2026 Medicare Advantage Plans in Berrien County, MI
Last update: . Enrollment data updated: May 2, 2026
In Berrien County, MI, there are 44 Medicare Advantage plans available for 2026. Of these, 24 offer a $0 monthly premium, and about 73% are rated 4 stars or higher based on CMS quality ratings.
Medicare Advantage Special Needs Plans (SNPs) are not included in the figures shown above. View Special Needs Plans in Berrien County, MI. Or explore all Medicare Options available in Berrien County, MI.
Medicare Advantage PPO Plans
Preferred Provider Organization (PPO) plans allow members to use both in-network and out-of-network providers. Out-of-network care typically costs more, but PPOs offer greater flexibility in how care is accessed.
What is the total number of PPO plans offered in Berrien?
Berrien County has 28 PPO plans for 2026, with 10,906 enrolled.
How much do PPO plans cost in Berrien?
The typical PPO premium in Berrien is $31.37, and 16 plans have no monthly premium.
Medicare Advantage HMO Plans
HMO plans typically require members to use in-network providers and facilities, except in emergencies. In return, HMOs often offer lower monthly premiums and reduced cost-sharing.
- Total HMO Plans
- 6
- Average Monthly Premium
- $1.47/mo
- Total HMO Enrollment
- 129
- $0 Premium HMO Plans
- 5
- Average MOOP
- $5,592
- Top HMO by Enrollment
- HAP Medicare Superior (HMO) — 99 enrollees
- HMO Plans Without Drug Coverage
- 1
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. | CMS Plan ID |
|---|---|---|---|---|---|
| HAP Medicare Connect | $0 | $5,000 | $150 | H2354-015-0 | |
| HAP Medicare MedicalAccess | $0 | $4,500 | N/A | H2354-019-0 | |
| HAP Medicare Superior | $0 | $5,100 | $150 | H2354-028-0 | |
| McLaren Medicare Inspire | $0 | $6,300 | $615 | H6322-001-0 | |
| McLaren Medicare Inspire Plus | $9 | $5,900 | $500 | H6322-002-0 | |
| McLaren Medicare Inspire Select | $0 | $6,750 | $615 | H6322-008-0 |
- What is the average monthly premium for HMO plans?
- HMO plans in Berrien cost $1.47 per month on average.
- Which HMO plan is most popular in Berrien?
- The most popular HMO plan in Berrien is HAP Medicare Superior (HMO), with 99 enrollees.
- How many HMO plans in Berrien do not include drug coverage?
- There are 1 HMO plans in Berrien without prescription drug coverage.
Medicare Advantage HMO-POS Plans
HMO Point-of-Service (HMO-POS) plans combine HMO network requirements with limited out-of-network access. Care outside the network typically costs more, but HMO-POS plans provide added flexibility compared with standard HMOs.
- Total HMO-POS Plans 9
- Average Monthly Premium $56.93/mo
- Total HMO-POS Enrollment 2,193
- $0 Premium HMO-POS Plans 3
- Average MOOP $5,350
- Top HMO-POS by Enrollment PriorityMedicare Key (HMO-POS) — 1,869 enrollees
- HMO-POS Plans Without Drug Coverage 1
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. | CMS Plan ID |
|---|---|---|---|---|---|
| BCN Advantage Classic | $114 | $4,400 | $0 | H5883-002-2 | |
| BCN Advantage Elements | $0 | $4,500 | N/A | H5883-001-2 | |
| BCN Advantage Prestige | $240 | $4,000 | $0 | H5883-003-2 | |
| BCN Advantage Prime Value | $35 | $5,000 | $150 | H5883-014-2 | |
| Priority Health Medicare PriorityMedicare | $72 | $4,500 | $0 | H2320-028-2 | |
| PriorityMedicare Key | $0 | $5,800 | $200 | H2320-022-2 | |
| PriorityMedicare Smart Savings | $0 | $9,250 | $500 | H2320-032-2 | |
| PriorityMedicare Value | $43 | $5,100 | $100 | H2320-029-2 | |
| PriorityMedicare Vintage | $9 | $5,600 | $615 | H2320-031-0 |
What is the total number of HMO-POS plans in Berrien?
There are 9 HMO-POS plans in 2026, covering 2,193 enrollees.
How much do HMO-POS plans cost in Berrien?
The average HMO-POS premium in Berrien is $56.93 per month, with 3 plans offering $0 premiums.
What is the leading HMO-POS plan in Berrien?
PriorityMedicare Key (HMO-POS) is the top HMO-POS in Berrien, with 1,869 enrollees.
What is the number of HMO-POS plans without Part D coverage in Berrien?
1 HMO-POS plans in Berrien do not include prescription drug coverage.
Medicare Advantage PFFS Plans
PFFS plans allow members to visit any Medicare-approved provider who accepts the plan’s payment terms. This offers broader choice than network-based plans, but coverage depends on provider participation, so acceptance should be confirmed in advance.
- Total PFFS Plans
- 1
- Average Monthly Premium
- $37.00/mo
- Total PFFS Enrollment
- 37
- $0 Premium PFFS Plans
- 0
- Average MOOP
- $6,800
- Top PFFS by Enrollment
- Humana Gold Choice H8145-006 (PFFS) — 37 enrollees
- PFFS Plans Without Drug Coverage
- 0
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. | CMS Plan ID |
|---|---|---|---|---|---|
| Humana Gold Choice H8145-006 | $37 | $6,800 | $615 | H8145-006-0 |
What is the average monthly premium for PFFS plans?
PFFS plans in Berrien cost $37.00 per month on average.
Which PFFS plan is most popular in Berrien?
The most popular PFFS plan in Berrien is Humana Gold Choice H8145-006 (PFFS), with 37 enrollees.
How many PFFS plans in Berrien do not include drug coverage?
There are 0 PFFS plans in Berrien without prescription drug coverage.
The table below shows CMS star ratings for Medicare Advantage plans in Berrien County, MI for 2026.
| Rating Category | Number of Plans | Percent of Plans |
|---|---|---|
| 5 Stars | No 5-star plans available. | 0% |
| 4 Stars (includes 5 Stars) | 32 | 73% |
| 3 Stars | 12 | 27% |
| Below 3 Stars | 0 | 0% |
| Not Rated | 0 | 0% |
| Average Rating | 4.06 | |
* Medicare Advantage star ratings are determined by CMS each year using a standardized 5-star rating system.
- CMS.gov, Medicare Advantage Landscape Source Files — Last accessed May 2, 2026
- CMS.gov, Medicare Part C & D Performance Data — Last accessed May 2, 2026
- CMS.gov, Medicare Advantage & Part D Contract and Enrollment Data — Last accessed May 2, 2026
This page presents county-level Medicare Advantage (MA/MAPD) data, including plan counts, enrollment totals, averages, and percentage distributions, derived from CMS datasets using a standardized aggregation approach.
Data sources and methodology documentation .
- Medicare.gov, "Compare types of Medicare Advantage Plans" — Last accessed 25 May, 2025
- Medicare.gov, "Your coverage options" — Last accessed 25 May, 2025
- AARP.org, "The Big Choice: Original Medicare vs. Medicare Advantage" — Last accessed 25 May, 2025
MedicarePlans.com is an independent, non-government informational resource and is not affiliated with or endorsed by the U.S. Government or the federal Medicare program.
Data provenance documentation is maintained in alignment with the U.S. Core Data for Interoperability (USCDI) Provenance standard .
Page content independently curated and maintained by David W. Bynon, Editorial Steward, using a standardized, data-driven methodology for accurate, non-commercial Medicare plan interpretation and resolution.