Michigan Medicare Plans

After enrolling in Michigan Medicare plans, you’ll need to decide whether to choose Medicare Supplement insurance or a Medicare Advantage plan.

Medicare Supplements help cover deductibles, copayments, coinsurance, and other costs not covered by Original Medicare, potentially saving you thousands of dollars. They also provide the flexibility to see any doctor who accepts Medicare.

Medicare Advantage plans, on the other hand, offer coverage similar to Original Medicare but often include additional benefits, such as prescription drug coverage, and may come with no extra premium.

Michigan Medicare plans open enrollment

Medicare beneficiaries in Michigan become eligible for Medicare at age 65. The initial enrollment period starts three months before your birth month and lasts for three months after. You can also apply for Medicare Supplements during this period.

While you can enroll in a Medicare Supplement plan at any time, the initial enrollment period is the ideal time to do so, as you cannot be denied coverage based on your health.

Medigap Plans

Medicare Supplements in Michigan help cover some or all of the deductibles and coinsurance that Original Medicare doesn’t pay, saving you thousands of dollars. Since Medicare typically covers only about 80% of outpatient expenses and has no limit on out-of-pocket costs, a Supplement can help cap your spending.

A key advantage is the flexibility to see any doctor who accepts Medicare, without being limited by networks.

There are 10 standardized plans, labeled A through N, with the same coverage within each letter category. The only difference between these plans is the price, so it’s important to compare options. You can save time and money by letting us handle the shopping for you!

After 2019, new Medicare enrollees in Michigan will no longer be able to choose Medigap Plans C or F, though those already enrolled in these plans can keep them.

Since these plans are standardized by the federal government, the only variation will be in price. Be sure to have someone shop your policy to ensure you're getting the best deal.

Medicare Advantage plans

Michigan offers up to 50 Medicare Advantage plans, depending on your county. Also referred to as Medicare Part C, Medicare Advantage is a private plan that provides all the benefits of Original Medicare, along with additional perks such as dental, vision, and prescription drug coverage.

Medicare Part D

Original Medicare and Medicare Supplement plans do not cover prescription drugs, but you can enroll in Medicare Part D for this coverage. In Michigan, there were 29 Part D plans available in 2019. To avoid paying out-of-pocket for prescriptions, consider enrolling in a standalone Part D plan or a Medicare Advantage plan that includes drug coverage.

How we can help

Our licensed Medicare plan specialists are here to assist you at no cost. We take pride in helping you find a plan that suits your needs. Since Medicare Supplement plans are legally required to offer standardized coverage, the only difference is the price. We will compare your options and find you the lowest price.

Take advantage of our free assistance, so you can feel confident you're getting the best value for your healthcare coverage.

Want more help understanding

MICHIGAN MEDICARE PLANS

We’re here to help you better understand your Medicare benefits, including Medicare supplements, Medicare Advantage plans, and prescription drug coverage. Learning about these options can help you lower your out-of-pocket healthcare costs that Medicare doesn’t cover.

To make things easier, we’ve put together a comprehensive library of resources for you to explore. When you’re ready, give us a call, and one of our licensed agents will discuss your specific needs, compare available plans in your area, and guide you toward the best choice.

If you decide to enroll through us, our support doesn’t stop there. We’ll continue assisting you throughout your Medicare journey—reviewing your plans each year to ensure they remain the best fit and answering any questions you may have along the way.

We are not connected with or endorsed by the United States government or the federal Medicare program. We do not offer every plan available in your area, and any information we provide is limited to those plans we do offer in your area. Please get in touch with Medicare.gov or 1-800-MEDICARE to get information on all your options.

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