Medicare Advantage

Aetna's 2027 Medicare Advantage lineup in Detroit: what's staying and what's leaving

Detroit — Fall 2026. As Medicare's Annual Enrollment Period gets underway, Aetna has filed its 2027 Medicare Advantage lineup for Wayne County, the county Detroit sits in. The carrier is bringing seven Medicare Advantage plans to the area next year — two fewer than it offered in 2026 — and all of them include prescription drug coverage.

MyMedicarePlans.org is an independent news and education site. We are not Aetna, and we are not Medicare. Aetna is one of 16 carriers selling Medicare Advantage plans in Wayne County for 2027; across all carriers, there are 86 plans to choose from locally. This article walks through just Aetna's piece of that picture, so you can see what the company is offering before you decide whether to stay, switch or do nothing.

What Aetna is offering in Wayne County for 2027

For plan year 2027, Aetna (which CMS lists as Aetna (CVS Health)) has filed seven Medicare Advantage plans in Wayne County. By plan type, that breaks down as:

• 2 HMO plans
• 1 HMO-POS plan
• 4 PPO plans

Two of those are Special Needs Plans: one D-SNP (for people who qualify for both Medicare and Medicaid) and one C-SNP (for people with a qualifying chronic condition). All seven include Part D prescription drug coverage.

The table below lists every Aetna plan in the county for 2027 by name and plan type. The named plans are: Aetna Medicare Chronic Care (HMO C-SNP), Aetna Medicare Eagle (PPO), Aetna Medicare HIDE (HMO D-SNP), Aetna Medicare Signature (HMO-POS), Aetna Medicare Signature (PPO), Aetna Medicare Signature Extra (PPO) and Aetna Medicare Value Care (PPO).

What's new and what's not returning

Compared with 2026, the net change for Aetna in Wayne County is a reduction of two plans. Specifically:

• 0 new Aetna plans for 2027
• 0 renamed
• 2 Aetna plans not returning for 2027

If you are currently in an Aetna plan that is not being offered again next year, Aetna is required to send you a notice. The specifics of your plan's year-over-year changes — including whether it is going away — show up in your Annual Notice of Change (ANOC), which arrives by late September. That document is the single most important piece of mail Medicare households get this time of year.

If you do nothing and your current plan is offered again in 2027, it simply renews with the changes described in the ANOC. If your plan is not returning, you'll need to pick a new one during AEP, or you'll be returned to Original Medicare.

The plan types, in plain English

Aetna's 2027 Detroit-area lineup uses three plan structures:

• HMO plans generally ask you to use in-network providers and often require a referral to see a specialist.
• HMO-POS (point-of-service) plans are HMOs with a limited ability to go out of network for certain services.
• PPO plans typically let you see providers in or out of network, usually with different cost-sharing.
• SNPs (Special Needs Plans) are HMOs or PPOs built for a specific group — in Aetna's Wayne County lineup, that's a D-SNP for people with both Medicare and Medicaid, and a C-SNP for people with certain chronic conditions. SNPs have eligibility rules you need to meet.

We're not attaching costs, networks or ratings to any specific Aetna plan here — those details sit in each plan's Summary of Benefits and Evidence of Coverage, and you can see them side by side on Medicare's Plan Finder.

How to check a plan against your doctors and prescriptions

Before December 7, 2026, it's worth running three quick checks on any plan you're considering — Aetna or otherwise:

1. Doctors and hospitals. Look up each provider in the plan's online directory, or call the provider's billing office and ask whether they will accept that specific plan in 2027. Networks can change year to year. 2. Prescriptions. Enter your medications into the Medicare Plan Finder at medicare.gov. It will show you how each plan's formulary covers your drugs and estimate your yearly drug costs. 3. Pharmacies. Confirm your preferred pharmacy is "preferred" or "in-network" under the plan — the tier matters.

If you take a lot of prescriptions, keep in mind the Part D out-of-pocket cap is $2,400 in 2027 (up from $2,100 in 2026), and the Part D maximum deductible rises to $700 in 2027 (from $615 in 2026). Those are program-wide figures; individual plans can set lower deductibles.

A few 2027 figures to keep in mind

CMS has confirmed these for 2027:

• Part D out-of-pocket cap: $2,400
• Part D maximum deductible: $700
• Part D national base beneficiary premium: $41.33 (this is a formula input, not what any specific plan charges)

The 2027 Part B standard premium and deductible, and the 2027 IRMAA income brackets, have not yet been announced. CMS typically publishes them later in the fall. We'll update coverage when those numbers are released.