Medicare Advantage
Wayne County Gets 7 PPOs From One Carrier for 2027
Detroit, fall 2026 — Blue Cross Blue Shield of Michigan has filed its 2027 Medicare Advantage lineup with the federal government, and Detroit shoppers can now see exactly which of its plans will be on offer when the Annual Enrollment Period closes December 7, 2026. Detroit sits in Wayne County, where plan availability is set, and the carrier is bringing seven Medicare Advantage plans to the county for next year — all of them PPOs, all with drug coverage, with one new plan joining the lineup and one not returning from 2026.
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Key takeaways
- Blue Cross Blue Shield of Michigan is offering 7 Medicare Advantage plans in Wayne County for 2027, all PPOs, all with Part D drug coverage.
- One plan is new for 2027 (Medicare Plus Blue + Meijer) and one 2026 plan is not returning; your Annual Notice of Change spells out exactly what is different in your plan.
- The Annual Enrollment Period runs October 15 through December 7, 2026, and any change you make takes effect January 1, 2027.
- Before you pick, check your doctors and prescriptions against the specific plan on medicare.gov or by calling 1-800-MEDICARE.
MyMedicarePlans.org is an independent consumer site. We are not Blue Cross Blue Shield of Michigan, and we are not Medicare. Fifteen other carriers also offer Medicare Advantage plans in Wayne County for 2027, for a county-wide total of 86 plans. This article walks through just one of those carriers so you can compare it to what you have now.
What Blue Cross Blue Shield of Michigan is offering in Wayne County for 2027
For plan year 2027, Blue Cross Blue Shield of Michigan has seven Medicare Advantage plans available to people in Detroit and the rest of Wayne County. The breakdown is simple this year:
- Plan type: 7 PPO plans (no HMOs in this carrier's Wayne County lineup).
- Drug coverage: all 7 include Part D prescription coverage (often called MAPD).
- Special Needs Plans: none — this carrier is not offering a D-SNP, C-SNP or I-SNP in Wayne County for 2027. If you qualify for a Special Needs Plan based on Medicaid, a chronic condition or institutional care, you would need to look at other carriers in the county.
The table below lists every Blue Cross Blue Shield of Michigan plan on offer in Wayne County for 2027, in alphabetical order, with its plan type and whether it includes drug coverage.
What is new, and what is not returning
Compared with 2026, there are two changes worth flagging for Detroit shoppers:
- New for 2027: Medicare Plus Blue + Meijer (PPO) joins the lineup.
- Not returning for 2027: one 2026 plan from this carrier is being discontinued in Wayne County. If you are in a Blue Cross Blue Shield of Michigan plan today, your mailed Annual Notice of Change (ANOC) tells you by name whether your plan is one of the ones ending — and if it is, Medicare gives you a Special Enrollment Period to choose something else.
No plans from this carrier were renamed for 2027.
The rest of the lineup, carried over from 2026
The other six Blue Cross Blue Shield of Michigan plans available in Wayne County for 2027 are returning from 2026:
- Medicare Plus Blue Assure (PPO)
- Medicare Plus Blue Essential (PPO)
- Medicare Plus Blue Giveback (PPO)
- Medicare Plus Blue Secure (PPO)
- Medicare Plus Blue Signature (PPO)
- Medicare Plus Blue Vitality (PPO)
"Returning" does not mean "unchanged." Premiums, copays, drug tiers, provider networks and extra benefits can all shift from one plan year to the next. The ANOC your plan sent you in late September is the official source for what is different about your specific plan in 2027.
How to check a plan against your doctors and prescriptions
Before you pick — or stay put — three quick checks save a lot of headaches in January:
1. Doctors and hospitals. Open the plan's 2027 provider directory (not 2026) and search each doctor, specialist and hospital you use. For a PPO, confirm whether they are in-network; out-of-network care is usually allowed on a PPO but costs more. 2. Prescriptions. Pull up the plan's 2027 formulary (drug list). Check every medication you take: is it covered, what tier is it on, and are there limits like prior authorization or step therapy? 3. Pharmacy. Confirm your pharmacy is a preferred pharmacy under the plan — the same drug can cost different amounts at different pharmacies on the same plan.
The easiest way to do all three at once is the Plan Finder at medicare.gov. Enter your ZIP code, your drug list and your pharmacy, and it will show each plan's estimated yearly cost for your situation. You can also call 1-800-MEDICARE (TTY 1-877-486-2048), 24 hours a day, 7 days a week.
Program-level numbers to keep in mind
A few federal figures sit behind every plan decision this fall:
- Part D out-of-pocket cap: $2,100 in 2026, rising to $2,400 in 2027. Once you hit that cap, you pay $0 for covered drugs for the rest of the year.
