 | $6,950 | $400 | 4 |
| HumanaChoice R0110-013 (Regional PPO)R0110-013-000 · Humana Inc. | Advantage without drug coverageRegional PPO | $0 | $6,550 | n/a | 3.5 |
| Longevity Health Plan (HMO I-SNP)H7557-001-000 · Longevity Health Founders, LLC | Advantage with drugsHMO I-SNP | $6.30 | $9,850 | $700 | 5 |
| McLaren Medicare Inspire (HMO)H6322-001-000 · McLaren Health Care Corporation | Advantage with drugsHMO | $0 | $6,600 | $615 | 3 |
| McLaren Medicare Inspire Giveback (HMO)H6322-008-000 · McLaren Health Care Corporation | Advantage with drugsHMO | $0 | $6,750 | $615 | 3 |
| McLaren Medicare Inspire Plus (HMO)H6322-002-000 · McLaren Health Care Corporation | Advantage with drugsHMO | $20 | $5,900 | $500 | 3 |
| Medicare Plus Blue Assure (PPO)H9572-003-004 · Blue Cross Blue Shield of Michigan Mutual Ins. Co. | Advantage with drugsPPO | $217.50 | $4,000 | $100 | 4.5 |
Source: CMS Medicare Advantage and Part D landscape files, as of September 30, 2026. Publisher page
Source: CMS 2027 Medicare Part C and D Star Ratings, as of October 8, 2026. Publisher page
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Neighboring counties
Health data for Lapeer County, MI
About this data
Plans, premiums, out-of-pocket maximums, and drug deductibles come from the CMS CY2027 Medicare Advantage and Part D landscape file. Change from 2026 compares it with the CY2026 landscape. Stars are the 2027 Star Ratings CMS released October 8, 2026: the overall rating for Advantage plans and the Part D summary rating for drug-only plans, which have no overall rating.
Advantage counts include Special Needs Plans (SNPs), which are open only to people who qualify: D-SNPs for people with both Medicare and Medicaid, C-SNPs for people with certain chronic conditions, and I-SNPs for people who live in a nursing home or need that level of care at home. Drug-only plans are listed by CMS for a whole state, so every county page shows them. Employer group plans are not in the file. This page lists plans; it does not say which plan fits anyone, and Rivvi does not sell plans.
Source: CMS Medicare Advantage and Part D landscape files, as of September 30, 2026. Publisher page
Source: CMS CY2026 Medicare Advantage and Part D landscape file, as of September 25, 2025. Publisher page
Source: CMS 2027 Medicare Part C and D Star Ratings, as of October 8, 2026. Publisher page