St. Clair County, Michigan — 2026 Medicare Advantage plans
72 individual Medicare Advantage plan segments from 9 parent organizations are filed for St. Clair County for 2026, per CMS public files. This page reports what was filed; it does not rank or recommend plans.
CMS public dataReported, not recommendedNo broker influenceNo paid placementDirect from CMS sources
72plans filed +1 vs prior year
37with a $0 premium +5 vs prior year
$5,900median in-network MOOP +$900 vs prior year
42on 4-star or better contracts
65report comprehensive dental
61report an OTC allowance
Quick filters:
| Plan | Type | Premium | In-network MOOP | Part D deductible | Star rating | OTC allowance | Supplemental benefits reported |
|---|---|---|---|---|---|---|---|
| Aetna Medicare Chronic Care (HMO C-SNP) CVS Health Corporation · H3192-033-000 · SoB ✓ | HMO C-SNP | $0 | $6,750 | $615 | 3.0out of 5 stars, Average | $15 | Comprehensive dental Vision exam Eyewear Hearing aids OTC allowance |
| Aetna Medicare Signature (HMO-POS) CVS Health Corporation · H3192-003-000 · SoB ✓ | HMO-POS | $0 | $6,750 | $615 | 3.0out of 5 stars, Average | $15 | Comprehensive dental Vision exam Eyewear Hearing aids OTC allowance |
| Aetna Medicare Signature (PPO) CVS Health Corporation · H5521-214-000 · SoB ✓ | PPO | $0 | $5,200 | $615 | 4.5out of 5 stars, Above average | $60 | Comprehensive dental Vision exam Eyewear Hearing aids OTC allowance |
| Aetna Medicare Signature Extra (PPO) CVS Health Corporation · H5521-404-000 · SoB ✓ | PPO | $0 | $4,700 | $615 | 4.5out of 5 stars, Above average | $75 | Comprehensive dental Vision exam Eyewear Hearing aids OTC allowance |
| HAP Medicare Connect (HMO) Henry Ford Health System · H2354-015-000 · SoB ✓ | HMO | $0 | $5,000 | $150 | 4.0out of 5 stars, Above average | $70 | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids OTC allowance |
| HAP Medicare Explore (PPO) Henry Ford Health System · H2322-011-000 · SoB ✓ | PPO | $0 | $5,400 | $200 | 4.0out of 5 stars, Above average | $75 | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids OTC allowance |
| HAP Medicare Prime (PPO) Henry Ford Health System · H2322-016-000 · SoB | PPO | $0 | $5,650 | $200 | 4.0out of 5 stars, Above average | Reported | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance |
| HAP Medicare Superior (HMO) Henry Ford Health System · H2354-028-000 · SoB | HMO | $0 | $5,100 | $150 | 4.0out of 5 stars, Above average | Reported | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance |
| Humana Full Access Giveback H5216-306 (PPO) Humana Inc. · H5216-306-000 · SoB ✓ | PPO | $0 | $9,150 | $0 | 3.5out of 5 stars, Average | Reported | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids OTC allowance Meals |
| Humana Full Access Giveback H7617-058 (PPO) Humana Inc. · H7617-058-000 · SoB ✓ | PPO | $0 | $9,150 | $0 | 4.5out of 5 stars, Above average | Reported | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids OTC allowance Meals |
| Humana Full Access H5216-384 (PPO) Humana Inc. · H5216-384-000 · SoB ✓ | PPO | $0 | $5,650 | $350 | 3.5out of 5 stars, Average | Reported | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids OTC allowance Meals |
| Humana Full Access H7617-052 (PPO) Humana Inc. · H7617-052-000 · SoB ✓ | PPO | $0 | $5,650 | $350 | 4.5out of 5 stars, Above average | Reported | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids OTC allowance Meals |
| Humana Gold Plus Chronic Kidney Disease (HMO C-SNP) Humana Inc. · H8908-006-000 · SoB ✓ | HMO C-SNP | $0 | $9,100 | $615 | 3.0out of 5 stars, Average | Reported | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance Meals |
| Humana Gold Plus H8908-004 (HMO-POS) Humana Inc. · H8908-004-000 · SoB ✓ | HMO-POS | $0 | $4,250 | $250 | 3.0out of 5 stars, Average | Reported | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance Meals |
