McLaren Medicare Inspire Giveback (HMO)

Available to residents of Hillsdale County, MI for 2027. Contract H6322, plan 008, segment 0.

2027 drug-by-drug coverage is not published by CMS yet. The drug lookup covers 2026, whose formulary is live.

Renewed, service area reduced for 2027. CMS carries this plan forward from 2026. Every MI plan’s 2026–2027 changes →

Plan details

Monthly premium (Part C + D)	$0.00
— medical (Part C) part	$0.00
— drug (Part D) part	$0.00?
Monthly premium with full Extra Help (LIS)	$0.00?
Part B premium reduction (giveback)	$70.00 a month?You must continue to pay your Medicare Part B premium.
Health plan deductible (in-network)	None
In-network out-of-pocket maximum	$6,750.00?
Drug deductible	$615.00Tier 1 and 6 exempt
Drug out-of-pocket threshold	$2,400.00
Plan type	HMO?
Contract / plan	H6322-008-0
Offered by	McLaren Medicare
Parent organization	McLaren Health Care Corporation
Formulary tiers	6
Formulary exception tier	5?
Pharmacy search	www.mclarenhealthplan.org
Member services	(833)358-2404TTY 711

CMS star ratings

Overall: 3 out of 5 stars for Overall
Health plan (Part C): 3 out of 5 stars for Health plan (Part C)
Drug plan (Part D): 3 out of 5 stars for Drug plan (Part D)

Published per contract — every plan under contract H6322 shares this rating.

Plan health benefits

Service	In-network
Doctor visits
Primary care doctor	$0 copay
Specialist	$0–$50 copay
Other health care professional	$25–$50 copay
Additional telehealth services	$0–$50 copay
Preventive care
Medicare-covered preventive services	$0 copay
Annual physical exam	$0 copay
Kidney disease education	$0 copay
Glaucoma screening	$0 copay
Diabetes self-management training	$0 copay
Diagnostic tests, labs and imaging
Diagnostic tests and procedures	$20–$350 copay(authorization required)
Lab services	$0 copay(authorization required)
Diagnostic radiology (e.g. MRI, CT)	$150–$350 copay(authorization required)
Therapeutic radiology	20% coinsurance(authorization required)
Outpatient x-rays	$25–$350 copay(authorization required)
Emergency and urgent care
Emergency room	$130 copay
Urgent care	$50 copay
Worldwide emergency coverage	$130 copay · $50,000 plan limit
Worldwide urgent care	$50 copay · $50,000 plan limit
Worldwide emergency transportation	Not covered
Hospital care
Inpatient hospital stay	$550 per day for days 1–5; $0 per day for days 6–90(authorization required)
Outpatient hospital services	$550 copay(authorization required)
Outpatient observation	$550 copay
Ambulatory surgical center	$450 copay(authorization required)
Outpatient blood services	$0 copay
Skilled nursing and home health
Skilled nursing facility	$0 per day for days 1–20; $221 per day for days 21–100(authorization required)
Home health care	$0 copay
Kidney dialysis	20% coinsurance
Rehabilitation
Occupational therapy	$50 copay(authorization required)
Physical therapy and speech-language therapy	$45 copay(authorization required)
Cardiac rehabilitation	$25 copay
Pulmonary rehabilitation	$20 copay
Mental health and substance use
Inpatient psychiatric hospital stay	$465 per day for days 1–5; $0 per day for days 6–90(authorization required)
Outpatient mental health, individual session	$50 copay
Outpatient mental health, group session	$50 copay
Psychiatrist, individual session	$50 copay
Psychiatrist, group session	$50 copay
Partial hospitalization	$80 copay(authorization required)
Intensive outpatient program	$80 copay
Outpatient substance use, individual session	$50 copay
Outpatient substance use, group session	$50 copay
Opioid treatment program	$50 copay(authorization required)
Ambulance and transportation
Ground ambulance	$350 copay(authorization required)
Air ambulance	$350 copay(authorization required)
Transportation to plan-approved locations	Not covered
Medical equipment and supplies
Durable medical equipment (e.g. wheelchairs, oxygen)	20% coinsurance(authorization required)
Prosthetics (e.g. braces, artificial limbs)	20% coinsurance(authorization required)
Medical supplies	20% coinsurance(authorization required)
Diabetes supplies	$0 copay(authorization required)
Diabetic therapeutic shoes or inserts	20% coinsurance(authorization required)
Chiropractic, acupuncture and foot care
Chiropractic (Medicare-covered)	$15 copay
Routine chiropractic care	Not covered
Acupuncture	Not covered
Foot exams and treatment (Medicare-covered)	$50 copay
Routine foot care	Not covered
Dental?
Medicare-covered dental services	$50 copay
Preventive dental plan limit	$1,500 plan limit every year
Oral exams	$0 copay(limits apply)
Cleanings	$0 copay(limits apply)
Fluoride treatment	$0 copay(limits apply)
Dental x-rays	$0 copay(limits apply)
Other diagnostic dental services	Optional supplemental benefit (extra premium)
Other preventive dental services	Not covered
Restorative services (fillings, crowns)	50% coinsurance
Endodontics (root canals)	Optional supplemental benefit (extra premium)
Dentures and other removable prosthodontics	Optional supplemental benefit (extra premium)
Maxillofacial prosthetics	Not covered
Implants	Optional supplemental benefit (extra premium)
Bridges and other fixed prosthodontics	Optional supplemental benefit (extra premium)
Orthodontics	Not covered
Adjunctive general services	$0 copay
Vision?
Eye exam (Medicare-covered)	$50 copay
Routine eye exam	$0 copay
Eyewear after cataract surgery (Medicare-covered)	$0 copay
Contact lenses	$0 copay
Eyeglasses (frames and lenses)	$0 copay
Eyeglass lenses	Not covered
Eyeglass frames	Not covered
Eyewear upgrades	Not covered
Hearing?
Hearing exam (Medicare-covered)	$50 copay
Routine hearing exam	$0 copay(limits apply)
Hearing aid fitting and evaluation	$0 copay
Hearing aids (all types)	$699–$999 copay(limits apply)
Hearing aids, inner ear	Not covered
Hearing aids, outer ear	Not covered
Hearing aids, over the ear	Not covered
Medicare Part B drugs
Part B insulin	$35 copay(authorization required, step therapy may apply)
Chemotherapy and radiation drugs	0%–20% coinsurance(authorization required, step therapy may apply)
Other Part B drugs	0%–20% coinsurance(authorization required, step therapy may apply)
Other extra benefits?
Over-the-counter (OTC) allowance	Covered (allowance not stated)
Meals after a hospital stay or for a chronic condition	Not covered
Fitness benefit	$0 copay
Health education	Not covered
Nutritional / dietary benefit	$0 copay
Extra smoking and tobacco cessation counseling	Not covered
Enhanced disease management	$0 copay
Telemonitoring	Not covered
Remote access technologies (web/phone, nurse line)	Not covered
Home and bathroom safety devices	Not covered
Counseling services	Not covered
In-home safety assessment	Not covered
Personal emergency response system (PERS)	Not covered
Medical nutrition therapy	Not covered
Post-discharge in-home medication reconciliation	Not covered
Re-admission prevention	$0 copay
Wigs for hair loss from chemotherapy	Not covered
Weight management programs	Not covered
Alternative therapies	$0 copay
Therapeutic massage	Not covered
Adult day health services	Not covered
Home-based palliative care	Not covered
In-home support services	Not covered
Support for caregivers	Not covered

