Top-Rated Medicare Advantage Plans in Bay City (Bay County) for 2027
Longevity Health Plan, Blue Cross Blue Shield of Michigan and Priority Health Medicare have 2027 plans in Bay County rated 4.5 stars or higher by Medicare in the 2027 CMS Star Ratings.
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2027 CMS Star Ratings
Top-rated Medicare Advantage plans in Bay County (2027 CMS Star Ratings)
Of the 66 Medicare Advantage plans offered in Bay County for 2027, 1 is rated 5 stars, 16 are rated 4.5 stars and 18 are rated 4 stars in the 2027 CMS Star Ratings. 4 plans have no 2027 star score: CMS lists 4 “Plan too new to be measured”.
Bay County includes Bay City. Plans are approved for the whole county, so the same plans are offered in all of it.
| Plan | Insurer | Plan type | 2027 overall rating |
|---|---|---|---|
| Longevity Health Plan (HMO I-SNP) | Longevity Health Plan | HMO I-SNP | 5 out of 5 |
| Aetna Medicare Eagle (PPO) | Aetna (CVS Health) | PPO | 4.5 out of 5 (health plan rating) |
| BCN Advantage Classic (HMO-POS) | Blue Care Network | HMO-POS | 4.5 out of 5 |
| BCN Advantage Prestige (HMO-POS) | Blue Care Network | HMO-POS | 4.5 out of 5 |
| Humana Full Access (PPO) | Humana | PPO | 4.5 out of 5 |
| Humana Full Access Giveback (PPO) | Humana | PPO | 4.5 out of 5 |
| Humana USAA Honor Giveback (PPO) | Humana | PPO | 4.5 out of 5 (health plan rating) |
| Medicare Plus Blue + Meijer (PPO) | Blue Cross Blue Shield of Michigan | PPO | 4.5 out of 5 |
| Medicare Plus Blue Assure (PPO) | Blue Cross Blue Shield of Michigan | PPO | 4.5 out of 5 |
| Medicare Plus Blue Signature (PPO) | Blue Cross Blue Shield of Michigan | PPO | 4.5 out of 5 |
| Medicare Plus Blue Value (PPO) | Blue Cross Blue Shield of Michigan | PPO | 4.5 out of 5 |
| Medicare Plus Blue Vitality (PPO) | Blue Cross Blue Shield of Michigan | PPO | 4.5 out of 5 |
| PriorityMedicare (HMO-POS) | Priority Health Medicare | HMO-POS | 4.5 out of 5 |
| PriorityMedicare Latitude (HMO-POS) | Priority Health Medicare | HMO-POS | 4.5 out of 5 |
| PriorityMedicare Smart Savings (HMO-POS) | Priority Health Medicare | HMO-POS | 4.5 out of 5 |
| PriorityMedicare Value (HMO-POS) | Priority Health Medicare | HMO-POS | 4.5 out of 5 |
| UHC Dual Complete MI-S001 (PPO D-SNP) | UnitedHealthcare | PPO D-SNP | 4.5 out of 5 |
| Aetna Medicare Signature (PPO) | Aetna (CVS Health) | PPO | 4 out of 5 |
| BCN Advantage Elements (HMO-POS) | Blue Care Network | HMO-POS | 4 out of 5 (health plan rating) |
| HAP Medicare Complete Duals (HMO D-SNP) | Health Alliance Plan by Henry Ford Health | HMO D-SNP | 4 out of 5 |
| HAP Medicare Connect (HMO) | Health Alliance Plan by Henry Ford Health | HMO | 4 out of 5 |
| HAP Medicare Diabetes and Heart (HMO C-SNP) | Health Alliance Plan by Henry Ford Health | HMO C-SNP | 4 out of 5 |
| HAP Medicare Superior (HMO) | Health Alliance Plan by Henry Ford Health | HMO | 4 out of 5 |
| HAP Senior Plus (HMO-POS) | Health Alliance Plan by Henry Ford Health | HMO-POS | 4 out of 5 |
| Humana Dual Select H5216-385 (PPO D-SNP) | Humana | PPO D-SNP | 4 out of 5 |
| Humana Full Access (PPO) | Humana | PPO | 4 out of 5 |
| Humana Full Access (PPO) | Humana | PPO | 4 out of 5 |
| Humana Full Access Giveback (PPO) | Humana | PPO | 4 out of 5 |
| Humana USAA Honor Giveback (PPO) | Humana | PPO | 4 out of 5 (health plan rating) |
| Humana Value Plus H5216-382 (PPO) | Humana | PPO | 4 out of 5 |
| HumanaChoice - Diabetes and Heart (PPO C-SNP) | Humana | PPO C-SNP | 4 out of 5 |
| HumanaChoice SNP-DE H5216-388 (PPO D-SNP) | Humana | PPO D-SNP | 4 out of 5 |
| Premier Care (HMO-POS I-SNP) | Align Senior Care | HMO-POS I-SNP | 4 out of 5 |
| PriorityMedicare Merit (PPO) | Priority Health Medicare | PPO | 4 out of 5 |
| Senior Care (HMO I-SNP) | Align Senior Care | HMO I-SNP | 4 out of 5 |
| Aetna Medicare Signature (HMO-POS) | Aetna (CVS Health) | HMO-POS | 3.5 out of 5 |
| HAP Medicare Complete Assist (PPO D-SNP) | Health Alliance Plan by Henry Ford Health | PPO D-SNP | 3.5 out of 5 |
| HAP Medicare Explore (PPO) | Health Alliance Plan by Henry Ford Health | PPO | 3.5 out of 5 |
| HAP Medicare MedicalAccess (HMO) | Health Alliance Plan by Henry Ford Health | HMO | 3.5 out of 5 (health plan rating) |
| HAP Medicare Prime (PPO) | Health Alliance Plan by Henry Ford Health | PPO | 3.5 out of 5 |
| HAP Member Assist (PPO) | Health Alliance Plan by Henry Ford Health | PPO | 3.5 out of 5 |
