Medicare Plus Blue 2027: Blue Cross Blue Shield of Michigan Medicare Advantage Plans

People searching for Blue Cross Medicare in Michigan often don’t realize there are two separate companies under the same Blue umbrella, each with its own plans, network rules and star rating contract.

The practical difference is the network. A Medicare Advantage PPO like Medicare Plus Blue lets you see out-of-network doctors at a higher cost and doesn’t require referrals. A Medicare Advantage HMO like BCN Advantage generally keeps you in network in exchange for lower costs, and some BCN plans are HMO-POS plans with limited out-of-network coverage. For Blue plans in other states, see our guide to Blue Cross Medicare Advantage plans.

CMS released the 2027 Star Ratings in October 2026. Both BCBSM contracts scored 4.5 stars, and analysts named Blue Cross Blue Shield of Michigan one of the carriers that gained ground this year while several national insurers slipped. Here is how the Blue plans compare with other Michigan carriers.

Star ratings measure things like preventive care, chronic condition management, member experience and customer service. A 4.5-star rating is well above the 2027 national average of 3.99. For every carrier’s results, see our 2027 Medicare Advantage star ratings, and for Detroit-area alternatives see HAP Medicare Advantage plans.

BCBSM prices its Medicare Plus Blue PPO plans by region, so the same plan can cost different amounts depending on where in Michigan you live. These figures come from BCBSM’s 2027 Evidence of Coverage and Summary of Benefits documents.

How to read this. Essential has the lowest premium but the highest out-of-pocket ceiling, so it suits people who rarely use care. Vitality costs more each month but caps in-network spending at $5,000 and lowers specialist copays, which can pay off for anyone with ongoing treatment. The Meijer co-branded plan adds everyday extras like an over-the-counter allowance and fitness, and in one region it includes a $12.10 monthly Part B premium reduction.

The maximum out-of-pocket covers medical services only and does not include prescription drugs. All three plans include Part D drug coverage, and an optional dental and vision package is available for an extra $27.10 a month. Benefits and premiums vary by county, and not every plan is sold in every area.

Blue Care Network sells the HMO side of the Blue lineup in Michigan under the BCN Advantage name, including HMO-POS plans such as BCN Advantage Classic and Prime Value in past years. HMO plans typically trade network flexibility for lower out-of-pocket costs, and you’ll usually choose a primary care doctor who coordinates referrals.

BCN Advantage plans may include dental, vision, hearing or over-the-counter benefits, depending on the plan and county. Not all plans offer all benefits, and plan names and availability can change from year to year. Check each plan’s 2027 Summary of Benefits for your ZIP code before you compare it with a Medicare Plus Blue PPO.

Michigan has the highest Medicare Advantage enrollment rate of any state, with about 63.7% of Medicare beneficiaries in a Medicare Advantage plan. The 2027 market is slightly smaller and slightly pricier than 2026:

If you’re a current member, your Annual Notice of Change letter lists exactly what changes in your plan for 2027. For the bigger picture, see our overview of Medicare Advantage plans 2027.

A strong fit if you:

Look harder at other options if you:

Other Michigan carriers to compare include HAP, Priority Health, Humana and Zing Health.