There are 33 insurers offering Medicare Supplement insurance in Michigan. Medicare plans help you pay the coverage gaps in Original Medicare (Part A and B) Commonly called Medigap plans, because they cover the gaps, you can choose the level of deductible, copayment and coinsurance coverage you want.
What You Must Know about Medicare Supplements in Michigan
If you are not yet versed in the Medicare Supplements available in Michigan, or how they cover your healthcare costs, read our Medicare Supplemental Insurance page. It’s important to know that all lettered plans are standardized, but the monthly premiums are not. Our goal is to give you a complete run down on all Michigan carriers, policies and benefits.
Medicare Supplements vs. Medicare Advantage
Comprehensive Medicare Supplements are expensive and premiums are going up. If you can afford a supplement it’s the best choice. If not, there’s Medicare Advantage. A Michigan Medicare Advantage (MA) plan protects you from big healthcare bills and may provide additional options that Original Medicare does not.
The big advantage offered by these plans are additional benefits, such as prescriptions, dental, vision and hearing, and the monthly premiums. However, which these advantages come some restrictions. Most importantly, choice of doctors.
The important thing to know about every Medicare Advantage plan is that they limit your Maximum Out-of-Pocket (MOOP) expense to a maximum of $6,700 per year. That makes them worth comparing to Medicare Supplements. We have the complete catalog of 2018 Medicare Advantage Plans available in Michigan.
Michigan Medicare Part D Plans (Rx)
A Michigan Medicare Supplement does not cover your prescription drugs. For this you need a Medicare Part D Plan (PDP). You can review the complete list of 2018 Medicare Part D Plans in Michigan.
Medicare Supplement Eligability
You can apply for a Michigan Medicare Supplement if you are:
- A Michigan resident,
- Enrolled in both Medicare Part A and Part B, and
- You are 65 years old or older.
Supplemental plans are available in the following counties: Saint Clair, Lapeer, Macomb, Oakland, Wayne, Washtenaw, Monroe, Livingston, Sanilac, Genesee, Huron, Shiawassee, Saginaw, Tuscola, Arenac, Bay, Gladwin, Gratiot, Clare, Midland, Oscoda, Roscommon, Ogemaw, Alcona, Iosco, Isabella, Ingham, Clinton, Ionia, Montcalm, Eaton, Barry, Kalamazoo, Allegan, Calhoun, Van Buren, Berrien, Branch, Saint Joseph, Cass, Jackson, Lenawee, Hillsdale, Kent, Muskegon, Lake, Mecosta, Newaygo, Ottawa, Mason, Oceana, Wexford, Grand Traverse, Antrim, Manistee, Benzie, Leelanau, Osceola, Missaukee, Kalkaska, Cheboygan, Emmet, Alpena, Montmorency, Chippewa, Charlevoix, Mackinac, Otsego, Crawford, Presque Isle, Dickinson, Keweenaw, Alger, Delta, Marquette, Menominee, Schoolcraft, Luce, Iron, Houghton, Baraga, Ontonagon, Gogebic, and most rural areas of Michigan.
Rates shown are samples from within Michigan for comparison purposes only. This page was last updated on 9/24/2017.