Medicare Advantage

Medicare in Livonia: 90+ Plan Options in Wayne County for 2026

Wayne County has 81 Medicare Advantage plans for 2027. Compared with 2026, 16 plans are not coming back, 12 are new, and 32 continuing plans changed in some way you should check before December 7, 5 of them under a new name. This guide covers what those numbers mean for Livonia, not which plan to pick.

LIVONIA, Mich. — If you are turning 65 soon or thinking about switching coverage this fall, you have a lot to sort through. Livonia is in Wayne County, where 81 Medicare Advantage plans are available for 2027, according to the Centers for Medicare & Medicaid Services (CMS). That is one of the widest sets of choices in Michigan, and it can feel like a lot for one household to compare.

This guide walks you through what those numbers mean, when to shop, and where to get free, unbiased help.

How many Medicare options are in the Livonia area?

Medicare plan availability is set at the county level, not the city level. Livonia sits inside Wayne County, so the numbers below apply to every ZIP code in the city:

• 81 Medicare Advantage plans are available in Wayne County for 2027.
• 16 carriers offer Medicare Advantage with prescription drug coverage (MA-PD) in the area.
• 0 stand-alone Part D plans are listed separately in the local landscape file — most drug coverage in this county is bundled into Medicare Advantage plans. (People who stay on Original Medicare can still shop stand-alone Part D plans through medicare.gov.)

With more than 293,000 Wayne County residents age 65 and older, this is one of the busiest Medicare markets in the state. That means more choices — but also more homework.

What the "90 plans" number actually means

Eighty-one is the total count of Medicare Advantage contracts and plan benefit packages CMS shows for Wayne County for 2027. Not every plan will fit every person. Availability can vary by ZIP code, and each plan has its own provider network, drug list, and rules.

The count is meant to show the size of the local market, not to suggest you should compare all 81. Most people narrow the list quickly once they check which plans include their doctors, hospitals, and prescriptions.

How to decide: a simple way to narrow the list

Rather than starting with plan names, start with your own situation. Ask yourself:

1. Do I want Original Medicare (Parts A and B) with a separate drug plan, or a Medicare Advantage plan that bundles everything? These are two different paths. 2. Which doctors and hospitals do I want to keep? Call your providers and ask which plans they are in-network with for 2027. 3. What prescriptions do I take? Drug coverage varies plan by plan. The Plan Finder at medicare.gov lets you enter your medications and see estimated yearly drug costs. 4. How often do I travel? Some plans work best when you get care close to home; others travel better. 5. Do I qualify for Extra Help or a Medicare Savings Program? These can lower drug and premium costs for people with limited income.

If two or three plans look close after that, that is when it makes sense to compare them side by side.

Key 2027 dates and dollar figures

A few program-level facts apply no matter which plan you choose:

• Annual Enrollment Period: Oct. 15 – Dec. 7. Changes take effect Jan. 1.
• Medicare Advantage Open Enrollment Period: Jan. 1 – March 31 (for people already in a Medicare Advantage plan who want to switch or return to Original Medicare).
• Part D out-of-pocket cap: $2,100 in 2026 and $2,400 in 2027. Once you hit that amount, you pay nothing for covered drugs the rest of the year.
• Part D maximum deductible: $615 in 2026 and $700 in 2027.
• Coverage gap ("donut hole"): eliminated as of 2025. Part D now has three phases instead of four.
• Medicare Prescription Payment Plan: an optional, no-interest way to spread drug costs across the calendar year in monthly payments.
• IRMAA (income-related surcharge): begins above $109,000 in income for a single filer in 2026.

About Star Ratings

CMS rates Medicare plans on a 1-to-5 star scale for quality and customer experience. In the Wayne County landscape file, 0 contracts are currently rated 4 stars or higher — but ratings shift each year, and star ratings are just one factor. Network, drug coverage, and total costs usually matter more day to day. You can look up any plan's current stars on medicare.gov.

Where to get free, unbiased help

You do not have to figure this out alone, and you do not have to talk to a salesperson to get answers.

• medicare.gov/plan-compare — the official Plan Finder, updated every fall.
• 1-800-MEDICARE (1-800-633-4227) — 24/7 phone help from Medicare directly.
• Michigan Medicare/Medicaid Assistance Program (MMAP) — the state's SHIP program, offering free one-on-one counseling. Call 1-800-803-7174.