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  1. 🏠
  2. Medicare Advantage Plans
  3. Michigan
  4. Luce County

2027 Medicare Advantage Plans in Luce County, MI

Last update: October 5, 2026.

For 2027, Luce County, MI includes 12 Medicare Advantage plans. Enrollment across these plans totals approximately 132, with 6 $0 premium options and 83% rated 4 stars or higher.

  • PPO Plans
  • HMO-POS Plans

At a Glance

County-level summary of Medicare Advantage plan availability and enrollment based on CMS data.

  • Average Monthly Premium: $86.86/mo
  • $0 Premium Plans: 6
  • Average MOOP: $5,858 ($9,250 max. in 2027)
  • Star Ratings (Plan Mix): 4+ Stars: 83% · 3 Stars: 17% · Below 3: 0%
  • Average Part D Deductible: $300.00
  • Total MA/MAPD Enrollment: 132
  • Plans with the Highest Enrollment
    (as of October 5, 2026)
    1. Medicare Plus Blue Vitality (PPO) — 52 enrollees
    2. Medicare Plus Blue Value (PPO) — 47 enrollees
    3. Humana USAA Honor Giveback (PPO) — 18 enrollees

This page and its statistics exclude Medicare Advantage Special Needs Plans (SNPs). Special Needs Plans in Luce County, MI are summarized separately. Visit Medicare Options in Luce County, MI to see more options. For a broader perspective, explore Michigan Medicare Advantage plans, including statewide premiums, out-of-pocket costs, CMS ratings, and enrollment comparisons.

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
9
Average Monthly Premium
$72.92/mo
Total PPO Enrollment
132
$0 Premium PPO Plans
5
Average MOOP
$6,289
Top PPO by Enrollment
Medicare Plus Blue Vitality (PPO) — 52 enrollees
PPO Plans Without Drug Coverage
3

2027 PPO Medicare Advantage plans in Luce County, Michigan (comparison chart)
PPO Plan Name Rating* Premium MOOP Rx Ded. Plan-ID
Humana Full Access Giveback
☆☆☆☆☆
$0 $9,850 $150 H7617-058-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $6,550 N/A H7617-054-0
Medicare Plus Blue Assure
☆☆☆☆☆
$299 $4,000 $100 H9572-003-3
Medicare Plus Blue Signature
☆☆☆☆☆
$168 $4,300 $200 H9572-001-3
Medicare Plus Blue Value
☆☆☆☆☆
$0 $6,750 $700 H9572-010-0
Medicare Plus Blue Vitality
☆☆☆☆☆
$100 $5,000 $250 H9572-002-3
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $6,550 N/A H5216-190-0
Humana Full Access R0110-014
☆☆☆☆☆
$89 $7,050 $700 R0110-014-0
HumanaChoice R0110-013
☆☆☆☆☆
$0 $6,550 N/A R0110-013-0

What is the average monthly premium for PPO plans in Luce?

PPO plans in Luce cost $72.92 per month on average.

Which PPO plan has the highest enrollment in Luce?

The most popular PPO plan in Luce is Medicare Plus Blue Vitality (PPO), with 52 enrollees.

How many PPO plans in Luce do not include prescription drug coverage?

3 PPO plans in Luce 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
3
Average Monthly Premium
$128.67/mo
Total HMO-POS Enrollment
0
$0 Premium HMO-POS Plans
1
Average MOOP
$4,567
Top HMO-POS by Enrollment
— 0 enrollees
HMO-POS Plans Without Drug Coverage
1

2027 HMO-POS Medicare Advantage plans in Luce County, Michigan (comparison chart)
Plan Name Rating* Premium MOOP Rx Ded. Plan-ID
BCN Advantage Classic
☆☆☆☆☆
$138 $4,800 $200 H5883-002-3
BCN Advantage Elements
☆☆☆☆☆
$0 $4,500 N/A H5883-017-0
BCN Advantage Prestige
☆☆☆☆☆
$248 $4,400 $100 H5883-003-3

What is the typical premium for HMO-POS plans in Luce?

HMO-POS plans in Luce cost $128.67 per month on average.

Which HMO-POS plan has the most members in Luce?

The most popular HMO-POS plan in Luce is , with 0 enrollees.

How many HMO-POS options are offered without prescription drug coverage in Luce?

There are 1 HMO-POS plans in Luce without prescription drug coverage.

CMS quality ratings for Medicare Advantage plans in Luce County, MI (2027) are summarized below.

Medicare Advantage Plan Ratings in Luce County, MI (2027)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 10 83%
3 Stars 2 17%
Below 3 Stars 0 0%
Not Rated 0 0%
Average Rating 4.29

* CMS assigns Medicare Advantage star ratings annually based on plan quality and performance measures.

Medicare Advantage plans listed on this page are available to eligible beneficiaries residing in Luce County, Michigan, including communities such as Newberry, and other areas throughout the county. Plan availability is determined by county of residence, not by city.

  • CMS.gov, Medicare Advantage & Special Needs Plan Landscape Source Files — Version: 202609
  • CMS.gov, Medicare Part C & D Performance Data — Version: 2026
  • CMS.gov, Medicare Advantage & Part D Contract and Enrollment Data — Version: 2026-09

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.

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