Plan year 2027 · Aetna · Luce County, MI
Is Aetna leaving Luce County in 2027?
Yes. Aetna won't offer Medicare Advantage plans in Luce County in 2027, affecting about 92 members. 13 plans from other carriers are still offered here.
Step 1 · Check your plan
Is your Aetna plan affected?
Tap your plan to see its 2027 status in Luce County, or type its name.
Is your plan one of these?
Aetna has notified CMS that 2 plans in Luce 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 92 Aetna members in Luce County are affected.
Affected Aetna plans
| Plan | What's changing | Effective | What members must do |
|---|---|---|---|
Aetna Medicare Signature (PPO) H5521-285 · PPO | Service Area Reduction | January 1, 2027 | Confirm whether your county is still covered. |
Aetna Medicare Eagle (PPO) H5521-286 · PPO | 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 Luce 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 Luce County?
No. Aetna has no other Medicare Advantage plans in Luce County for 2027, so you'll need a plan from a different carrier. 13 plans from 4 carriers are available.
Plans available in Luce County for 2027
Losing a plan does not mean losing options. 13 Medicare Advantage plans from 4 carriers are offered in Luce County, Michigan for 2027. 6 have a $0 monthly premium, and 1 is a D-SNP plan for people with both Medicare and Medicaid.
| Plan | Type | Monthly premium |
|---|---|---|
| BCN Advantage Elements (HMO-POS)Blue Care Network$0/moHMO-POS | HMO-POS | $0 |
| Humana Full Access Giveback (PPO)Humana$0/moPPO | PPO | $0 |
| Humana USAA Honor Giveback (PPO)Humana$0/moPPO | PPO | $0 |
| Humana USAA Honor Giveback (PPO)Humana$0/moPPO | PPO | $0 |
| HumanaChoice R0110-013 (Regional PPO)Humana$0/moRegional PPO | Regional PPO | $0 |
Showing the 5 lowest-premium of 13 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 Luce 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.