2026 Medicare Advantage Plans in Cass County, MI
Last update: . Enrollment data updated: May 2, 2026
For 2026, Cass County, MI includes 43 Medicare Advantage plans. Enrollment across these plans totals approximately 4,820, with 27 $0 premium options and 53% rated 4 stars or higher.
This page and its statistics exclude Medicare Advantage Special Needs Plans (SNPs). Special Needs Plans in Cass County, MI are summarized separately. Visit Medicare Options in Cass County, MI to see more options.
Medicare Advantage PPO Plans
Preferred Provider Organization (PPO) plans allow members to choose care from both in-network and out-of-network providers. Out-of-network care usually costs more, but PPOs offer greater flexibility in how members access care.
- Total PPO Plans
- 28
- Average Monthly Premium
- $25.10/mo
- Total PPO Enrollment
- 4,078
- $0 Premium PPO Plans
- 18
- Average MOOP
- $6,461
- Top PPO by Enrollment
- Humana Full Access H5216-384 (PPO) — 809 enrollees
- PPO Plans Without Drug Coverage
- 5
What is the average monthly premium for PPO plans in Cass?
PPO plans in Cass cost $25.10 per month on average.
Which PPO plan has the highest enrollment in Cass?
The most popular PPO plan in Cass is Humana Full Access H5216-384 (PPO), with 809 enrollees.
How many PPO plans in Cass do not include prescription drug coverage?
5 PPO plans in Cass do not include prescription drug coverage.
Medicare Advantage HMO Plans
Health Maintenance Organization (HMO) plans generally require members to use in-network doctors, hospitals, and other providers, except in emergencies. Because of this structure, HMOs often have lower premiums and out-of-pocket costs than other plan types.
- Total HMO Plans 6
- Average Monthly Premium $1.47/mo
- Total HMO Enrollment 18
- $0 Premium HMO Plans 5
- Average MOOP $5,592
- Top HMO by Enrollment HAP Medicare Superior (HMO) — 18 enrollees
- HMO Plans Without Drug Coverage 1
| Plan Name | Rating* | Premium | MOOP | Rx Ded. | 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 top HMO by enrollment in Cass?
HAP Medicare Superior (HMO) is the top HMO in Cass, with 18 enrollees.
What is the number of HMO plans without Part D coverage in Cass?
1 HMO plans in Cass do not include prescription drug coverage.
Medicare Advantage HMO-POS Plans
HMO-POS plans are structured like HMOs, requiring in-network care for the lowest costs, while allowing limited out-of-network access at higher cost. This provides added flexibility compared with standard HMO plans.
- Total HMO-POS Plans
- 8
- Average Monthly Premium
- $16.58/mo
- Total HMO-POS Enrollment
- 702
- $0 Premium HMO-POS Plans
- 4
- Average MOOP
- $5,975
- Top HMO-POS by Enrollment
- PriorityMedicare Key (HMO-POS) — 564 enrollees
- HMO-POS Plans Without Drug Coverage
- 0
| Plan Name | Rating* | Premium | MOOP | Rx Ded. | Plan-ID |
|---|---|---|---|---|---|
| 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 | |
| Wellcare Assist | $9 | $5,000 | $580 | H5475-038-0 | |
| Wellcare Giveback | $0 | $7,550 | $615 | H5475-031-0 | |
| Wellcare Simple | $0 | $5,000 | $615 | H5475-026-0 |
What is the typical premium for HMO-POS plans in Cass?
HMO-POS plans in Cass cost $16.58 per month on average.
Which HMO-POS plan has the most members in Cass?
The most popular HMO-POS plan in Cass is PriorityMedicare Key (HMO-POS), with 564 enrollees.
How many HMO-POS options are offered without prescription drug coverage in Cass?
There are 0 HMO-POS plans in Cass without prescription drug coverage.
Medicare Advantage PFFS Plans
PFFS, or Private Fee-for-Service plans, allow access to any Medicare-approved doctor or hospital that accepts the plan’s terms. They provide wide flexibility in choosing providers, but it’s essential to verify that your preferred healthcare professionals agree to the plan’s payment rules before scheduling care.
| Plan Name | Rating* | Premium | MOOP | Rx Ded. | Plan-ID |
|---|---|---|---|---|---|
| Humana Gold Choice H8145-006 | $37 | $6,800 | $615 | H8145-006-0 |
What is the total number of PFFS plans in Cass?
In 2026, Cass has 1 PFFS plans with 22 enrollees.
How much do PFFS plans cost in Cass?
The typical PFFS premium in Cass is $37.00, and 0 plans have no monthly premium.
CMS quality ratings for Medicare Advantage plans in Cass County, MI (2026) are summarized below.
| Rating Category | Number of Plans | Percent of Plans |
|---|---|---|
| 5 Stars | No 5-star plans available. | 0% |
| 4 Stars (includes 5 Stars) | 23 | 53% |
| 3 Stars | 20 | 47% |
| Below 3 Stars | 0 | 0% |
| Not Rated | 0 | 0% |
| Average Rating | 3.85 | |
* CMS assigns Medicare Advantage star ratings annually based on plan quality and performance measures.
- 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
All plan counts, enrollment totals, averages, and percentage distributions are calculated at the county level using CMS data and include standard Medicare Advantage (MA/MAPD) plans only, based on a consistent aggregation methodology.
Data sources and methodology documentation .
- Medicare.gov, "Understanding Medicare Advantage Plans" — Last accessed 25 May, 2025
- Medicare.gov, "Compare Original Medicare & Medicare Advantage" — Last accessed 25 May, 2025
- NCOA.org, "5 Steps to Choosing the Right Medicare Plan for You" — 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 is documented in accordance 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.