Most Michigan Medicaid members are required to enroll in a Medicaid Health Plan (MHP), Michigan's name for the managed care organizations in its Comprehensive Health Care Program. Under the contract cycle that took effect October 1, 2024, MDHHS contracts with nine MHPs to deliver that mandatory managed care. Plan choice is hyperlocal: availability varies by county.
This guide lists the nine MHPs in the current contract cycle, how availability works by county, how to switch plans, and how to pick one. It also covers the two major carve-outs, behavioral health and MI Choice waiver services, that sit outside the MHP.
The Nine Current Michigan Medicaid Health Plans
Michigan contracts with nine Medicaid Health Plans under the Comprehensive Health Care Program contracts that took effect October 1, 2024, per the MDHHS Medicaid Health Plan listing.Centers for Medicare & Medicaid Services. (1915). Michigan Comprehensive Health Care Program 1915(b) (MI-0011). medicaid.gov. Retrieved Sep 4, 2026, from https://www.medicaid.gov/medicaid/section-1115-demo/demonstration-and-waiver-list/82116 Michigan, not the plan, defines the Medicaid benefit package these plans deliver, so before you choose, check with each plan on the things that can vary between them: which providers and pharmacies are in network, how your medicines are covered, and what extras the plan adds on top.Centers for Medicare & Medicaid Services. (n.d.). Medicaid.gov - Mandatory & Optional Medicaid Benefits (federal state-plan benefit taxonomy). medicaid.gov. Retrieved Sep 4, 2026, from https://www.medicaid.gov/medicaid/benefits/mandatory-optional-medicaid-benefits
| Medicaid Health Plan | Where it operates |
|---|---|
| Aetna Better Health of Michigan | Varies by county; confirm with MI ENROLLS |
| Blue Cross Complete of Michigan | Varies by county; confirm with MI ENROLLS |
| HAP CareSource | Varies by county; confirm with MI ENROLLS |
| McLaren Health Plan | Varies by county; confirm with MI ENROLLS |
| Meridian Health Plan of Michigan | Varies by county; confirm with MI ENROLLS |
| Molina Healthcare of Michigan | Varies by county; confirm with MI ENROLLS |
| Priority Health Choice | Varies by county; confirm with MI ENROLLS |
| UnitedHealthcare Community Plan | Varies by county; confirm with MI ENROLLS |
| Upper Peninsula Health Plan | The Upper Peninsula |
These nine MHPs serve most Michigan Medicaid members. AmeriHealth Caritas Michigan and Humana Healthy Horizons are not standard MHPs in Michigan; they participate in Michigan's separate dual-eligible integration program, MI Coordinated Health.Centers for Medicare & Medicaid Services. (1915). Michigan Comprehensive Health Care Program 1915(b) (MI-0011). medicaid.gov. Retrieved Sep 4, 2026, from https://www.medicaid.gov/medicaid/section-1115-demo/demonstration-and-waiver-list/82116 MI Coordinated Health (MICH) is a distinct Highly-Integrated Dual Eligible Special Needs Plan (HIDE SNP) program, not an MHP: MDHHS says it is for Michigan residents age 21 or older who are enrolled in both Medicare and Medicaid, do not live in a state-operated veteran's home, and are not currently enrolled in hospice care. For 2026 it runs in ten counties plus any Upper Peninsula county except Chippewa, Gogebic, and Menominee.Centers for Medicare & Medicaid Services. (n.d.). CMS — D-SNPs: Integration & Unified Appeals & Grievance Requirements. cms.gov. Retrieved Sep 4, 2026, from https://www.cms.gov/medicare/medicaid-coordination/about/dsnps See our MI Coordinated Health guide for that program.