| Humana Gold Plus SNP-DE H8908-005 (HMO D-SNP) Humana Inc. · H8908-005-000 · SoB ✓ | HMO D-SNP | $0 | $9,250 | $475 | 3.0out of 5 stars, Average | Reported | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids OTC allowance Meals |
| Humana USAA Honor Giveback with Rx (PPO) Humana Inc. · H7617-071-000 · SoB ✓ | PPO | $0 | $8,650 | $90 | 4.5out of 5 stars, Above average | — | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids Meals |
| Humana USAA Honor Giveback with Rx (PPO) Humana Inc. · H5216-305-000 · SoB ✓ | PPO | $0 | $8,650 | $90 | 3.5out of 5 stars, Average | — | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids Meals |
| HumanaChoice - Diabetes and Heart (PPO C-SNP) Humana Inc. · H5216-375-000 · SoB ✓ | PPO C-SNP | $0 | $6,550 | $300 | 3.5out of 5 stars, Average | Reported | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance Meals |
| McLaren Medicare Inspire (HMO) McLaren Health Care Corporation · H6322-001-000 · SoB | HMO | $0 | $6,300 | $615 | 3.0out of 5 stars, Average | Reported | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids OTC allowance |
| McLaren Medicare Inspire Select (HMO) McLaren Health Care Corporation · H6322-008-000 · SoB | HMO | $0 | $6,750 | $615 | 3.0out of 5 stars, Average | Reported | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids OTC allowance |
| Medicare Plus Blue Giveback (PPO) Blue Cross Blue Shield of Michigan Mutual Ins. Co. · H9572-008-000 · SoB ✓ | PPO | $0 | $9,250 | $150 | 4.5out of 5 stars, Above average | — | Vision exam Hearing aids |
| Medicare Plus Blue Secure (PPO) Blue Cross Blue Shield of Michigan Mutual Ins. Co. · H9572-009-000 · SoB ✓ | PPO | $0 | $6,750 | $150 | 4.5out of 5 stars, Above average | $40 | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids OTC allowance |
| Molina Medicare Complete Care (HMO D-SNP) Molina Healthcare, Inc. · H5926-001-000 · SoB ✓ | HMO D-SNP | $0 | $9,250 | $425 | 3.0out of 5 stars, Average | Reported | Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance Meals |
| PriorityMedicare Edge (PPO) Corewell Health · H4875-020-002 · SoB | PPO | $0 | $6,000 | $200 | 4.0out of 5 stars, Above average | Reported | Vision exam Eyewear Hearing aids OTC allowance |
| PriorityMedicare Key (HMO-POS) Corewell Health · H2320-022-002 · SoB | HMO-POS | $0 | $5,800 | $200 | 4.5out of 5 stars, Above average | Reported | Comprehensive dental Vision exam Eyewear Hearing aids OTC allowance |
| PriorityMedicare Smart Savings (HMO-POS) Corewell Health · H2320-032-002 · SoB | HMO-POS | $0 | $9,250 | $500 | 4.5out of 5 stars, Above average | — | Vision exam Eyewear Hearing aids |
| PriorityMedicare Thrive (PPO) Corewell Health · H4875-024-001 · SoB | PPO | $0 | $6,200 | $250 | 4.0out of 5 stars, Above average | Reported | Comprehensive dental Vision exam Eyewear Hearing aids OTC allowance |
| PriorityMedicare Vital (PPO) Corewell Health · H4875-022-002 · SoB | PPO | $0 | $6,300 | $450 | 4.0out of 5 stars, Above average | Reported | Comprehensive dental Vision exam Eyewear Hearing aids OTC allowance |
| Wellcare Giveback (HMO-POS) Centene Corporation · H5475-031-000 · SoB ✓ | HMO-POS | $0 | $7,550 | $615 | 3.0out of 5 stars, Average | — | Vision exam Eyewear |
| Wellcare Simple (HMO-POS) Centene Corporation · H5475-026-000 · SoB ✓ | HMO-POS | $0 | $5,000 | $615 | 3.0out of 5 stars, Average | Reported | Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance Meals |
| Wellcare Simple Open (PPO) Centene Corporation · H2117-001-000 · SoB ✓ | PPO | $0 | $5,200 | $615 | 3.0out of 5 stars, Average | Reported | Comprehensive dental Vision exam Eyewear Hearing aids OTC allowance Meals |
| Aetna Medicare Full Dual Care (HMO D-SNP) CVS Health Corporation · H3192-007-000 · SoB ✓ | HMO D-SNP | $8.80 | $9,250 | $615 | 3.0out of 5 stars, Average | $200 | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids OTC allowance Meals |
