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

2026 Medicare Advantage Plans in Oceana County, MI

Last update: September 3, 2026.

Oceana County, MI has 42 Medicare Advantage plans available in 2026. These include 25 plans with no monthly premium, and roughly 64% are rated at least 4 stars based on CMS data.

Medicare Advantage Special Needs Plans (SNPs) are not included in the figures shown above. View Special Needs Plans in Oceana County, MI. Or explore all Medicare Options available in Oceana County, MI.

  • PPO Plans
  • HMO Plans
  • HMO-POS Plans

At a Glance

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

Average Monthly Premium: $28.35/mo
$0 Premium Plans: 25
Average MOOP: $5,808 ($9,250 max. in 2026)
Star Ratings (Plan Mix): 4+ Stars: 64% · 3 Stars: 36% · Below 3: 0%
Average Part D Deductible: $274.29
Total MA/MAPD Enrollment: 3,480
Plans with the Highest Enrollment
(as of September 8, 2026)
1. PriorityMedicare Key (HMO-POS) — 1,028 enrollees
2. PriorityMedicare Edge (PPO) — 387 enrollees
3. PriorityMedicare Vital (PPO) — 248 enrollees

Medicare Advantage PPO Plans

Preferred Provider Organization (PPO) plans allow access to both in-network and out-of-network providers. Out-of-network care usually costs more, but PPOs offer greater flexibility in choosing doctors and hospitals.

  • Total PPO Plans 25
  • Average Monthly Premium $31.49/mo
  • Total PPO Enrollment 1,576
  • $0 Premium PPO Plans 14
  • Average MOOP $6,006
  • Top PPO by Enrollment PriorityMedicare Edge (PPO) — 387 enrollees
  • PPO Plans Without Drug Coverage 4

Comparison table of 2026 PPO Medicare Advantage Plans available in Oceana County, Michigan
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Medicare Plus Blue Assure
☆☆☆☆☆
$192 $4,000 $0 H9572-003-1
Medicare Plus Blue Signature
☆☆☆☆☆
$107 $4,300 $0 H9572-001-1
Medicare Plus Blue Value
☆☆☆☆☆
$0 $6,750 $615 H9572-010-0
Medicare Plus Blue Vitality
☆☆☆☆☆
$39 $5,000 $0 H9572-002-1
HAP Medicare Explore
☆☆☆☆☆
$0 $5,400 $200 H2322-011-0
HAP Medicare Prime
☆☆☆☆☆
$0 $5,650 $200 H2322-016-0
HAP Member Assist
☆☆☆☆☆
$9 $5,200 $615 H2322-017-0
HAP Senior Plus
☆☆☆☆☆
$165 $4,150 $0 H2322-008-0
PriorityMedicare Edge
☆☆☆☆☆
$0 $6,000 $200 H4875-020-2
PriorityMedicare Merit
☆☆☆☆☆
$83 $4,200 $0 H4875-016-5
PriorityMedicare Thrive
☆☆☆☆☆
$0 $6,200 $250 H4875-024-1
PriorityMedicare Thrive Plus
☆☆☆☆☆
$49 $5,600 $100 H4875-018-2
PriorityMedicare Vital
☆☆☆☆☆
$0 $6,300 $450 H4875-022-2
AARP Medicare Advantage from UHC MI-0001
☆☆☆☆☆
$0 $6,700 $600 H0294-017-0
AARP Medicare Advantage from UHC MI-0002
☆☆☆☆☆
$64 $5,400 $600 H0294-018-0
AARP Medicare Advantage Patriot No Rx MI-MA01
☆☆☆☆☆
$0 $6,700 N/A H0294-022-0
Humana Full Access Giveback H5216-306
☆☆☆☆☆
$0 $9,150 $0 H5216-306-0
Humana Full Access H5216-011
☆☆☆☆☆
$18 $5,700 $300 H5216-011-0
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
Humana Value Plus H5216-382
☆☆☆☆☆
$9 $9,250 $250 H5216-382-0
HumanaChoice R0110-013
☆☆☆☆☆
$0 $6,550 N/A R0110-013-0
Wellcare Patriot Giveback Open
☆☆☆☆☆
$0 $5,000 N/A H2117-003-0
Wellcare Simple Open
☆☆☆☆☆
$0 $5,200 $615 H2117-001-0
What is the most popular PPO plan in Oceana?