Who Has to Be in an MHP
Most Michigan Medicaid members must enroll in an MHP.Centers for Medicare & Medicaid Services. (1915). Michigan Comprehensive Health Care Program 1915(b) (MI-0011). medicaid.gov. Retrieved Sep 4, 2026, from https://www.medicaid.gov/medicaid/section-1115-demo/demonstration-and-waiver-list/82116 Two groups get part or all of their care another way:
- MI Choice Waiver participants. Their waiver services are carved out of MHP coverage and are delivered through their waiver agency, while their acute care continues through the MHP.Centers for Medicare & Medicaid Services. (1915). Michigan Comprehensive Health Care Program 1915(b) (MI-0011). medicaid.gov. Retrieved Sep 4, 2026, from https://www.medicaid.gov/medicaid/section-1115-demo/demonstration-and-waiver-list/82116
- MI Coordinated Health enrollees, who get all their Medicare benefits and most of their Medicaid benefits, including long-term services and supports, through the MICH plan.Centers for Medicare & Medicaid Services. (n.d.). CMS — D-SNPs: Integration & Unified Appeals & Grievance Requirements. cms.gov. Retrieved Sep 4, 2026, from https://www.cms.gov/medicare/medicaid-coordination/about/dsnps
MDHHS decides which coverage category you fall into. If you are not sure whether you have to pick a Health Plan, MI ENROLLS can answer general questions about your Medicaid benefits and enroll you by phone in the plan you choose.State of Michigan. (n.d.). MDHHS — Hotlines (statewide MDHHS phone directory). michigan.gov. Retrieved Aug 1, 2026, from https://www.michigan.gov/mdhhs/inside-mdhhs/hotlines
How Plan Availability Works by County
Not every plan serves every county. Plan availability varies by county, and the roster moves with the contract cycle, so a plan a neighbor has may not be an option where you live. Upper Peninsula Health Plan serves the Upper Peninsula.Centers for Medicare & Medicaid Services. (1915). Michigan Comprehensive Health Care Program 1915(b) (MI-0011). medicaid.gov. Retrieved Sep 4, 2026, from https://www.medicaid.gov/medicaid/section-1115-demo/demonstration-and-waiver-list/82116
There are two reliable ways to see your real choices:
- Call MI ENROLLS at 1-888-367-6557, the state's Medicaid managed-care enrollment line. MDHHS says it can answer general questions about Medicaid benefits, tell you which doctors, pharmacies, and hospitals are part of each Health Plan, and enroll you by phone in the Health Plan you choose.State of Michigan. (n.d.). MDHHS — Hotlines (statewide MDHHS phone directory). michigan.gov. Retrieved Aug 1, 2026, from https://www.michigan.gov/mdhhs/inside-mdhhs/hotlines
- Or open the MDHHS Medicaid Health Plan listing and find the "Michigan Medicaid Health Plan Listed by County" document, the official county-by-county roster.Centers for Medicare & Medicaid Services. (1915). Michigan Comprehensive Health Care Program 1915(b) (MI-0011). medicaid.gov. Retrieved Sep 4, 2026, from https://www.medicaid.gov/medicaid/section-1115-demo/demonstration-and-waiver-list/82116
Do this before you compare anything else, because a plan's extras do not matter if the plan is not offered in your county.
What Michigan Medicaid Health Plans Cover
MDHHS says Michigan Medicaid covers medically necessary services. The ones that matter most for older adults:Centers for Medicare & Medicaid Services. (n.d.). Medicaid.gov - Mandatory & Optional Medicaid Benefits (federal state-plan benefit taxonomy). medicaid.gov. Retrieved Sep 4, 2026, from https://www.medicaid.gov/medicaid/benefits/mandatory-optional-medicaid-benefits
- Doctor visits, including physician services
- Inpatient and outpatient hospital care
- Emergency services and ambulance
- Lab and X-ray
- Medicine prescribed by a doctor
- Physical and occupational therapy
- Home health care, hospice care, and nursing home care
- Personal care services and private duty nursing
- Dental, substantially expanded for beneficiaries 21 and older effective April 1, 2023
- Vision
- Hearing and speech services
- Podiatry (foot care) and chiropractic
- Medical supplies
- Non-emergency medical transportation (NEMT)