| HAP Senior Plus (PPO) | Health Alliance Plan by Henry Ford Health | PPO | 3.5 out of 5 |
| Humana Full Access R0110-014 (Regional PPO) | Humana | PPO | 3.5 out of 5 |
| Humana Gold Plus SNP-DE H8908-005 (HMO D-SNP) | Humana | HMO D-SNP | 3.5 out of 5 |
| Humana Gold Plus SNP-DE H8908-007 (HMO D-SNP) | Humana | HMO D-SNP | 3.5 out of 5 |
| HumanaChoice R0110-013 (Regional PPO) | Humana | PPO | 3.5 out of 5 (health plan rating) |
| Molina Medicare Complete Care (HMO D-SNP) | Molina Healthcare of Michigan | HMO D-SNP | 3.5 out of 5 |
| PriorityMedicare D-SNP (HMO D-SNP) | Priority Health Medicare | HMO D-SNP | 3.5 out of 5 |
| AARP Medicare Advantage from UHC MI-0001 (PPO) | UnitedHealthcare | PPO | 3 out of 5 |
| AARP Medicare Advantage from UHC MI-0002 (PPO) | UnitedHealthcare | PPO | 3 out of 5 |
| AARP Medicare Advantage Patriot No Rx MI-MA01 (PPO) | UnitedHealthcare | PPO | 3 out of 5 (health plan rating) |
| McLaren Medicare Inspire (HMO) | McLaren Medicare | HMO | 3 out of 5 |
| McLaren Medicare Inspire Giveback (HMO) | McLaren Medicare | HMO | 3 out of 5 |
| McLaren Medicare Inspire Plus (HMO) | McLaren Medicare | HMO | 3 out of 5 |
| UHC Complete Care Support MI-3 (PPO C-SNP) | UnitedHealthcare | PPO C-SNP | 3 out of 5 |
| UHC Dual Advantage MI-V1 (HMO-POS D-SNP) | UnitedHealthcare | HMO-POS D-SNP | 3 out of 5 |
| UHC Dual Complete MI-Q1 (HMO-POS D-SNP) | UnitedHealthcare | HMO-POS D-SNP | 3 out of 5 |
| UHC Dual Complete MI-S3 (HMO D-SNP) | UnitedHealthcare | HMO D-SNP | 3 out of 5 |
| Wellcare Assist (HMO-POS) | Centene (WellCare) | HMO-POS | 3 out of 5 |
| Wellcare Giveback (HMO-POS) | Centene (WellCare) | HMO-POS | 3 out of 5 |
| Wellcare Meridian Health Dual Access (HMO-POS D-SNP) | Centene (WellCare) | HMO-POS D-SNP | 3 out of 5 |
| Wellcare Simple (HMO-POS) | Centene (WellCare) | HMO-POS | 3 out of 5 |
| AARP Medicare Advantage from UHC MI-4 (HMO-POS) | UnitedHealthcare | HMO-POS | Plan too new to be measured |
| AARP Medicare Advantage Patriot No Rx MI-MA2 (HMO-POS) | UnitedHealthcare | HMO-POS | Plan too new to be measured |
| UHC Complete Care MI-5 (HMO-POS C-SNP) | UnitedHealthcare | HMO-POS C-SNP | Plan too new to be measured |
| Wellcare Meridian Health Dual Liberty (HMO D-SNP) | Centene (WellCare) | HMO D-SNP | Plan too new to be measured |
A plan without Part D drug coverage has no overall rating; its Part C summary rating (health plan rating) is shown instead, as CMS does.
Compare plans for your ZIP code in Medicare's Plan Finder on Medicare.gov.
What Medicare Star Ratings measure
CMS rates every Medicare Advantage contract from 1 to 5 stars each year. For 2027, the health plan (Part C) rating looks at five areas: staying healthy (screenings, tests and vaccines), managing chronic (long-term) conditions, members' experience with the plan, member complaints and changes in the plan's performance, and the plan's customer service. A plan with drug coverage is also rated on four drug plan (Part D) areas: customer service, member complaints and changes in performance, members' experience, and drug safety and accuracy of drug pricing.
The scores come from member surveys, information plans and providers report, and Medicare's own data such as complaints and appeals. The overall rating combines the health and drug plan measures; a plan without drug coverage has a Part C summary rating instead. Ratings are given per contract, so every plan under the same contract carries the same stars.
The 5-star Special Enrollment Period
Medicare's 5-star Special Enrollment Period lets you switch, once, to a plan with a 5-star overall rating that is offered where you live, outside the usual enrollment periods. For plans rated 5 stars for 2027, it runs from December 8, 2026 through November 30, 2027.
In Bay County, 1 Medicare Advantage plan has a 5-star overall rating for 2027, so the 5-star Special Enrollment Period can apply here.
If you switch from a plan with drug coverage to a 5-star plan without it, you could lose your drug coverage, so check before you switch.
Every year, Medicare evaluates plans based on a 5-star rating system.
These ratings are CMS's, not ours, and we do not recommend plans. A rating does not tell you whether a plan covers your doctors and drugs or what it charges.
Source: CMS 2027 Star Ratings Data Tables (Summary Ratings), released October 8, 2026; plans offered: CMS CY2027 Medicare Advantage Landscape file.
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