| HAP Medicare Complete Assist (PPO D-SNP) Henry Ford Health System · H2322-020-000 · SoB | PPO D-SNP | $8.80 | $9,250 | $615 | 4.0out of 5 stars, Above average | Reported | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance Meals |
| HAP Medicare Complete Duals (HMO D-SNP) Henry Ford Health System · H2354-025-000 · SoB | HMO D-SNP | $8.80 | $9,250 | $615 | 4.0out of 5 stars, Above average | $158 | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance Meals |
| HAP Medicare Diabetes and Heart (HMO C-SNP) Henry Ford Health System · H2354-030-000 · SoB | HMO C-SNP | $8.80 | $9,250 | $615 | 4.0out of 5 stars, Above average | $250 | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance Meals |
| HAP Member Assist (PPO) Henry Ford Health System · H2322-017-000 · SoB | PPO | $8.80 | $5,200 | $615 | 4.0out of 5 stars, Above average | $116 | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance Meals |
| Humana Dual Select H5216-385 (PPO D-SNP) Humana Inc. · H5216-385-000 · SoB ✓ | PPO D-SNP | $8.80 | $9,250 | $615 | 3.5out of 5 stars, Average | Reported | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance Meals |
| Humana Gold Plus SNP-DE H8908-007 (HMO D-SNP) Humana Inc. · H8908-007-000 · SoB ✓ | HMO D-SNP | $8.80 | $9,250 | $615 | 3.0out of 5 stars, Average | Reported | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance Meals |
| Humana Value Plus H5216-382 (PPO) Humana Inc. · H5216-382-000 · SoB ✓ | PPO | $8.80 | $9,250 | $250 | 3.5out of 5 stars, Average | Reported | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance Meals |
| Longevity Health Plan (HMO I-SNP) Longevity Health Founders, LLC · H7557-001-000 · SoB | HMO I-SNP | $8.80 | $9,250 | $615 | Not rated | $125 | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance |
| McLaren Medicare Inspire Plus (HMO) McLaren Health Care Corporation · H6322-002-000 · SoB | HMO | $8.80 | $5,900 | $500 | 3.0out of 5 stars, Average | Reported | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance |
| PriorityMedicare D-SNP (HMO D-SNP) Corewell Health · H8379-001-000 · SoB ✓ | HMO D-SNP | $8.80 | $9,250 | $615 | 3.5out of 5 stars, Average | Reported | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance |
| PriorityMedicare Vintage (HMO-POS) Corewell Health · H2320-031-000 · SoB | HMO-POS | $8.80 | $5,600 | $615 | 4.5out of 5 stars, Above average | Reported | Vision exam Eyewear Hearing aids OTC allowance |
| Wellcare Assist (HMO-POS) Centene Corporation · H5475-038-000 · SoB ✓ | HMO-POS | $8.80 | $5,000 | $580 | 3.0out of 5 stars, Average | Reported | Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance Meals |
| Wellcare Dual Access (HMO-POS D-SNP) Centene Corporation · H5475-001-000 · SoB ✓ | HMO-POS D-SNP | $8.80 | $9,250 | $615 | 3.0out of 5 stars, Average | Reported | Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance Meals |
| Wellcare Dual Access Open (PPO D-SNP) Centene Corporation · H2117-002-000 · SoB ✓ | PPO D-SNP | $8.80 | $9,250 | $470 | 3.0out of 5 stars, Average | Reported | Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance Meals |
| Wellcare Dual Reserve (HMO-POS D-SNP) Centene Corporation · H5475-039-000 · SoB ✓ | HMO-POS D-SNP | $8.80 | $4,200 | $615 | 3.0out of 5 stars, Average | Reported | Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance Meals |
| Humana Full Access H5216-011 (PPO) Humana Inc. · H5216-011-000 · SoB ✓ | PPO | $18 | $5,700 | $300 | 3.5out of 5 stars, Average | Reported | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids OTC allowance Meals |
| Medicare Plus Blue Essential (PPO) Blue Cross Blue Shield of Michigan Mutual Ins. Co. · H9572-004-004 · SoB ✓ | PPO | $25 | $6,250 | $150 | 4.5out of 5 stars, Above average | — | Preventive dental Comprehensive dental Vision exam |
