More than 2.1 million people in Michigan are signed up for Medicare, making it one of the top 10 states in terms of Medicare beneficiaries.

Medicare is the federal health insurance program for people age 65 and older. Medicare Advantage is a bundled alternative to Medicare sold by private insurance companies. It offers all the same benefits and usually some extras, such as cost help with dental and vision coverage.

Medicare Advantage plans offer more benefits than Original Medicare, and they're often cheaper than paying for Medicare and a Medicare Supplement plan. However, they offer less flexibility since you’ll need to get care from within the plan’s network of providers. Weigh your options to determine what plan best suits your needs.

» MORE: Medicare vs. Medicare Advantage: Which should I choose?

What to know about Medicare in Michigan
More than 1 in 6 people in Michigan are age 65 and older, and there are a variety of Medicare Advantage plans in the state.

The average monthly premium in 2023 for a Medicare Advantage plan in Michigan is $23.38. (This is down from $27.88 in 2022.)

There are 207 Medicare Advantage plans available in Michigan in 2023. (This is up from 191 plans in 2022.)

All Medicare-eligible people in Michigan have access to a $0-premium Medicare Advantage plan.

Medicare Advantage companies in Michigan
Aetna Medicare.

Ascension Complete.

Blue Care Network.

Blue Cross Blue Shield of Michigan.

CCA Health Michigan.

HAP Senior Plus.

Humana.

McLaren Medicare.

Molina Healthcare of Michigan.

Paramount Elite Medicare Plans.

PHP Medicare.

Priority Health Medicare.

UnitedHealthcare.

Wellcare.

Zing Health.

Top-rated Medicare Advantage plans in Michigan
Each year, the Centers for Medicare & Medicaid Services, or CMS, awards every Medicare Advantage plan a star rating on a scale of 1 to 5, with 5 being a top-rated plan. Below are companies with plans that received top marks in Michigan for the 2023 plan year. (Check out more information about Medicare star ratings.)

5-star plans
The companies below offer plans in Michigan that are rated 5 stars out of 5 by CMS:

Priority Health Medicare.

UnitedHealthcare.

4.5-star plans
The companies below offer plans in Michigan that are rated 4.5 stars out of 5 by CMS:

Blue Care Network.

Blue Cross Blue Shield of Michigan.

HAP Senior Plus.

Humana.

Paramount Elite Medicare Plans.

PHP Medicare.

Priority Health Medicare.

UnitedHealthcare.

This list doesn’t include special needs plans, which restrict membership to people with certain diseases or characteristics, such as having a chronic illness or living in a nursing home.

» MORE: Best Medicare Advantage plans
Find the right Medicare Advantage plan
It’s important to do your research before selecting a Medicare Advantage plan for yourself. Here are some questions to consider asking:

What are the plan’s costs? Do you understand what the plan’s premium, deductibles, copays and/or coinsurance will be? Can you afford them?

Is your doctor in-network? If you have a preferred medical provider or providers, make sure they participate in the plan’s network.

Are your prescriptions covered? If you’re on medication, it’s crucial to understand how the plan covers it. What tier are your prescription drugs on, and are there any coverage rules that apply to them?

Is there dental coverage? Does the plan offer routine coverage for vision, dental and hearing needs?

Are there extras? Does the plan offer any extra benefits, such as fitness memberships, transportation benefits or meal delivery?

Medicare Advantage companies
Get more information below about some of the major Medicare Advantage companies. These insurance companies offer plans in most states. The plans you can choose from will depend on your ZIP code and county.

AARP Medicare Advantage plans.

Aetna Medicare Advantage plans.

Anthem Medicare Advantage plans.

Blue Cross Blue Shield Medicare Advantage plans.

Cigna Medicare Advantage plans.

Humana Medicare Advantage plans.

Kaiser Permanente Medicare Advantage plans.

UnitedHealthcare Medicare Advantage plans.

Wellcare Medicare Advantage plans.

If you have additional questions about Medicare, visit Medicare.gov or call 800-MEDICARE (800-633-4227, TTY 877-486-2048).
Looking for more insurance in Michigan? Check out these resources:

Michigan car insurance.

Michigan homeowners insurance.

About the author: Kate Ashford is a certified senior advisor (CSA)® and personal finance writer at NerdWallet specializing in Medicare and retirement topics. Read more