2026 Medicare Advantage Plans in Saginaw County, MI
Last update: . Enrollment data updated: June 13, 2026
Saginaw County, MI has 53 Medicare Advantage plans available in 2026. These include 32 plans with no monthly premium, and roughly 62% 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 Saginaw County, MI. Or explore all Medicare Options available in Saginaw County, MI.
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 33
- Average Monthly Premium $31.39/mo
- Total PPO Enrollment 10,772
- $0 Premium PPO Plans 21
- Average MOOP $6,141
- Top PPO by Enrollment HAP Medicare Prime (PPO) — 1,448 enrollees
- PPO Plans Without Drug Coverage 6
What is the most popular PPO plan in Saginaw?
HAP Medicare Prime (PPO) is the top PPO in Saginaw, with 1,448 enrollees.
What is the number of PPO plans without Part D coverage in Saginaw?
There are 6 PPO plans in Saginaw 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
- 7
- Average Monthly Premium
- $7.11/mo
- Total HMO Enrollment
- 1,877
- $0 Premium HMO Plans
- 5
- Average MOOP
- $5,421
- Top HMO by Enrollment
- HAP Medicare Superior (HMO) — 1,292 enrollees
- HMO Plans Without Drug Coverage
- 1
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. | CMS Plan ID |
|---|---|---|---|---|---|
| BCN Advantage ConnectedCare | $41 | $4,400 | $125 | H5883-007-0 | |
| 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 typical premium for HMO plans in Saginaw?
HMO plans in Saginaw cost $7.11 per month on average.
Which HMO plan do most beneficiaries choose in Saginaw?
The most popular HMO plan in Saginaw is HAP Medicare Superior (HMO), with 1,292 enrollees.
How many HMO options are offered without prescription drug coverage in Saginaw?
There are 1 HMO plans in Saginaw 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 13
- Average Monthly Premium $45.09/mo
- Total HMO-POS Enrollment 1,636
- $0 Premium HMO-POS Plans 6
- Average MOOP $5,473
- Top HMO-POS by Enrollment PriorityMedicare Key (HMO-POS) — 482 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 | $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 | |
| Priority Health Medicare PriorityMedicare | $66 | $4,500 | $0 | H2320-028-5 | |
| PriorityMedicare Key | $0 | $5,800 | $200 | H2320-022-5 | |
| PriorityMedicare Smart Savings | $0 | $9,250 | $500 | H2320-032-5 | |
| PriorityMedicare Value | $43 | $5,100 | $100 | H2320-029-5 | |
| PriorityMedicare Vintage | $9 | $5,600 | $615 | H2320-031-0 | |
| HAP Senior Plus | $105 | $4,550 | $0 | H2354-021-0 | |
| Aetna Medicare Signature | $0 | $5,900 | $615 | H3192-010-0 | |
| 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 Saginaw?
In 2026, Saginaw has 13 HMO-POS plans with 1,636 enrollees.
How much do HMO-POS plans cost in Saginaw?
The typical HMO-POS premium in Saginaw is $45.09, and 6 plans have no monthly premium.
Below is a breakdown of CMS star ratings for Medicare Advantage plans available in Saginaw 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) | 33 | 62% |
| 3 Stars | 20 | 38% |
| Below 3 Stars | 0 | 0% |
| Not Rated | 0 | 0% |
| Average Rating | 3.92 | |
* 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 June 13, 2026
- CMS.gov, Medicare Part C & D Performance Data — Last accessed June 13, 2026
- CMS.gov, Medicare Advantage & Part D Contract and Enrollment Data — Last accessed June 13, 2026
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.