Priority Health Medicare Insurance Review

High-quality Michigan health plan offers extensive extra benefits

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Priority Health Medicare

Priority Health Medicare 

Our Take

Priority Health is a popular, highly rated Michigan health plan. It offers prescription drug coverage benefits in all its plans and offers competitive extra benefits. Though it’s only available in Michigan, coverage while traveling makes most Priority Health plans more flexible than you might think. Priority Health holds its own against national competitors on quality, value, and benefits.

  • Pros & Cons
  • Key Takeaways
  • Company Overview
Pros & Cons
Pros
  • High-quality health plan

  • Coverage while traveling, including some plans which cover you overseas

  • Household discount available

  • Virtually all Michigan primary care doctors and hospitals participate

Cons
  • Only available in Michigan

  • No standalone prescription drug plans available

Key Takeaways
  • A popular nonprofit Michigan health plan 
  • Offers Medicare Advantage, Medigap, and Special Needs Plans 
  • Plans include robust benefits, including many extras
  • $0 copayments on telehealth for primary, specialty, and mental health visits for most Medicare Advantage plans
Company Overview

Priority Health is a nonprofit Michigan health plan founded in 1992 through a merger between two smaller HMOs. Priority Health is majority-owned by Spectrum Health System, an integrated health system that operates hospitals, outpatient services, and urgent care clinics. Priority Health is Michigan’s second-largest and fastest-growing health plan, offering Medicare, Medicaid, individual, and employer group coverage. Nearly all Michigan primary care doctors (97%) and hospitals (96%) accept Priority Health. 

Geographical Restrictions

Priority Health offers Medicare Advantage plans in all 68 counties in Michigan’s Lower Peninsula and Medicare Supplement Insurance (Medigap) plans across the state.

  • Year Founded 1992
  • Kinds of Plans Medicare Advantage HMO-POS, PPO Plans, Medicare Advantage Dual-eligible Special Needs Plans, Medicare Supplement Insurance (Medigap)
  • Number of Plans 4
  • Payment Options Pay by mail, phone, or online, or through automatic electronic funds transfer from your bank account, Social Security deductions, or credit/debit card charges
  • Customer Service Telephone, online, in-person at a walk-in center
  • Phone Number Prospective Members: 888-348-1188; Current Medicare Advantage Members: 888-389-6648; Current Medigap Members: 800-852-9780
  • Official Website www.priorityhealth.com/medicare

Pros Explained

  • High-quality health plan: Highest rated Medicare Advantage HMO-POS plan in Michigan.
  • Coverage while traveling, including some plans which cover you overseas: Many Priority Health plans cover emergency medical care when you travel in the U.S. and, in some plans, around the world. Plans also include access to care anywhere in the U.S. at in-network prices.
  • Household discount available: 12% discount on premiums if multiple household members sign up for a Priority Health Medigap plan; household members must live together but do not need to be related.
  • Virtually all Michigan primary care doctors and hospitals participate: 97% of primary care doctors and 96% of hospitals in Michigan accept Priority Health. 

Cons Explained

  • Available only in Michigan: Priority Health is a local plan that offers Medicare Advantage plans in 68 Lower Peninsula Michigan counties and Medigap plans across the state. 
  • No standalone prescription drug plans available: All Priority Health’s Medicare Advantage plans include prescription drug coverage, which may be a pro, but if you just need prescription coverage without other benefits, this is not the plan for you.

Available Plans

Medicare Advantage Plans

Priority Health offers HMO-POS, PPO, and Special Needs Medicare Advantage plans. 

In 2021, Priority Health offers 204 HMO-POS plans and 310 PPO plans, all with prescription drug coverage. Most plans include $0 copayments for telehealth visits for primary, specialty, and mental health care. Costs and benefit levels vary for HMO-POS and PPO plans.

Priority Health offers Dual-Eligible Special Needs Plans (D-SNP) for people who qualify for both Medicare and Medicaid. D-SNP plans have few out-of-pocket costs, including no deductibles or copayments for hospital and doctor visits or on services like dental, vision, hearing, and telehealth. Members get assigned a care manager to help coordinate their care and benefits. Priority Health offers its D-SNP members brain health and emotional support resources, over-the-counter allowances, transportation assistance, fitness benefits, and companion care through Papa, an in-home, on-demand assistance program. 

