County guide · Kalkaska County, MI · 2027 plan year
Original Medicare vs Medicare Advantage in Kalkaska County, MI
This guide lists 40 Medicare Advantage plans for 2027 in Kalkaska County, with the yearly cost of each one next to Original Medicare with Medigap. Special needs plans are not on this list.
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- Plans
- 40
- $0 premium
- 25 plans
- Lowest in-network limit
- $4,000
- Highest in-network limit
- $9,850
In most states, including Michigan, you cannot count on getting Medigap later
You can buy any Medigap plan with no health questions in the 6 months that start when you are 65 or older and have Part B. After that, a Medigap company in Michigan can ask about your health. It can say no, or it can charge you more. So if you join a Medicare Advantage plan now, you may not be able to get Medigap later.
One exception is the trial right. If you joined Medicare Advantage when you first got Medicare at 65, or you left a Medigap plan to try Medicare Advantage for the first time, you can switch back within 12 months. Then you can buy a Medigap plan with no health questions.
Read about Medigap rights on Medicare.govYearly cost of each plan
Totals include premiums, the Part B premium, copays, and drug costs for three levels of care. A light year is checkups and a few visits. A regular year has ongoing specialist care. A heavy year has frequent care and a 5-day hospital stay.
| Plan | Monthly premiums | Yearly limit on medical costs | Stars | Prior authorization | Light year | Regular year | Heavy year |
|---|---|---|---|---|---|---|---|
| Original Medicare with Medigap Plan Gand the lowest-cost drug plan | Part B $209.50 + Plan G + a drug plan from $5.30 | $292 Part B deductible, then Plan G pays | Not rated | Short list of services | We have no checked Medigap price for this county yet. Check Medigap prices on Medicare.gov | ||
| Humana Full Access Giveback (PPO)PPO from Humana · Plan ID H7617-058 · Medicare.govIts page is set for Wayne County, MI | $0 plan + Part B $209.50 (the plan pays back $99 of Part B) | $9,850 in network; $14,800 in and out of network | 4.5 of 5 | 24 services | $1,853 | $4,933 | $11,920 |
| Humana Value Plus H5216-382 (PPO)PPO from Humana · Plan ID H5216-382 · Medicare.govIts page is set for Kent County, MI | $0 plan + Part B $209.50 | $9,850 in network; $14,800 in and out of network | 4 of 5 | 24 services | $2,589 | $5,007 | $10,971 |
| Aetna Medicare Signature (PPO)PPO from Aetna Medicare · Plan ID H5521-285 · Medicare.govIts page is set for Saginaw County, MI | $0 plan + Part B $209.50 | $5,200 in network; $10,750 in and out of network | 4 of 5 | 19 services | $2,594 | $5,105 | $10,114 |
| Aetna Medicare Signature (HMO-POS)HMO-POS from Aetna Medicare · Plan ID H3192-010 · Medicare.govIts page is set for Saginaw County, MI | $0 plan + Part B $209.50 | $6,350 in network | 3.5 of 5 | 19 services | $2,609 | $5,185 | $11,009 |
| Wellcare Giveback (HMO-POS)HMO-POS from Wellcare · Plan ID H5475-031 · Medicare.govIts page is set for Wayne County, MI | $0 plan + Part B $209.50 (the plan pays back $81.50 of Part B) | $9,850 in network | 3 of 5 | 20 services | $1,969 | $5,223 | $9,787 |
| HAP Member Assist (PPO)PPO from Health Alliance Plan by Henry Ford Health · Plan ID H2322-017 · Medicare.govIts page is set for Wayne County, MI | $6.30 plan + Part B $209.50 | $5,600 in network; $5,600 in and out of network | 3.5 of 5 | 15 services | $2,620 | $5,445 | $10,240 |
| McLaren Medicare Inspire Giveback (HMO)HMO from McLaren Medicare · Plan ID H6322-008 · Medicare.govIts page is set for Wayne County, MI | $0 plan + Part B $209.50 (the plan pays back $70 of Part B) | $6,750 in network | 3 of 5 | 15 services | $1,724 | $5,560 | $10,824 |