MDHHS cautions that some of these services are limited and may not be covered for beneficiaries age 21 and older, and that some may require prior approval, so confirm the specifics before you count on a service.Centers for Medicare & Medicaid Services. (n.d.). Medicaid.gov - Mandatory & Optional Medicaid Benefits (federal state-plan benefit taxonomy). medicaid.gov. Retrieved Sep 4, 2026, from https://www.medicaid.gov/medicaid/benefits/mandatory-optional-medicaid-benefits
Michigan, not the plan, defines this benefit package. What changes when you move between plans is which doctors, pharmacies, and specialists are in network.Centers for Medicare & Medicaid Services. (n.d.). Medicaid.gov - Mandatory & Optional Medicaid Benefits (federal state-plan benefit taxonomy). medicaid.gov. Retrieved Sep 4, 2026, from https://www.medicaid.gov/medicaid/benefits/mandatory-optional-medicaid-benefits
What's Carved OUT of the MHP
Two big categories sit outside the MHP:Centers for Medicare & Medicaid Services. (1915). Michigan Comprehensive Health Care Program 1915(b) (MI-0011). medicaid.gov. Retrieved Sep 4, 2026, from https://www.medicaid.gov/medicaid/section-1115-demo/demonstration-and-waiver-list/82116
Behavioral Health and Substance Use
Behavioral health is carved out of the MHP to Michigan's regional Prepaid Inpatient Health Plans (PIHPs).Centers for Medicare & Medicaid Services. (1915). Michigan Comprehensive Health Care Program 1915(b) (MI-0011). medicaid.gov. Retrieved Sep 4, 2026, from https://www.medicaid.gov/medicaid/section-1115-demo/demonstration-and-waiver-list/82116 MDHHS contracts with those regional PIHPs to manage the network of behavioral health providers, including the Community Mental Health Service Providers embedded in communities across the state. Your MHP is not the payer for those services.Centers for Medicare & Medicaid Services. (n.d.). Medicaid.gov - Mandatory & Optional Medicaid Benefits (federal state-plan benefit taxonomy). medicaid.gov. Retrieved Sep 4, 2026, from https://www.medicaid.gov/medicaid/benefits/mandatory-optional-medicaid-benefits
MI Choice Waiver Services
If you are enrolled in the MI Choice Waiver, your waiver services are carved out of MHP coverage and are delivered through your waiver agency, while your acute care continues through the MHP.Centers for Medicare & Medicaid Services. (1915). Michigan Comprehensive Health Care Program 1915(b) (MI-0011). medicaid.gov. Retrieved Sep 4, 2026, from https://www.medicaid.gov/medicaid/section-1115-demo/demonstration-and-waiver-list/82116 MDHHS says MI Choice participants receive the basic services Michigan Medicaid covers, supports coordination, and waiver services such as adult day health, community living supports, home delivered meals, respite services, and personal emergency response systems.Centers for Medicare & Medicaid Services. (n.d.). Medicaid.gov - Mandatory & Optional Medicaid Benefits (federal state-plan benefit taxonomy). medicaid.gov. Retrieved Sep 4, 2026, from https://www.medicaid.gov/medicaid/benefits/mandatory-optional-medicaid-benefits
Knowing these carve-outs matters when a family asks "why isn't my MHP paying for my mom's counseling appointments?" or "why weren't my mother's MI Choice aide bills covered by her health plan?" In both cases the answer is the same: that service is carved out to a different contractor.
Extra Benefits: Ask Each Plan What It Adds
Michigan defines the Medicaid benefit package every plan delivers, so anything a plan offers beyond it is that plan's own addition.Centers for Medicare & Medicaid Services. (n.d.). Medicaid.gov - Mandatory & Optional Medicaid Benefits (federal state-plan benefit taxonomy). medicaid.gov. Retrieved Sep 4, 2026, from https://www.medicaid.gov/medicaid/benefits/mandatory-optional-medicaid-benefits Those extras vary by plan and change from year to year, and no state roster of them sits on our desk, so the only reliable way to compare is to ask each plan directly. Questions worth putting to each plan's member services line before you enroll:
- Do you offer an over-the-counter allowance, and what does it cover?
- Do you add any dental coverage above the state package?
- Do you cover rides to non-medical errands such as the pharmacy or the grocery store?
- Do you offer a fitness or gym membership?
- Do you offer a food benefit for members managing a chronic condition?
- Do you run a nurse advice line, and what hours is it staffed?
