Medicare Advantage

Have Medicare and Michigan Medicaid? Your 2027 Options

For 2027, Detroit is looking at 86 Medicare Advantage plans: 12 new, 16 gone since 2026, and 37 still here but changed on premium, deductible, plan type or name, 5 of them under a new name. Below, how the lineup shifted in Wayne County and what to compare, with no plan ranked or recommended.

DETROIT — For Detroiters who have both Medicare and Medicaid, the 2027 plan year brings eight Dual Special Needs Plans (D-SNPs) to choose from in Wayne County, with a new entrant from UnitedHealthcare joining the lineup. The Annual Enrollment Period runs October 15 through December 7, 2026, and any change made during that window takes effect January 1, 2027 — but dual-eligible residents also have more chances to change plans than most people on Medicare.

What a D-SNP is, in plain terms

A Dual Special Needs Plan is a type of Medicare Advantage plan built for people who have both Medicare and Medicaid. All D-SNPs include prescription drug coverage, and they are designed to coordinate the two programs so you have one plan handling your care.

Detroit sits in Wayne County, and Medicare plan availability is set at the county level. For 2027, the CMS Medicare Advantage Landscape shows 8 D-SNPs in Wayne County, alongside 11 Chronic Condition SNPs (C-SNPs) and 3 Institutional SNPs (I-SNPs). The table below lists every D-SNP available in the county.

The 2027 D-SNP lineup in Wayne County

Eight carriers each offer one D-SNP in the county for 2027:

• Aetna (CVS Health) — Aetna Medicare HIDE (HMO D-SNP)
• AmeriHealth Caritas VIP Care — AmeriHealth Caritas VIP Care (HMO D-SNP)
• Centene (WellCare) — Wellcare Meridian Dual Align (HMO D-SNP)
• HAP CareSource MI Coordinated Health — HAP CareSource MI Coordinated Health (HMO D-SNP)
• Humana — Humana Dual Integrated (HMO D-SNP)
• Molina Healthcare of Michigan — Molina Dual MI Coordinated Health (HMO D-SNP)
• Priority Health Medicare — PriorityMedicare Dual Premier (HMO D-SNP)
• UnitedHealthcare — UHC Dual Complete MI-Y1 (HMO D-SNP), new for next year

For specifics — premiums, copays, drug lists, provider networks and extra benefits — use the Medicare Plan Finder at medicare.gov, call 1-800-MEDICARE, or read a plan's Evidence of Coverage.

Who qualifies: full versus partial dual eligibility

To join a D-SNP, you need both Medicare (usually Parts A and B) and some form of Michigan Medicaid help. There are two broad groups:

• Full dual eligibles have full Medicaid benefits in addition to Medicare. Medicaid can help pay for things Medicare does not cover, such as long-term services and supports, and it typically covers Medicare's cost-sharing.
• Partial dual eligibles get help from a Medicare Savings Program (such as QMB, SLMB or QI) that pays certain Medicare premiums and, in some cases, cost-sharing — but not full Medicaid benefits.

Different D-SNPs serve different categories of dual eligibility, so a plan that fits one neighbor may not fit another. Michigan's Medicaid agency, MDHHS, is the office that confirms your level. If you are not sure which category you fall into, ask MDHHS or call 1-800-MEDICARE before enrolling.

How often a dual-eligible person can change plans

Most people on Medicare can change Advantage or Part D plans during the Annual Enrollment Period (October 15 – December 7) and, if already in Medicare Advantage, during the Medicare Advantage Open Enrollment Period (January 1 – March 31).

People with Medicaid or Extra Help generally get more flexibility. There is a monthly opportunity for dual-eligible and Extra Help enrollees to make certain changes — for example, joining an integrated D-SNP that works closely with Michigan Medicaid, or moving from a Medicare Advantage plan back to Original Medicare with a stand-alone drug plan. The exact rules have shifted in recent years, so the safest step is to call 1-800-MEDICARE to confirm what applies to you this month.

How to confirm your eligibility

A few straightforward steps:

1. Confirm your Medicare status. Log in at medicare.gov or check your red, white and blue Medicare card to confirm you have Part A and Part B. 2. Confirm your Medicaid status with MDHHS. The Michigan Department of Health and Human Services can tell you whether you have full Medicaid, a Medicare Savings Program, or both — and at what level. 3. Match your category to a plan. Use the Medicare Plan Finder at medicare.gov to filter D-SNPs in ZIP codes inside Wayne County, or call 1-800-MEDICARE and ask which D-SNPs accept people in your category. 4. Read the Annual Notice of Change. If you are already in a plan, the ANOC your insurer sends in the fall shows what will change for 2027.

What else is changing for 2027

Across all Medicare Advantage plans in Wayne County, CMS data shows 16 plans not returning for 2027, 12 new plans, and 5 renamed plans. If your current plan is on the "not returning" list, you will get a notice from the carrier and you have a special opportunity to pick a new plan.

A few program-wide 2027 figures are already set: the Part D out-of-pocket cap rises to $2,400 (from $2,100 in 2026), and the Part D maximum deductible rises to $700 (from $615 in 2026). For dual-eligible residents, Extra Help often covers most or all drug costs, so these caps may not come into play — but it is worth asking your plan how your drug coverage works. The 2027 Part B premium and deductible, and the 2027 IRMAA income brackets, are expected from CMS later this fall.