| HAP Medicare Superior (HMO)HMO from Health Alliance Plan by Henry Ford Health · Plan ID H2354-028 · Medicare.govIts page is set for Wayne County, MI | $0 plan + Part B $209.50 | $5,800 in network | 4 of 5 | 15 services | $2,554 | $5,579 | $10,714 |
| HAP Medicare Connect (HMO)HMO from Health Alliance Plan by Henry Ford Health · Plan ID H2354-015 · Medicare.govIts page is set for Wayne County, MI | $0 plan + Part B $209.50 | $5,600 in network | 4 of 5 | 15 services | $2,559 | $5,584 | $10,514 |
| AARP Medicare Advantage from UHC MI-4 (HMO-POS)HMO-POS from UnitedHealthcare · Plan ID H2736-001 · Medicare.govIts page is set for Wayne County, MI | $0 plan + Part B $209.50 | $5,900 in network | Plan too new to be measured | 24 services | $2,514 | $5,825 | $10,814 |
| McLaren Medicare Inspire Plus (HMO)HMO from McLaren Medicare · Plan ID H6322-002 · Medicare.govIts page is set for Wayne County, MI | $20 plan + Part B $209.50 | $5,900 in network | 3 of 5 | 15 services | $2,804 | $5,844 | $11,014 |
| HAP Medicare Prime (PPO)PPO from Health Alliance Plan by Henry Ford Health · Plan ID H2322-016 · Medicare.govIts page is set for Wayne County, MI | $0 plan + Part B $209.50 | $6,400 in network; $6,400 in and out of network | 3.5 of 5 | 15 services | $2,745 | $5,983 | $11,314 |
| HAP Senior Plus (HMO-POS)HMO-POS from Health Alliance Plan by Henry Ford Health · Plan ID H2354-021 · Medicare.govIts page is set for Wayne County, MI | $105 plan + Part B $209.50 | $4,650 in network; $4,650 in and out of network | 4 of 5 | 15 services | $3,804 | $6,039 | $10,824 |
| HAP Medicare Explore (PPO)PPO from Health Alliance Plan by Henry Ford Health · Plan ID H2322-011 · Medicare.govIts page is set for Wayne County, MI | $0 plan + Part B $209.50 | $6,050 in network; $6,050 in and out of network | 3.5 of 5 | 15 services | $2,820 | $6,049 | $10,964 |
| Wellcare Assist (HMO-POS)HMO-POS from Wellcare · Plan ID H5475-038 · Medicare.govIts page is set for Wayne County, MI | $0 plan + Part B $209.50 | $7,100 in network | 3 of 5 | 20 services | $2,554 | $6,139 | $12,014 |
| McLaren Medicare Inspire (HMO)HMO from McLaren Medicare · Plan ID H6322-001 · Medicare.govIts page is set for Wayne County, MI | $0 plan + Part B $209.50 | $6,600 in network | 3 of 5 | 15 services | $2,564 | $6,195 | $11,514 |
| PriorityMedicare Latitude (HMO-POS)HMO-POS from Priority Health Medicare · Plan ID H2320-034 · Medicare.govIts page is set for Grand Traverse County, MI | $0 plan + Part B $209.50 | $9,850 in network | 4.5 of 5 | 15 services | $3,168 | $6,245 | $11,699 |
| Medicare Plus Blue Vitality (PPO)PPO from Blue Cross Blue Shield of Michigan · Plan ID H9572-002 · Medicare.govIts page is set for Saginaw County, MI | $100 plan + Part B $209.50 | $5,000 in network; $6,700 in and out of network | 4.5 of 5 | 18 services | $3,744 | $6,384 | $10,984 |
| BCN Advantage Classic (HMO-POS)HMO-POS from Blue Care Network · Plan ID H5883-002 · Medicare.govIts page is set for Saginaw County, MI | $138 plan + Part B $209.50 | $4,800 in network; $4,800 in and out of network | 4.5 of 5 | 18 services | $4,200 | $6,510 | $10,825 |
| PriorityMedicare Value (HMO-POS)HMO-POS from Priority Health Medicare · Plan ID H2320-029 · Medicare.govIts page is set for Jackson County, MI | $80 plan + Part B $209.50 | $6,000 in network | 4.5 of 5 | 15 services | $3,572 | $6,544 | $11,459 |
| Humana Full Access (PPO)PPO from Humana · Plan ID H5216-011 · Medicare.govIts page is set for Wayne County, MI | $41 plan + Part B $209.50 | $4,800 in network; $4,800 in and out of network | 4 of 5 | 24 services | $3,096 | $6,627 | $10,206 |