Medicare Supplement Insurance (Medigap) Plans

Medicare Supplement Insurance plans, also called Medigap, cover some out-of-pocket costs for consumers that Original Medicare doesn’t. There are ten different types of Medigap plans, each with set benefits and coverage. Within each plan type, the benefits are the same no matter the insurer, but costs and extra benefits vary by insurance company. 

Priority Health offers six Medigap plan types. They vary in how much they cover (set by Medicare, not Priority Health) and what they cost, but all include emergency care while traveling, hearing and vision discounts, and a 12% discount on monthly premiums if another person in your household is also enrolled in a Priority Health Medigap plan.  

  • Plan A: The lowest coverage Medigap option, this plan covers some of the costs Original Medicare doesn’t.
  • Plan C: This plan covers more than Plan A covers, including some basic health care costs consumers face with just Original Medicare.
  • Plan D: This plan helps pay almost all of the costs of basic Original Medicare benefits except for the Part B deductible and excess charges.
  • Plan F: This plan covers the most of any of Priority Health’s Medigap options, including Medicare Part A and B deductibles, copayments for hospitalizations and skilled nursing facilities, and excess charges. There are cost and coverage differences depending on whether your Medicare eligibility began before or after June 1, 2010.
  • Plan G: In addition to covering some of the costs not covered by basic Original Medicare, this plan covers Medicare Part A deductibles. 
  • Plan N: This plan covers Part A deductibles as well as some of the other costs not covered by basic Original Medicare.

Extra Benefits 

Most Medicare plans offer extra benefits such as dental, vision, hearing, fitness, and other benefits. Priority Health’s HMO-POS and PPO plans include vision, dental, and hearing, as well as a range of physical and mental well-being programs, and fitness benefits. Members also can buy enhanced dental and vision coverage. These plans include out-of-state access to providers at in-network rates, emergency medical care while traveling in the U.S. or, in some cases, overseas, and at-home check-ups. Some plans also include an over-the-counter allowance each quarter. 

Customer Service

Prospective members call 888-348-1188, 8 a.m. to 8 p.m., seven days a week. 

Current Medicare Advantage members call 888-389-6648, 8 a.m. to 8 p.m., seven days a week. 

Current Special Needs Plan members call 833-939-0983, 8 a.m. to 8 p.m., seven days a week. 

Current Medigap members call 800-852-9780, 8 a.m. to 8 p.m., seven days a week. 

Members set up an online account for 24/7 access to claims and prescription history and to set communication preferences. Current members can sign up for plan updates by text, email, or mail.

Priority Health also offers an online cost estimator tool for members to preview their out-of-pocket costs of thousands of prescriptions and hundreds of procedures.  

Customer Satisfaction 

The National Association of Insurance Commissioners (NAIC) calculates the ratio of complaints an insurance company receives compared to its share of premiums. Companies that have complaint index scores less than 1.0 received fewer than expected complaints; a score greater than 1.0 means they received more complaints than expected based on their market share. Priority Health’s complaint index has been below 1.0 in 2018 (0.62), 2019 (0.40), and 2020 (0.82).

Third-Party Ratings

AM Best

AM Best, the credit rating agency that assesses insurance companies’ financial strength, gave its A (Excellent) Financial Strength Rating to Priority Health. AM Best noted its credit rating did not change as a result of a merger between Priority Health and Total Health Care, Inc., another Michigan plan, and stated that the merger was likely to strengthen Priority Health’s Medicaid business in Michigan.

NCQA

Most health plans are accredited through the National Committee for Quality Assurance (NCQA), which reviews and rates health plans. In the 2019-2020 ratings, Priority Health’s Medicare Advantage HMO-POS plans scored 4.5 overall, and 4.0 on the customer satisfaction measures. The PPO plans scored 4.0 overall and 3.5 on customer satisfaction. 

Medicare Star Ratings

One way to compare Medicare Advantage plans is by their Medicare Star Rating, issued by the Centers for Medicare and Medicaid Services (CMS). Based on a five-star rating system, Star Ratings reflect how well plans help members access care and how satisfied members are with the plan and its customer service. CMS also considers member complaints into the overall rating. Different plans under a corporate umbrella might be reviewed and rated separately. 

In the 2021 Star Ratings, two Priority Health plans were rated by CMS. One plan earned 4.0 Stars, the other 3.5, averaging 3.75 out of 5.0 Stars. Both plans scored 4.0 on Medicare Advantage Part D, but they diverged on Part C ratings with one earning 4.5 and the other 3.5 Stars.