- Do you offer rewards for preventive care such as flu shots and annual checkups?
Ask for the plan's own current benefit sheet in writing before you decide, and treat anything a marketer says on the phone as a starting point rather than a promise.
How to Choose a Plan
Work through these steps in order; the network check matters far more than the perks.
Check the provider network first
Call your primary care doctor, your specialists, and any hospital you want to use, and ask which Medicaid plans they accept. This is the single most important criterion, because extras do not matter if your doctor is out of network.
Check the pharmacy network and formulary
Confirm your pharmacy is in network and that your medications, especially any specialty drugs, are on the plan's preferred drug list or have an available alternative.
Compare dental networks
Michigan substantially expanded adult dental benefits for beneficiaries 21 and older effective April 1, 2023, so ask each plan for its current dental network directory.Centers for Medicare & Medicaid Services. (n.d.). Medicaid.gov - Mandatory & Optional Medicaid Benefits (federal state-plan benefit taxonomy). medicaid.gov. Retrieved Sep 4, 2026, from https://www.medicaid.gov/medicaid/benefits/mandatory-optional-medicaid-benefits
Weigh any extras
Decide which of the plan-added benefits above actually matter for your situation.
Call MI ENROLLS at 1-888-367-6557
MDHHS's Medicaid managed-care enrollment line can answer general questions about Medicaid benefits, tell you which doctors, pharmacies, and hospitals are part of each Health Plan, and enroll you by phone in the plan you choose.State of Michigan. (n.d.). MDHHS — Hotlines (statewide MDHHS phone directory). michigan.gov. Retrieved Aug 1, 2026, from https://www.michigan.gov/mdhhs/inside-mdhhs/hotlines
How to Switch Plans
Federal Medicaid managed care rules at 42 CFR 438.56 let you request disenrollment from your plan on a set schedule:U.S. Government Publishing Office. (n.d.). 42 CFR 438.56 — Disenrollment: requirements and limitations (eCFR). ecfr.gov. Retrieved Jul 24, 2026, from https://www.ecfr.gov/current/title-42/chapter-IV/subchapter-C/part-438/subpart-B/section-438.56
- For cause, at any time.
- Without cause, during the 90 days following your initial enrollment in the plan, or following the date the state sends you notice of that enrollment, whichever is later.
- Without cause, at least once every 12 months after that.U.S. Government Publishing Office. (n.d.). 42 CFR 438.56 — Disenrollment: requirements and limitations (eCFR). ecfr.gov. Retrieved Jul 24, 2026, from https://www.ecfr.gov/current/title-42/chapter-IV/subchapter-C/part-438/subpart-B/section-438.56
The regulation's "good cause" reasons are specific. They are: you move out of the plan's service area; the plan does not cover the service you seek because of moral or religious objections; you need related services performed at the same time, not all of them are available in network, and a provider determines that receiving them separately would subject you to unnecessary risk; you use managed long-term services and supports and a residential, institutional, or employment-supports provider changes from in-network to out-of-network in a way that disrupts your residence or employment; or other reasons, including poor quality of care, lack of access to services covered under the contract, or lack of access to providers experienced in dealing with your care needs.U.S. Government Publishing Office. (n.d.). 42 CFR 438.56 — Disenrollment: requirements and limitations (eCFR). ecfr.gov. Retrieved Jul 24, 2026, from https://www.ecfr.gov/current/title-42/chapter-IV/subchapter-C/part-438/subpart-B/section-438.56
To switch, call MI ENROLLS at 1-888-367-6557; MDHHS says the line can enroll you by phone in the Health Plan you choose.State of Michigan. (n.d.). MDHHS — Hotlines (statewide MDHHS phone directory). michigan.gov. Retrieved Aug 1, 2026, from https://www.michigan.gov/mdhhs/inside-mdhhs/hotlines
Trying to pick a Medicaid Health Plan or switch? Chat with Brevy and we'll walk through network fit, extra-benefit comparison, and pharmacy coverage for your specific situation.
