McMillan married Jonathan Plummer, in 1998. When they married, McMillan was in her mid 40s, Plummer, his early 20s; he was the inspiration for the love interest of the main character in the book How Stella Got Her Groove Back. Her life did not follow the movie when in December 2004, Plummer told McMillan that he is gay; in March 2005, she filed for divorce. The divorce was settled for an undisclosed amount. In March 2007, McMillan sued Plummer and his lawyer for $40 million citing an intentional strategy to embarrass and humiliate her during the divorce proceedings.
McMillan appeard on Oprah with Plummer, as if she still was in love with him, and would rekindle their relationship anyday if in fact she could.