Cost

Priority Health’s 2021 Medicare Advantage price ranges include both HMO-POS and PPO plans.

HMO-POS plans with prescription drug coverage:

  • Monthly premiums range from $0 to $125.70, averaging $30.68; one-third of these plans have no monthly premium. 
  • Deductibles range from $0 to $100, averaging $58.33; one-third have no deductible.  
  • Annual out-of-pocket maximums for in-network services range from $4,500 to $5,500, averaging $4,967. 

PPO plans with prescription drug coverage:

  • Monthly premiums range from $0 to $151.30, averaging $31.63; one-third of PPO plans have no premiums. 
  • Deductibles range from $0 to $350, averaging $80; more than half (56%) have no deductible.  
  • Annual out-of-pocket maximums for in-network services range from $3,500 to $6,000, averaging $4,857. 

Competition: Priority Health vs. UnitedHealthcare

Michigan has among the highest penetration of Medicare Advantage enrollments among Medicare beneficiaries. Among Medicare Advantage plans with the most enrollments in Michigan, UnitedHealthcare is a large national carrier with similar offerings. UnitedHealthcare and Priority Health score comparably on CSM quality ratings, as well as AM Best ratings.

UnitedHealthcare offers more supplemental plans, but Priority Health provides in-network pricing for providers nationwide, so members who travel get benefits outside of Michigan. Priority Health offers robust extra benefits, at least on par with the national carriers. In its favor, Priority Health has local corporate roots and in-person customer service at their walk-in centers. For local support, Priority Health wins.

  Priority Health UnitedHealthcare
Number of States Available 1 47
Medicare Plans 14 7
Customer Service Options Telephone, online, in-person at a walk-in center Telephone, online, in-person, chat
AM Best Rating A (Excellent) A (Excellent)
Average CMS Star Rating 3.69 3.78
Final Verdict

Priority Health offers a choice between comprehensive Medicare Advantage plans with lots of extra benefits and supplemental Medigap plans. This local plan gives members access to care while traveling in the U.S., and some include overseas emergency coverage. A popular local brand, it works with most of the primary care doctors and hospitals in Michigan. Priority Health is a good choice for Michigan residents, especially those who spend part of the year elsewhere.

How We Reviewed Medicare Providers

Even Medicare health plans with a national presence can vary locally in their cost, quality, and customer satisfaction. To evaluate Medicare plans, we looked at health insurance industry ratings from the primary accrediting agency for health plans, NCQA, and the Medicare Star Ratings from CMS, the regulatory agency that oversees Medicare. We included the National Association of Insurance Commissioners’ complaint index, and AM Best’s financial stability ratings. We also considered information from the companies on their programs and strategies.

Article Sources

Investopedia requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy .
  1. Centers for Medicare and Medicaid Services. “Prescription Drug Coverage - General Information.” Download "2021 Plan and Premium Information for Medicare Plans Offering Part D Coverage," then open "Medicare Part D 2021 Plan Report 09082020.xls". Accessed July 23, 2021.

  2. Medicare.gov. “What’s Medicare Supplement Insurance (Medigap)?” Accessed July 23, 2021.

  3. Kaiser Family Foundation. “Medicare Advantage 2021 Spotlight: First Look.” Accessed July 23, 2021.

  4. National Association of Insurance Commissioners. “Priority Health National Complaint Index Report.” Accessed July 23, 2021.

  5. AM Best. “AM Best Upgrades Issuer Credit Rating for Priority Health.” Accessed July 23, 2021.

  6. AM Best. “AM Best Comments on Credit Ratings of Priority Health Following Completion of the Merger with Total Health Care, Inc.” Accessed July 23, 2021.

  7. NCQA. “NCQA Health Insurance Plan Ratings 2019-2020 – Summary Report (Medicare).” Accessed July 23, 2021. 

  8. Center for Medicare & Medicaid Services. “Part C and D Performance Data." Download "2021 Star Ratings Data Table.” Accessed July 20, 2020.

  9. Kaiser Family Foundation. “A Dozen Facts About Medicare Advantage in 2020.” Accessed July 23, 2021.

  10. Becker’s Payer Issues. “The largest Medicare Advantage insurers in each state.” Accessed July 23, 2021.

  11. AM Best. "AM Best Affirms Credit Ratings of UnitedHealth Group and Most Subsidiaries; Upgrades Credit Ratings of Certain Subsidiaries." Accessed July 23, 2021.