Common Misconceptions
"All MHPs are the same." Michigan defines the Medicaid benefit package every plan delivers, but the plans are not interchangeable: networks, pharmacy formularies, dental networks, and any extras a plan adds all differ. The plan you pick affects which doctors you can see.Centers for Medicare & Medicaid Services. (n.d.). Medicaid.gov - Mandatory & Optional Medicaid Benefits (federal state-plan benefit taxonomy). medicaid.gov. Retrieved Sep 4, 2026, from https://www.medicaid.gov/medicaid/benefits/mandatory-optional-medicaid-benefits
"My MHP covers my mental health." Not directly. Behavioral health is carved out of the MHP to Michigan's regional PIHPs.Centers for Medicare & Medicaid Services. (1915). Michigan Comprehensive Health Care Program 1915(b) (MI-0011). medicaid.gov. Retrieved Sep 4, 2026, from https://www.medicaid.gov/medicaid/section-1115-demo/demonstration-and-waiver-list/82116
"MI Choice and my MHP conflict." They do not, because they cover different things. MI Choice waiver services come through your waiver agency; your acute care continues through the MHP.Centers for Medicare & Medicaid Services. (1915). Michigan Comprehensive Health Care Program 1915(b) (MI-0011). medicaid.gov. Retrieved Sep 4, 2026, from https://www.medicaid.gov/medicaid/section-1115-demo/demonstration-and-waiver-list/82116
"I can't switch plans until open enrollment." The 90-day new-enrollee window and "for cause" disenrollment are available outside any annual window. The once-every-12-months opportunity is the without-cause route after your first 90 days.U.S. Government Publishing Office. (n.d.). 42 CFR 438.56 — Disenrollment: requirements and limitations (eCFR). ecfr.gov. Retrieved Jul 24, 2026, from https://www.ecfr.gov/current/title-42/chapter-IV/subchapter-C/part-438/subpart-B/section-438.56
"AmeriHealth Caritas and Humana are Michigan Medicaid Health Plans." They are not standard MHPs. Both participate in Michigan's separate dual-eligible integration program, MI Coordinated Health.Centers for Medicare & Medicaid Services. (1915). Michigan Comprehensive Health Care Program 1915(b) (MI-0011). medicaid.gov. Retrieved Sep 4, 2026, from https://www.medicaid.gov/medicaid/section-1115-demo/demonstration-and-waiver-list/82116
Where to Get Help
Frequently Asked Questions
How many Michigan Medicaid Health Plans are there in 2026?
Nine, under the Comprehensive Health Care Program contracts that took effect October 1, 2024: Aetna Better Health of Michigan, Blue Cross Complete of Michigan, HAP CareSource, McLaren Health Plan, Meridian Health Plan of Michigan, Molina Healthcare of Michigan, Priority Health Choice, UnitedHealthcare Community Plan, and Upper Peninsula Health Plan, which serves the Upper Peninsula. Plan availability varies by county.Centers for Medicare & Medicaid Services. (1915). Michigan Comprehensive Health Care Program 1915(b) (MI-0011). medicaid.gov. Retrieved Sep 4, 2026, from https://www.medicaid.gov/medicaid/section-1115-demo/demonstration-and-waiver-list/82116 To find out which plans serve yours, call MI ENROLLS at 1-888-367-6557.State of Michigan. (n.d.). MDHHS — Hotlines (statewide MDHHS phone directory). michigan.gov. Retrieved Aug 1, 2026, from https://www.michigan.gov/mdhhs/inside-mdhhs/hotlines
Do I have to enroll in an MHP?
Most Michigan Medicaid members do.Centers for Medicare & Medicaid Services. (1915). Michigan Comprehensive Health Care Program 1915(b) (MI-0011). medicaid.gov. Retrieved Sep 4, 2026, from https://www.medicaid.gov/medicaid/section-1115-demo/demonstration-and-waiver-list/82116 MI Choice Waiver participants keep the MHP for their acute care while their waiver services come through their waiver agency, and people enrolled in MI Coordinated Health get their Medicare benefits and most of their Medicaid benefits through the MICH plan instead.Centers for Medicare & Medicaid Services. (n.d.). CMS — D-SNPs: Integration & Unified Appeals & Grievance Requirements. cms.gov. Retrieved Sep 4, 2026, from https://www.cms.gov/medicare/medicaid-coordination/about/dsnps If you are not sure which applies to you, call MI ENROLLS at 1-888-367-6557.State of Michigan. (n.d.). MDHHS — Hotlines (statewide MDHHS phone directory). michigan.gov. Retrieved Aug 1, 2026, from https://www.michigan.gov/mdhhs/inside-mdhhs/hotlines
How do I switch Medicaid Health Plans?
