Medicare Advantage

Wellcare's 2027 Medicare Advantage plans in Detroit: a plan-by-plan look at Wayne County

DETROIT — Fall 2026. If you have a Wellcare Medicare Advantage plan in Detroit, or you are weighing one for next year, the 2027 lineup for Wayne County is set. Wellcare will offer 4 Medicare Advantage plans in the county for 2027, down from 6 this year, with 0 new plans added and 2 plans not returning. The Annual Enrollment Period runs October 15 through December 7, 2026, and any change you make takes effect January 1, 2027.

MyMedicarePlans.org is an independent consumer site and is not Wellcare. Wellcare is one of 16 carriers offering Medicare Advantage plans in Wayne County for 2027, and all carriers together offer 86 plans in the county.

Which Wellcare Medicare Advantage plans are offered in Detroit for 2027?

Detroit is in Wayne County, where Wellcare will offer 4 Medicare Advantage plans for 2027. By type, that is 1 HMO and 3 HMO-POS. One of the four is a Dual-Eligible Special Needs Plan (D-SNP) for people who have both Medicare and Medicaid. There are no Chronic Condition SNPs (C-SNPs) and no Institutional SNPs (I-SNPs) in the Wellcare lineup for the county.

The table below lists every Wellcare plan available in Wayne County for 2027, with plan type and whether it includes drug coverage. The four 2027 plans are Wellcare Assist (HMO-POS), Wellcare Giveback (HMO-POS), Wellcare Meridian Dual Align (HMO D-SNP) and Wellcare Simple (HMO-POS).

We cannot publish premiums, copays, deductibles, provider networks or star ratings here. Those details come from the Medicare Plan Finder at medicare.gov, from 1-800-MEDICARE, or from each plan's own Evidence of Coverage and provider and pharmacy directories.

Does every Wellcare plan in Wayne County include drug coverage?

Yes. All 4 Wellcare Medicare Advantage plans offered in Wayne County for 2027 include Part D prescription drug coverage. That means if you enroll in one of them, you do not add a separate standalone Part D plan — the drug coverage is built in.

A few Part D program numbers are worth keeping in mind for 2027, because they apply to any Medicare drug plan, including the drug coverage built into a Medicare Advantage plan. CMS has confirmed the Part D out-of-pocket cap will be $2,400 in 2027 (up from $2,100 in 2026), and the Part D maximum deductible will be $700 in 2027 (up from $615 in 2026). The Part D national base beneficiary premium for 2027 is $41.33; that is a formula input CMS uses, not the premium any particular plan charges.

What is a D-SNP, and who can join Wellcare Meridian Dual Align?

A Dual-Eligible Special Needs Plan is a type of Medicare Advantage plan designed for people who have both Medicare and Medicaid. In Wayne County for 2027, Wellcare's D-SNP is Wellcare Meridian Dual Align (HMO D-SNP), and it includes drug coverage.

To join a D-SNP you have to qualify for both programs. If you are not sure whether you qualify for Medicaid in Michigan, call 1-800-MEDICARE or check with the Michigan Medicaid program before enrolling.

What is changing in Wellcare's Detroit lineup for 2027?

In Wayne County, Wellcare is going from 6 plans in 2026 to 4 plans in 2027. That is 2 plans not returning and 0 new plans. No plans in the carrier's county lineup are renamed.

If you are already in a Wellcare plan, you should receive an Annual Notice of Change (ANOC) from the plan before AEP. The ANOC spells out what is different about your plan for 2027 — including any changes to the premium, cost-sharing, drug list or extra benefits — and whether your plan is being discontinued. If a plan is leaving, members get a Special Enrollment Period to pick something else. If you do nothing and your plan is still offered, it renews automatically on January 1, 2027, with the ANOC's changes.

How do I check a Wellcare plan against my doctors and prescriptions before December 7?

The most reliable way is the Medicare Plan Finder at medicare.gov. You can create a secure account, enter your prescriptions and pharmacy, and compare any plans available in your ZIP code — Wellcare's and other carriers' — side by side.

A short checklist for Detroit residents before December 7, 2026:

• Read your current plan's Annual Notice of Change. It arrives in September or early fall.
• At medicare.gov/plan-compare, enter your Detroit ZIP code and your drug list. The tool will show each plan's estimated yearly drug cost based on your medications and pharmacy.
• Check each plan's provider directory for your doctors, specialists and preferred hospitals. HMO, HMO-POS and PPO plans handle out-of-network care differently.
• Confirm your pharmacy is in the plan's network, and check whether mail order would change your cost.
• If you want to talk it through, call 1-800-MEDICARE (TTY 1-877-486-2048), available 24 hours a day, 7 days a week.

Two 2027 numbers CMS has not yet announced as of September 2026: the standard Part B premium and deductible, and the IRMAA income brackets. CMS typically publishes those in the fall, usually in November. If a Part B figure matters to your decision, check medicare.gov once it is released.

When can I make a change, and what if I miss December 7?

The Annual Enrollment Period for 2027 coverage runs October 15 – December 7, 2026. Changes made in that window take effect January 1, 2027.

If you are already in a Medicare Advantage plan on January 1, 2027, you also have the Medicare Advantage Open Enrollment Period from January 1 to March 31, 2027. During that window you can switch to a different Medicare Advantage plan or go back to Original Medicare (and add a standalone Part D plan). Outside those windows, you generally need a Special Enrollment Period to make a change.