Compare Plans
McLaren Medicare
Inspire (HMO)
| Monthly Premium: |
$0 |
| Annual Deductible: |
$0 |
| Annual Out of Pocket Max: |
$4,200 |
| Office Visit Copay: |
| PCP |
$0 |
| Specialist |
$40 |
Inpatient Hospital
Copay (per day): |
$275/day
(days 1-7) |
| Prescription Drug Deductible (Part D): |
$0 |
Enroll
Plan Details
McLaren Medicare
Inspire Plus (HMO)
| Monthly Premium: |
$25 |
| Annual Deductible: |
$0 |
| Annual Out of Pocket Max: |
$3,500 |
| Office Visit Copay: |
| PCP |
$0 |
| Specialist |
$25 |
Inpatient Hospital
Copay (per day): |
$225/day
(days 1-7) |
| Prescription Drug Deductible (Part D): |
$0 |
Enroll
Plan Details
McLaren Medicare
Inspire Flex Region 1 * (HMO-POS)
| Monthly Premium: |
$0 |
| Annual Deductible: |
$0 |
| Annual Out of Pocket Max: |
$3,800 |
| Office Visit Copay: |
| PCP |
$0 |
| Specialist |
$30 |
Inpatient Hospital
Copay (per day): |
$200/day
(days 1-7) |
| Prescription Drug Deductible (Part D): |
$0 |
Enroll
Plan Details
McLaren Medicare
Inspire Flex Region 2 ** (HMO-POS)
| Monthly Premium: |
$49 |
| Annual Deductible: |
$0 |
| Annual Out of Pocket Max: |
$3,800 |
| Office Visit Copay: |
| PCP |
$0 |
| Specialist |
$30 |
Inpatient Hospital
Copay (per day): |
$200/day
(days 1-7) |
| Prescription Drug Deductible (Part D): |
$0 |
Enroll
Plan Details
* available to people residing in the following counties in our service area: Bay, Charlevoix, Cheboygan, Clinton, Emmet, Genesee, Ingham, Isabella, Lapeer, Macomb, Oakland, and St. Clair counties.
** available to people residing in the following counties in our service area: Alcona, Allegan, Alpena, Antrim, Arenac, Barry, Benzie, Berrien, Branch, Calhoun, Cass, Clare, Crawford, Eaton, Gladwin, Grand Traverse, Gratiot, Hillsdale, Huron, Ionia, Iosco, Jackson, Kalamazoo, Kalkaska, Kent, Lake, Leelanau, Livingston, Manistee, Mecosta, Midland, Missaukee, Montcalm, Montmorency, Newaygo, Ogemaw, Osceola, Oscoda, Otsego, Ottawa, Presque Isle, Roscommon, Saginaw, St. Joseph, Sanilac, Shiawassee, Tuscola, Van Buren, Washtenaw, Wayne, and Wexford counties.
How to Compare Medicare Plans
Medicare Advantage plans offer comprehensive health care coverage that bundles all your benefits into one plan. These plans include hospital coverage (Medicare Part A), medical coverage (Medicare Part B), prescription drug coverage (Medicare Part D) and more.
When it comes to Medicare coverage, there is no one-size-fits-all plan. That’s why there’s a range of plans to choose from. By comparing Medicare plans, you can find the perfect plan that matches your health care needs and your budget.
First, think about your needs and make a list of the services you access the most. This could include doctor’s visits, specialist appointments, and dental care. Next, write down the medications you currently take. Finally, look at the plans available in your area, and compare cost and coverage options.
If you want to work closely with a primary care physician and access a large local network of health care providers, an HMO plan may be the perfect fit. If you want more freedom to access care where and when you need it, a POS plan may be right for you. Compare McLaren Medicare Advantage plans side by side to explore your coverage options, then visit our summary of benefits to compare Medicare Advantage plan costs.
How Does Original Medicare Compare to Medicare Advantage Plans Offered by Private Insurance Plans?
Original Medicare is a federal health care plan that provides hospital and medical coverage in every state. Private insurance companies also offer Medicare plans, called Medicare Advantage plans. While Original Medicare cost and coverage are standardized, Medicare Advantage plans offer a range of coverage and cost options.
Network size: Original Medicare gives you access to a wide range of health care professionals around the country. Private insurance plans often include a smaller network of local providers.
Benefits: Original Medicare has some gaps in coverage. Medicare Part A and Part B only offer hospital and medical coverage. Medicare Advantage plans, on the other hand, offer a range of additional benefits, including prescription drug coverage, dental and vision services and more.
Cost: Original Medicare has standardized costs. This includes monthly premiums, yearly deductibles, and other out-of-pocket costs like coinsurance and copayments. Medicare Advantage plans set their own rates. You may find plans with premiums as low as $0. Plans may also have low copayments and a cap on out-of-pocket spending.