| BCN Advantage Prime Value (HMO-POS) Blue Cross Blue Shield of Michigan Mutual Ins. Co. · H5883-014-004 · SoB ✓ | HMO-POS | $35 | $5,000 | $150 | 4.5out of 5 stars, Above average | — | Preventive dental Comprehensive dental |
| Humana Gold Plus H8908-001 (HMO-POS) Humana Inc. · H8908-001-000 · SoB ✓ | HMO-POS | $35 | $3,950 | $200 | 3.0out of 5 stars, Average | — | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids Transportation Meals |
| Medicare Plus Blue + Meijer (PPO) Blue Cross Blue Shield of Michigan Mutual Ins. Co. · H9572-007-004 · SoB ✓ | PPO | $35 | $6,750 | $150 | 4.5out of 5 stars, Above average | $60 | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids OTC allowance |
| BCN Advantage ConnectedCare (HMO) Blue Cross Blue Shield of Michigan Mutual Ins. Co. · H5883-007-000 · SoB ✓ | HMO | $41 | $4,400 | $125 | 4.5out of 5 stars, Above average | $50 | Preventive dental Comprehensive dental Vision exam Hearing aids OTC allowance Meals |
| PriorityMedicare Value (HMO-POS) Corewell Health · H2320-029-002 · SoB | HMO-POS | $43 | $5,100 | $100 | 4.5out of 5 stars, Above average | — | Comprehensive dental Vision exam Eyewear Hearing aids |
| Aetna Medicare Value Care (PPO) CVS Health Corporation · H5521-399-000 · SoB ✓ | PPO | $46 | $5,900 | $615 | 4.5out of 5 stars, Above average | $75 | Comprehensive dental Vision exam Eyewear Hearing aids OTC allowance |
| PriorityMedicare Thrive Plus (PPO) Corewell Health · H4875-018-002 · SoB | PPO | $49 | $5,600 | $100 | 4.0out of 5 stars, Above average | Reported | Comprehensive dental Vision exam Eyewear Hearing aids OTC allowance |
| Aetna Medicare Enhanced (PPO) CVS Health Corporation · H5521-607-000 · SoB ✓ | PPO | $72 | $5,900 | $615 | 4.5out of 5 stars, Above average | $60 | Comprehensive dental Vision exam Eyewear Hearing aids OTC allowance Meals |
| PriorityMedicare (HMO-POS) Corewell Health · H2320-028-002 · SoB | HMO-POS | $72 | $4,500 | $0 | 4.5out of 5 stars, Above average | — | Vision exam Eyewear Hearing aids |
| Medicare Plus Blue Vitality (PPO) Blue Cross Blue Shield of Michigan Mutual Ins. Co. · H9572-002-004 · SoB ✓ | PPO | $72.40 | $5,000 | $0 | 4.5out of 5 stars, Above average | $50 | Preventive dental Comprehensive dental Vision exam Hearing aids OTC allowance Meals |
| PriorityMedicare Merit (PPO) Corewell Health · H4875-016-005 · SoB | PPO | $83 | $4,200 | $0 | 4.0out of 5 stars, Above average | — | Vision exam Eyewear Hearing aids |
| BCN Advantage Classic (HMO-POS) Blue Cross Blue Shield of Michigan Mutual Ins. Co. · H5883-002-004 · SoB ✓ | HMO-POS | $103 | $4,400 | $0 | 4.5out of 5 stars, Above average | $50 | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids OTC allowance Meals |
| HAP Senior Plus (HMO-POS) Henry Ford Health System · H2354-021-000 · SoB ✓ | HMO-POS | $105 | $4,550 | $0 | 4.0out of 5 stars, Above average | $153 | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance Meals |
| Medicare Plus Blue Signature (PPO) Blue Cross Blue Shield of Michigan Mutual Ins. Co. · H9572-001-004 · SoB ✓ | PPO | $119.10 | $4,300 | $0 | 4.5out of 5 stars, Above average | $65 | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids OTC allowance Meals |
| HAP Senior Plus (PPO) Henry Ford Health System · H2322-008-000 · SoB ✓ | PPO | $165 | $4,150 | $0 | 4.0out of 5 stars, Above average | $121 | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance Meals |
| Medicare Plus Blue Assure (PPO) Blue Cross Blue Shield of Michigan Mutual Ins. Co. · H9572-003-004 · SoB ✓ | PPO | $209.50 | $4,000 | $0 | 4.5out of 5 stars, Above average | $50 | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids OTC allowance Meals |