| Wellcare Simple (HMO-POS)HMO-POS from Wellcare · Plan ID H5475-026 · Medicare.govIts page is set for Wayne County, MI | $0 plan + Part B $209.50 | $7,100 in network | 3 of 5 | 20 services | $2,604 | $6,639 | $12,014 |
| AARP Medicare Advantage from UHC MI-0002 (PPO)PPO from UnitedHealthcare · Plan ID H0294-018 · Medicare.govIts page is set for Wayne County, MI | $70 plan + Part B $209.50 | $5,900 in network; $5,900 in and out of network | 3 of 5 | 24 services | $3,354 | $6,704 | $11,654 |
| HAP Senior Plus (PPO)PPO from Health Alliance Plan by Henry Ford Health · Plan ID H2322-008 · Medicare.govIts page is set for Wayne County, MI | $165 plan + Part B $209.50 | $4,450 in network; $4,450 in and out of network | 3.5 of 5 | 15 services | $4,519 | $6,849 | $11,344 |
| Medicare Plus Blue Value (PPO)PPO from Blue Cross Blue Shield of Michigan · Plan ID H9572-010 · Medicare.govIts page is set for Ingham County, MI | $0 plan + Part B $209.50 | $6,750 in network; $9,000 in and out of network | 4.5 of 5 | 18 services | $3,122 | $6,876 | $11,664 |
| AARP Medicare Advantage from UHC MI-0001 (PPO)PPO from UnitedHealthcare · Plan ID H0294-017 · Medicare.govIts page is set for Wayne County, MI | $0 plan + Part B $209.50 | $7,150 in network; $7,150 in and out of network | 3 of 5 | 24 services | $3,229 | $6,969 | $12,064 |
| Medicare Plus Blue Signature (PPO)PPO from Blue Cross Blue Shield of Michigan · Plan ID H9572-001 · Medicare.govIts page is set for Saginaw County, MI | $168 plan + Part B $209.50 | $4,300 in network; $6,500 in and out of network | 4.5 of 5 | 18 services | $4,560 | $7,045 | $11,230 |
| PriorityMedicare (HMO-POS)HMO-POS from Priority Health Medicare · Plan ID H2320-028 · Medicare.govIts page is set for Jackson County, MI | $131 plan + Part B $209.50 | $5,100 in network | 4.5 of 5 | 15 services | $4,160 | $7,172 | $11,586 |
| BCN Advantage Prestige (HMO-POS)HMO-POS from Blue Care Network · Plan ID H5883-003 · Medicare.govIts page is set for Saginaw County, MI | $248 plan + Part B $209.50 | $4,400 in network; $4,400 in and out of network | 4.5 of 5 | 18 services | $5,515 | $7,570 | $11,510 |
| PriorityMedicare Merit (PPO)PPO from Priority Health Medicare · Plan ID H4875-016 · Medicare.govIts page is set for Jackson County, MI | $163 plan + Part B $209.50 | $5,000 in network; $5,000 in and out of network | 4 of 5 | 15 services | $4,568 | $7,632 | $11,870 |
| Humana Full Access R0110-014 (Regional PPO)Regional PPO from Humana · Plan ID R0110-014 · Medicare.govIts page is set for Wayne County, MI | $89 plan + Part B $209.50 | $7,050 in network; $7,050 in and out of network | 3.5 of 5 | 24 services | $3,692 | $7,648 | $13,032 |
| Medicare Plus Blue Assure (PPO)PPO from Blue Cross Blue Shield of Michigan · Plan ID H9572-003 · Medicare.govIts page is set for Saginaw County, MI | $299.30 plan + Part B $209.50 | $4,000 in network; $6,200 in and out of network | 4.5 of 5 | 18 services | $6,116 | $8,256 | $12,286 |
| AARP Medicare Advantage Patriot No Rx MI-MA2 (HMO-POS)HMO-POS from UnitedHealthcare · Plan ID H2736-004 · No drug coverage · Medicare.govIts page is set for Wayne County, MI | $0 plan + Part B $209.50 (the plan pays back $150 of Part B) | $6,700 in network | Plan too new to be measured | 24 services | $1,002 | $9,231 | $28,990 |
| AARP Medicare Advantage Patriot No Rx MI-MA01 (PPO)PPO from UnitedHealthcare · Plan ID H0294-022 · No drug coverage · Medicare.govIts page is set for Wayne County, MI | $0 plan + Part B $209.50 (the plan pays back $130 of Part B) | $6,700 in network; $6,700 in and out of network | 3 of 5 | 24 services | $1,242 | $9,246 | $28,180 |
