Plan year 2027 · Aetna · Bay County, MI
Aetna plans ending in Bay County for 2027
Aetna is ending one plan here for 2027 but still offers 3 other plans in Bay County.
Step 1 · Check your plan
Is your Aetna plan affected?
Tap your plan to see its 2027 status in Bay County, or type its name.
Is your plan one of these?
Aetna has notified CMS that one plan in Bay County will no longer cover the full county starting January 1, 2027. Members will need to choose new coverage during the Annual Enrollment Period (October 15 – December 7, 2026). An estimated 336 Aetna members in Bay County are affected.
Affected Aetna plans
| Plan | What's changing | Effective | What members must do |
|---|---|---|---|
Aetna Medicare Full Dual Care (HMO D-SNP) H3192-007 · HMO D-SNP | Service Area Reduction | January 1, 2027 | Confirm whether your county is still covered. |
What this means for you
If your plan is reducing its service area
The plan continues elsewhere but is dropping Bay County. Because you live in the county being dropped, you are treated the same as a member of a terminated plan: you must pick new coverage and receive the same Special Enrollment Period and Medigap protections.
Can you stay with Aetna in Bay County?
Yes. Aetna offers 3 other Medicare Advantage plans in Bay County for 2027, so switching plans doesn't have to mean switching carriers. Check that your doctors and prescriptions carry over before you choose.
| Plan | Type | Monthly premium |
|---|---|---|
| Aetna Medicare Eagle (PPO)Aetna Medicare$0/moPPO | PPO | $0 |
| Aetna Medicare Signature (HMO-POS)Aetna Medicare$0/moHMO-POS | HMO-POS | $0 |
| Aetna Medicare Signature (PPO)Aetna Medicare$0/moPPO | PPO | $0 |
Plans available in Bay County for 2027
Losing a plan does not mean losing options. 63 Medicare Advantage plans from 10 carriers are offered in Bay County, Michigan for 2027. 41 have a $0 monthly premium, and 14 are D-SNP plans for people with both Medicare and Medicaid.
| Plan | Type | Monthly premium |
|---|---|---|
| AARP Medicare Advantage from UHC MI-0001 (PPO)UnitedHealthcare$0/moPPO | PPO | $0 |
| AARP Medicare Advantage from UHC MI-4 (HMO-POS)UnitedHealthcare$0/moHMO-POS | HMO-POS | $0 |
| AARP Medicare Advantage Patriot No Rx MI-MA01 (PPO)UnitedHealthcare$0/moPPO | PPO | $0 |
| AARP Medicare Advantage Patriot No Rx MI-MA2 (HMO-POS)UnitedHealthcare$0/moHMO-POS | HMO-POS | $0 |
| Aetna Medicare Eagle (PPO)Aetna Medicare$0/moPPO | PPO | $0 |
Showing the 5 lowest-premium of 63 available plans. 2027 star ratings are published by CMS in early October 2026. Premiums shown are the consolidated Part C + D monthly premium.
Dates that matter
Your ANOC letter arrives
Carriers must mail the Annual Notice of Change — and non-renewal notices — before enrollment opens.
Annual Enrollment Period
Pick your 2027 plan. Coverage you choose starts January 1, 2027.
How it works →Medicare Advantage Open Enrollment
Already in a Medicare Advantage plan on January 1? You can make one change: switch plans or go back to Original Medicare.
How it works →
Other carriers changing plans in Bay County
Other Michigan counties Aetna is leaving
Step 2 · Tell us where to send your options
Losing your Aetna plan? Here are your options
Step 3 · Choose your path
You're all set.
Both options are free. Either way, your information stays with our office.