2026 Medicare Advantage Plans in Luce County, MI
Last update: . Enrollment data updated: May 2, 2026
For 2026, Luce County, MI includes 15 Medicare Advantage plans. Enrollment across these plans totals approximately 459, with 9 $0 premium options and 73% rated 4 stars or higher.
Totals on this page exclude Medicare Advantage Special Needs Plans (SNPs). SNP plans for Luce County, MI are provided separately. Or you can discover all Medicare Options in Luce County, MI.
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
- 12
- Average Monthly Premium
- $48.43/mo
- Total PPO Enrollment
- 459
- $0 Premium PPO Plans
- 8
- Average MOOP
- $6,138
- Top PPO by Enrollment
- Humana USAA Honor Giveback with Rx (PPO) — 123 enrollees
- PPO Plans Without Drug Coverage
- 4
| PPO Plan Name | Rating* | Premium | MOOP | Rx Ded. | Plan-ID |
|---|---|---|---|---|---|
| Aetna Medicare Eagle | $0 | $4,900 | N/A | H5521-286-0 | |
| Aetna Medicare Signature | $0 | $5,200 | $615 | H5521-285-0 | |
| Humana USAA Honor Giveback | $0 | $6,550 | N/A | H7617-054-0 | |
| Humana USAA Honor Giveback with Rx | $0 | $8,650 | $90 | H7617-071-0 | |
| Medicare Plus Blue Assure | $291 | $4,000 | $0 | H9572-003-3 | |
| Medicare Plus Blue Signature | $154 | $4,300 | $0 | H9572-001-3 | |
| Medicare Plus Blue Value | $0 | $6,750 | $615 | H9572-010-0 | |
| Medicare Plus Blue Vitality | $82 | $5,000 | $0 | H9572-002-3 | |
| Humana Full Access R0110-014 | $54 | $6,550 | $615 | R0110-014-0 | |
| Humana USAA Honor Giveback | $0 | $6,550 | N/A | H5216-190-0 | |
| Humana USAA Honor Giveback with Rx | $0 | $8,650 | $90 | H5216-305-0 | |
| HumanaChoice R0110-013 | $0 | $6,550 | N/A | R0110-013-0 |
What is the typical premium for PPO plans available in Luce?
PPO plans in Luce cost $48.43 per month on average.
Which PPO plan do most beneficiaries choose in Luce?
The most popular PPO plan in Luce is Humana USAA Honor Giveback with Rx (PPO), with 123 enrollees.
How many PPO options are offered without drug coverage in Luce?
4 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
- $118.20/mo
- Total HMO-POS Enrollment
- 0
- $0 Premium HMO-POS Plans
- 1
- Average MOOP
- $4,300
- Top HMO-POS by Enrollment
- — 0 enrollees
- HMO-POS Plans Without Drug Coverage
- 1
| Plan Name | Rating* | Premium | MOOP | Rx Ded. | Plan-ID |
|---|---|---|---|---|---|
| BCN Advantage Classic | $124 | $4,400 | $0 | H5883-002-3 | |
| BCN Advantage Elements | $0 | $4,500 | N/A | H5883-001-3 | |
| BCN Advantage Prestige | $231 | $4,000 | $0 | H5883-003-3 |
- What is the average monthly premium for HMO-POS plans?
- HMO-POS plans in Luce cost $118.20 per month on average.
- Which HMO-POS plan is most popular in Luce?
- The most popular HMO-POS plan in Luce is , with 0 enrollees.
- How many HMO-POS plans in Luce do not include drug coverage?
- There are 1 HMO-POS plans in Luce without prescription drug coverage.
CMS quality ratings for Medicare Advantage plans in Luce 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) | 11 | 73% |
| 3 Stars | 4 | 27% |
| Below 3 Stars | 0 | 0% |
| Not Rated | 0 | 0% |
| Average Rating | 4.23 | |
* Star ratings are based on CMS quality measures and reflect plan performance for the 2026 rating period.
- 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, "Explore your Medicare coverage options" — Last accessed 25 May, 2025
- NCOA.org, "5 Steps to Choosing the Right Medicare Plan for You" — Last accessed 25 May, 2025
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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.