In-network cost-sharing as the plan filed it with CMS (CMS plan benefit package (PBP) files, CY2027). A range means the cost depends on the service or setting. Rows the filing does not state are left out rather than guessed. Contact the plan for the full Evidence of Coverage.

Drug tiers — preferred pharmacy, initial coverage

Tier	Cost-sharing
Tier 1 · Preferred Generic	$0.00
Tier 2 · Generic	$12.00
Tier 3 · Preferred Brand	25%
Tier 4 · Non-Preferred Brand	25%
Tier 5 · Specialty Tier	25%
Tier 6 · Select Care Drugs	$0.00

Rx cost-sharing by coverage phase

Tier	30-day supply			90-day supply
Tier	Preferred	Standard	Mail Order	Preferred	Standard	Mail Order
Initial coverage phase
Tier 1: Preferred Generic	$0.00	$0.00	n/a	$0.00	$0.00	$0.00
Tier 2: Generic	$12.00	$12.00	n/a	$36.00	$36.00	$27.00
Tier 3: Preferred Brand	25%	25%	n/a	25%	25%	25%
Tier 4: Non-Preferred Brand	25%	25%	n/a	25%	25%	25%
Tier 5: Specialty Tier	25%	25%	25%	n/a	n/a	n/a
Tier 6: Select Care Drugs	$0.00	$0.00	n/a	$0.00	$0.00	$0.00

These are the initial coverage phase amounts, as the plan filed them in its benefit package. The deductible and post-threshold phases are not stated per tier in that filing, so they are not shown here rather than being inferred; the plan's annual out-of-pocket threshold is $2,400.00.

Star rating measures

Measures are paired between the two years by name, not by the C/D number: CMS reuses those numbers, and in 2027 nineteen of them refer to a different measure than they did in 2026. A measure introduced for 2027 has no 2026 score to show. Published per contract — every plan under H6322 shares it.

Benefits in plain text

McLaren Medicare Inspire Giveback (HMO) (H6322-008-0) is a 2027 HMO Medicare Advantage plan offered by McLaren Medicare, available to residents of Hillsdale County, MI.

The monthly premium is $0.00.

The plan reduces the member's Medicare Part B premium by $70.00 a month (a "giveback"); the Part B premium itself must still be paid.

With full Extra Help (the Low-Income Subsidy), the total monthly premium is $0.00.

There is no in-network deductible for health services.

Its in-network out-of-pocket maximum is $6,750.00.

The drug deductible is $615.00. Tier 1 and 6 exempt.

At a preferred pharmacy in the initial coverage phase, a 30-day supply costs tier 1 (Preferred Generic): $0.00; tier 2 (Generic): $12.00; tier 3 (Preferred Brand): 25%; tier 4 (Non-Preferred Brand): 25%; tier 5 (Specialty Tier): 25%; tier 6 (Select Care Drugs): $0.00.

CMS gives the plan's contract (H6322) an overall rating of 3 out of 5 stars.

Email a copy of the plan benefit details

Plan facts come from the CMS plan Landscape file and the CMS plan benefit package (PBP) files.