- Part D maximum deductible: $615 in 2026, up to $700 in 2027 (plans can set a lower deductible).
- Medicare Prescription Payment Plan: an optional program that spreads your drug costs across the calendar year in monthly payments, instead of paying at the pharmacy counter.
- IRMAA (higher-income surcharges): in 2026, these begin above $109,000 in income for a single filer. The 2027 IRMAA brackets and the 2027 Part B premium and deductible have not been announced yet; CMS typically publishes them later in the fall.
By the numbers
Medicare Part B premium, 2006–2026
The standard monthly Part B premium has climbed from $88.50 in 2006 to $202.90 in 2026. Hover any point for that year’s premium.
Source: CMS. Standard premium shown; in some hold-harmless years many existing enrollees paid less. Confirm at Medicare.gov.
By the numbers
How people get Medicare in Wayne County
(MA penetration in Wayne County)
MA penetration from CMS enrollment data; Medigap share is an estimate. U.S. average is about 54% Medicare Advantage. These are area-level figures, not plan-specific.
2027 plan lineup
Blue Cross Blue Shield of Michigan Medicare Advantage plans in Wayne County for 2027
CMS lists 7 Blue Cross Blue Shield of Michigan Medicare Advantage plans in Wayne County for 2027, alphabetically by carrier. 15 other carriers also offer plans there.
| Plan | Type | Drug coverage | For 2027 |
|---|---|---|---|
| Blue Cross Blue Shield of Michigan 7 plans | |||
| Medicare Plus Blue + Meijer (PPO) | PPO | Yes | New |
| Medicare Plus Blue Assure (PPO) | PPO | Yes | Returning |
| Medicare Plus Blue Essential (PPO) | PPO | Yes | Returning |
| Medicare Plus Blue Giveback (PPO) | PPO | Yes | Returning |
| Medicare Plus Blue Secure (PPO) | PPO | Yes | Returning |
| Medicare Plus Blue Signature (PPO) | PPO | Yes | Returning |
| Medicare Plus Blue Vitality (PPO) | PPO | Yes | Returning |
Source: CMS Medicare Advantage Landscape Source Files, plan years 2026 and 2027. Plan availability is set at the county level. No plan is ranked or recommended; premiums, benefits, networks and star ratings are not shown. Plan details come from the Medicare Plan Finder at medicare.gov or the plan itself.
The 2027 choices, by type
How Blue Cross Blue Shield of Michigan Medicare Advantage plans in Wayne County break down for 2027
HMO plans use a network and usually a primary-care doctor and referrals; HMO-POS plans add some out-of-network coverage; PPO plans also cover out-of-network care, at a higher share; PFFS plans pay any provider that accepts the plan’s terms. Special Needs Plans serve people with Medicare and Medicaid (D-SNP), certain chronic conditions (C-SNP) or living in an institution (I-SNP).
Source: CMS Medicare Advantage Landscape Source Files, plan years 2026 and 2027. Plan availability is set at the county level. No plan is ranked or recommended; premiums, benefits, networks and star ratings are not shown. Plan details come from the Medicare Plan Finder at medicare.gov or the plan itself.
Key dates
Medicare enrollment periods at a glance
- Around your 65thInitial Enrollment PeriodA 7-month window around the month you turn 65 — your first chance to sign up.
- October 15 – December 7Annual Enrollment PeriodAnyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan.
- January 1 – March 31Medicare Advantage Open EnrollmentIf you're already in a Medicare Advantage plan, you can make one change.
- January 1 – March 31General Enrollment PeriodFor people who missed their first chance to sign up for Part B.
- VariesSpecial Enrollment PeriodTriggered by life events like moving or losing other coverage.
Dates are set by Medicare and apply nationwide. Confirm your personal windows at Medicare.gov or 1-800-MEDICARE.
Explore
When can you enroll? An interactive year
Enrollment windows are federal and the same nationwide. Confirm your personal dates at Medicare.gov or 1-800-MEDICARE.
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The parts of Medicare
Good to know
Frequently asked questions
What happens if I do nothing by December 7?
Does Blue Cross Blue Shield of Michigan offer any HMOs or Special Needs Plans in Wayne County for 2027?
I missed December 7. Can I still change my Medicare Advantage plan?
Where can I see every carrier, not just Blue Cross Blue Shield of Michigan?
- CMS — MA Landscape Source File (plan-level availability by county)
- CMS — MA Landscape Source Files, current and coming plan year (year-over-year comparison)
- CMS — Medicare enrollment periods (medicare.gov)
For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
Also for Detroit
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This page was last updated: October 2026.