| BCN Advantage Prestige (HMO-POS) Blue Cross Blue Shield of Michigan Mutual Ins. Co. · H5883-003-004 · SoB ✓ | HMO-POS | $225 | $4,000 | $0 | 4.5out of 5 stars, Above average | $50 | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids OTC allowance Meals |
| Aetna Medicare Eagle (PPO) CVS Health Corporation · H5521-286-000 · SoB ✓ | PPO | — | $4,900 | — | 4.5out of 5 stars, Above average | $100 | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids OTC allowance Meals |
| BCN Advantage Elements (HMO-POS) Blue Cross Blue Shield of Michigan Mutual Ins. Co. · H5883-001-004 · SoB ✓ | HMO-POS | — | $4,500 | — | 4.5out of 5 stars, Above average | $50 | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids OTC allowance |
| HAP Medicare MedicalAccess (HMO) Henry Ford Health System · H2354-019-000 · SoB | HMO | — | $4,500 | — | 4.0out of 5 stars, Above average | $95 | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance Meals |
| Humana USAA Honor Giveback (PPO) Humana Inc. · H7617-054-000 · SoB ✓ | PPO | — | $6,550 | — | 4.5out of 5 stars, Above average | Reported | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids OTC allowance Meals |
| Humana USAA Honor Giveback (PPO) Humana Inc. · H5216-190-000 · SoB ✓ | PPO | — | $6,550 | — | 3.5out of 5 stars, Average | Reported | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids OTC allowance Meals |
| Wellcare Patriot Giveback Open (PPO) Centene Corporation · H2117-003-000 · SoB ✓ | PPO | — | $5,000 | — | 3.0out of 5 stars, Average | Reported | Comprehensive dental Vision exam Eyewear Hearing aids OTC allowance Meals |
What the star rating means. CMS rates every Medicare Advantage contract (the "H" number in the plan ID — all plans under it share the rating) on a 1-to-5 scale each October, from about 40 measures of care quality, member experience, complaints and appeals, customer service and, for plans with drug coverage, drug safety and pricing. The 2026 rating is largely based on performance measured in 2024.
5 Excellent4 Above average3 Average2 Below average1 Poor
Not rated means CMS published no overall rating — usually a contract too new to be measured or with too few members ("not enough data"); it is not a low score. A 5-star contract can be joined outside the normal enrollment windows (the 5-star Special Enrollment Period, Dec 8 – Nov 30). Medicare.gov flags contracts rated below 3 stars for three years running as low-performing. Stars describe the contract's past performance as CMS measured it; they are not a recommendation, and they do not tell you whether a plan's network, drugs or costs fit you.
How to read this table
Yes — the plan's approved bid reports the benefit. No — the bid reports it is not offered. — — CMS did not publish a value for this field; that is not the same as No. Reported under an allowance column means the benefit is offered but CMS published no dollar amount. Premium is the CMS consolidated monthly premium (Part C + Part D). MOOP is the in-network maximum out-of-pocket. Star rating is the contract's overall rating in the CMS file used for this build. SNP plans (D-SNP, C-SNP, I-SNP) are limited to people who meet the plan's eligibility rules. A plan's own Summary of Benefits and Evidence of Coverage govern the details.
Click a column header to sort. On small screens the Part D deductible and OTC columns are hidden; open a plan for the full record.
Is a drug covered by plans in St. Clair County?
Before enrolling or making a coverage decision, confirm current details with the plan, Medicare.gov, your State Health Insurance Assistance Program (SHIP), or 1-800-MEDICARE (1-800-633-4227, TTY 1-877-486-2048). MedicareBenefits.care reports CMS-filed data and does not verify provider networks, pharmacy participation, or final plan terms.
Download all 72 St. Clair County plans as CSVEvery column on this page plus the 14 benefit flags and published allowances — part of Pro, $99/month or $990/year.