Call MI ENROLLS at 1-888-367-6557; MDHHS says the line can enroll you by phone in the Health Plan you choose.State of Michigan. (n.d.). MDHHS — Hotlines (statewide MDHHS phone directory). michigan.gov. Retrieved Aug 1, 2026, from https://www.michigan.gov/mdhhs/inside-mdhhs/hotlines Under 42 CFR 438.56 you may request disenrollment for cause at any time, without cause during the 90 days after your initial enrollment (or after the state sends notice of it, whichever is later), and without cause at least once every 12 months after that. Good cause includes moving out of the plan's service area, poor quality of care, and lack of access to services covered under the contract or to providers experienced in dealing with your care needs.U.S. Government Publishing Office. (n.d.). 42 CFR 438.56 — Disenrollment: requirements and limitations (eCFR). ecfr.gov. Retrieved Jul 24, 2026, from https://www.ecfr.gov/current/title-42/chapter-IV/subchapter-C/part-438/subpart-B/section-438.56
Does my MHP cover mental health?
Not directly. Behavioral health is carved out of the MHP to Michigan's regional Prepaid Inpatient Health Plans (PIHPs).Centers for Medicare & Medicaid Services. (1915). Michigan Comprehensive Health Care Program 1915(b) (MI-0011). medicaid.gov. Retrieved Sep 4, 2026, from https://www.medicaid.gov/medicaid/section-1115-demo/demonstration-and-waiver-list/82116 MDHHS contracts with those regional PIHPs to manage the network of behavioral health providers, including the Community Mental Health Service Providers embedded in communities across the state.Centers for Medicare & Medicaid Services. (n.d.). Medicaid.gov - Mandatory & Optional Medicaid Benefits (federal state-plan benefit taxonomy). medicaid.gov. Retrieved Sep 4, 2026, from https://www.medicaid.gov/medicaid/benefits/mandatory-optional-medicaid-benefits
What's the difference between an MHP and a MICH plan?
MHPs serve most Michigan Medicaid members.Centers for Medicare & Medicaid Services. (1915). Michigan Comprehensive Health Care Program 1915(b) (MI-0011). medicaid.gov. Retrieved Sep 4, 2026, from https://www.medicaid.gov/medicaid/section-1115-demo/demonstration-and-waiver-list/82116 MI Coordinated Health (MICH) is a separate Highly-Integrated Dual Eligible Special Needs Plan (HIDE SNP) program for Michigan residents age 21 or older who are enrolled in both Medicare and Medicaid, do not live in a state-operated veteran's home, and are not currently enrolled in hospice care. It took effect January 1, 2026, covers all Medicare benefits and most Medicaid benefits including long-term services and supports, and for 2026 runs in ten counties plus any Upper Peninsula county except Chippewa, Gogebic, and Menominee, with statewide expansion planned for 2027.Centers for Medicare & Medicaid Services. (n.d.). CMS — D-SNPs: Integration & Unified Appeals & Grievance Requirements. cms.gov. Retrieved Sep 4, 2026, from https://www.cms.gov/medicare/medicaid-coordination/about/dsnps See our MI Coordinated Health guide for more.
Related Terms
- Managed Care Organization (MCO): The national term for what Michigan calls an MHP.
- HCBS waiver: MI Choice is carved out of MHP coverage.
- Consumer Directed Services (CDS): Relevant to MI Choice's Self-Determination Option.
Learn More
Find personalized help picking a Michigan Medicaid Health Plan at brevy.com.
The information on Brevy.com is for educational purposes only and is not a substitute for professional legal, financial, or medical advice. Rules vary by state and program and change frequently. Always verify with the relevant agency or a qualified professional. Brevy is not a law firm, financial advisor, or healthcare provider.