| HAP Medicare MedicalAccess (HMO)HMO from Health Alliance Plan by Henry Ford Health · Plan ID H2354-019 · No drug coverage · Medicare.govIts page is set for Wayne County, MI | $0 plan + Part B $209.50 (the plan pays back $105 of Part B) | $4,500 in network | 4 of 5 | 15 services | $1,577 | $9,456 | $27,330 |
| Humana USAA Honor Giveback (PPO)PPO from Humana · Plan ID H5216-190 · No drug coverage · Medicare.govIts page is set for Wayne County, MI | $0 plan + Part B $209.50 (the plan pays back $136 of Part B) | $6,550 in network; $6,550 in and out of network | 4 of 5 | 24 services | $1,265 | $10,051 | $29,008 |
| Humana USAA Honor Giveback (PPO)PPO from Humana · Plan ID H7617-054 · No drug coverage · Medicare.govIts page is set for Wayne County, MI | $0 plan + Part B $209.50 (the plan pays back $136 of Part B) | $6,550 in network; $6,550 in and out of network | 4.5 of 5 | 24 services | $1,265 | $10,051 | $29,008 |
| Aetna Medicare Eagle (PPO)PPO from Aetna Medicare · Plan ID H5521-286 · No drug coverage · Medicare.govIts page is set for Cook County, IL | $0 plan + Part B $209.50 (the plan pays back $70 of Part B) | $5,200 in network; $10,750 in and out of network | 4 of 5 | 19 services | $2,047 | $10,096 | $28,450 |
| BCN Advantage Elements (HMO-POS)HMO-POS from Blue Care Network · Plan ID H5883-017 · No drug coverage · Medicare.govIts page is set for Wayne County, MI | $0 plan + Part B $209.50 (the plan pays back $20 of Part B) | $4,500 in network; $4,500 in and out of network | 4.5 of 5 | 18 services | $2,597 | $10,226 | $28,220 |
| HumanaChoice R0110-013 (Regional PPO)Regional PPO from Humana · Plan ID R0110-013 · No drug coverage · Medicare.govIts page is set for Wayne County, MI | $0 plan + Part B $209.50 (the plan pays back $17 of Part B) | $6,550 in network; $6,550 in and out of network | 3.5 of 5 | 24 services | $2,678 | $11,407 | $30,436 |
A plan with no drug coverage counts drugs at full price, unless its members can add a separate drug plan. A plan name with a link opens a page where you can change the care level, the Medigap plan, your age, and your drugs.
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Sources and method
Plan data comes from the CMS 2027 Plan Benefit Package and landscape files. The data is from 2026-10-10. Original Medicare amounts are the 2027 projections in the 2026 Medicare Trustees Report (Tables V.E1 and V.E2). CMS sets the final amounts in November. We do not have a Medigap price for Kalkaska County, MI. So the Original Medicare total needs your own Medigap quote. You can look up prices for ZIP 49646 on Medicare.gov. Totals use typical Medicare-allowed amounts for each service and typical drug prices.
- Medigap prices for ZIP 49646 on Medicare.gov
- CMS Plan Benefit Package files, 2027
- CMS 2027 landscape files (premiums and limits)
- CMS 2027 plan crosswalk
- CMS 2027 Star Ratings
- 2026 Medicare Trustees Report: projected 2027 Part A and Part B amounts (Tables V.E1 and V.E2)
- CMS 2026 Part A and Part B amounts
- Medicare.gov: Medigap guaranteed issue rights
These are estimates, not quotes, and they are for education only. Check every number with Medicare and with the plan before you choose. What you pay depends on your doctors and hospitals, your drugs and pharmacy, and the care you use. Plans can change their benefits, premiums, drug lists, and networks each year.
Pinnie is not an insurance agent or broker and does not sell Medicare plans. Pinnie is not connected with or endorsed by the U.S. government or the federal Medicare program. For all your options, visit Medicare.gov or call 1-800-MEDICARE (1-800-633-4227), TTY 1-877-486-2048.