Michigan Medicare HMO Plans

Medicare HMOs, which stands for Health Maintenance Organizations, are part of the Medicare Advantage program. Medicare Advantage plans are private health plans that are paid subsidies by the federal government to provide benefits to Medicare beneficiaries. Different plans are available in each area, and there are dozens available in Michigan. These are the most popular plans in the Michigan area, according to Medicare.gov's plan finder tool.

Blue Care Network Advantage

• Blue Care Network Advantage offers a range of plans, including a low premium plan at only $24 per month and a high premium plan at $97, according to Medicare.gov, for someone with good health. These plans cover dental but not vision. They are packaged with a Part D drug plan, all for an estimated annual cost of $4,440 to $4,850 for those with average health. The Blue Care Network rated relatively high in customer satisfaction on Medicare.gov with a 3.5 out of 5 for health plan quality and a 3.5 out of 5 for the prescription drug plan quality.

  Blue Care Network
  Mail Code C342
  P.O. Box 5184
  Southfield, MI 48086
  877-469-2583
  mibcn.com/medicareAdvantage

HAP Senior Plus --- Henry Ford Health System Network

• The HAP Senior Plus plan is offered at a few levels, with premiums ranging from $50 to $117. All plans cover vision and include Part D prescription drug plans, and for an extra cost, enrollees can add dental coverage. Estimated annual out-of-pocket costs for someone with average health can range from $4,050 to $5,550, according to Medicare.gov's plan finder tool. HAP Senior Plus is one of the highest-rated plans in the Michigan area, with 4 out of 5 stars on both health plan and prescription drug plan quality.

  HAP Client Services
  800-868-3153
  2850 West Grand Boulevard
  Detroit, Michigan 48202
  hap.org/medicare/2009/hmo.php

Molina Medicare Health Advantage

• While Health Advantage has a low monthly premium ($34.90), its estimated annual cost for a person of average health runs higher than other plans offered by Molina at $4,100. The plan comes packaged with dental care and a Part D prescription drug plan but does not have any vision coverage. It rates average in customer satisfaction, according to Medicare.gov, with 2.5 stars out of 5 for health plan quality and 3 out of 5 stars for prescription drug plan quality.

  Molina Healthcare of Michigan
  7050 Union Park Center
  Suite 200
  Midvale, UT 84047
  800-665-3072
  molinamedicare.com/medicare/mi/plans/Pages/healthy_adv.aspx

Molina Medicare Options

• According to Medicare.gov's plan finder tool, a beneficiary with good health should expect to pay approximately $3,800 a year with Molina Medicare Options. It has a monthly premium of $56, and coverage includes dental and vision care and a Part D plan. Beneficiaries also have the option to enroll online through Medicare.gov. The plan is rated average by consumers, receiving 2.5 out of 5 stars for health plan quality and 3 out of 5 stars for prescription drug plan quality.

  Molina Healthcare of Michigan
  7050 Union Park Center
  Suite 200
  Midvale, UT 84047
  800-665-3072
  molinamedicare.com/medicare/mi/plans/Pages/opt_home.aspx