PriorityMedicare Edge (PPO) is the top PPO in Oceana, with 387 enrollees.

What is the number of PPO plans without Part D coverage in Oceana?

There are 4 PPO plans in Oceana without prescription drug coverage.

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
$0.00/mo
Total HMO Enrollment
578
$0 Premium HMO Plans
6
Average MOOP
$5,517
Top HMO by Enrollment
Trinity Health Plan of Michigan Cash Back (HMO) — 237 enrollees
HMO Plans Without Drug Coverage
2

Comparison table of 2026 HMO Medicare Advantage Plans available in Oceana County, Michigan
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
Trinity Health Plan of Michigan Cash Back
☆☆☆☆☆
$0 $7,500 $275 H9179-002-0
Trinity Health Plan of Michigan Glory No RX
☆☆☆☆☆
$0 $6,500 N/A H9179-003-0
Trinity Health Plan of Michigan No Premium
☆☆☆☆☆
$0 $4,500 $100 H9179-001-0

What is the typical premium for HMO plans in Oceana?

HMO plans in Oceana cost $0.00 per month on average.

Which HMO plan do most beneficiaries choose in Oceana?

The most popular HMO plan in Oceana is Trinity Health Plan of Michigan Cash Back (HMO), with 237 enrollees.

How many HMO options are offered without prescription drug coverage in Oceana?

There are 2 HMO plans in Oceana 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 11
  • Average Monthly Premium $36.69/mo
  • Total HMO-POS Enrollment 1,326
  • $0 Premium HMO-POS Plans 5
  • Average MOOP $5,518
  • Top HMO-POS by Enrollment PriorityMedicare Key (HMO-POS) — 1,028 enrollees
  • HMO-POS Plans Without Drug Coverage 1

Comparison table of 2026 HMO-POS Medicare Advantage Plans available in Oceana County, Michigan
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
BCN Advantage Classic
☆☆☆☆☆
$93 $4,400 $0 H5883-002-1
BCN Advantage Elements
☆☆☆☆☆
$0 $4,500 N/A H5883-001-1
BCN Advantage Prestige
☆☆☆☆☆
$178 $4,000 $0 H5883-003-1
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 total number of HMO-POS plans in Oceana?

In 2026, Oceana has 11 HMO-POS plans with 1,326 enrollees.

How much do HMO-POS plans cost in Oceana?

The typical HMO-POS premium in Oceana is $36.69, and 5 plans have no monthly premium.

Below is a breakdown of CMS star ratings for Medicare Advantage plans available in Oceana County, MI for 2026.

CMS Star Ratings for Medicare Advantage Plans in Oceana County, MI (2026)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 27 64%
3 Stars 15 36%
Below 3 Stars 0 0%
Not Rated 0 0%
Average Rating 3.9

* Medicare Advantage star ratings are determined by CMS each year using a standardized 5-star rating system.

  • CMS.gov, Medicare Advantage & Special Needs Plan Landscape Source Files — Version: 202608
  • CMS.gov, Medicare Part C & D Performance Data — Version: 2026
  • CMS.gov, Medicare Advantage & Part D Contract and Enrollment Data — Version: 2026-08

County-level figures shown on this page, including plan counts, enrollment totals, averages, and percentage distributions, reflect standard Medicare Advantage (MA/MAPD) plans only and are derived from CMS datasets using a standardized aggregation methodology.

Data sources and methodology documentation .

  • CMS.gov, "Medicare Advantage Plan Fact Sheet" — Last accessed 25 May, 2025
  • Medicare.gov, "Your coverage options" — Last accessed 25 May, 2025
  • Medicare.gov, "Joining a plan" — 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.

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