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Guide to Medicare Supplement Plans in Michigan


If you are a Medicare beneficiary shopping for a Medicare Supplement plan in Michigan, you have come to the right place. Medicare Supplement plans in Michigan follow the same federal guidelines as most states nationwide. Below, we review the most popular Medicare Supplement plans in Michigan, their cost, and how you can utilize Medicare Supplement (Medigap) benefits.

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What are Medicare Supplement Plans in Michigan?

Medicare Supplement plans in Michigan help cover the out-of-pocket costs from Medicare Part A and Medicare Part B, which only cover 80% of the expenses once beneficiaries meet the deductibles. Due to Medicare being a federal program, it operates similarly in most states.

All Medicare Supplement policies are standardized, which means benefits for the same plan do not vary between carriers. This makes it easy to decide which plan will work best for you. In Michigan, as in most states, Medigap plans are lettered A through N.

When you enroll in Medigap, you can receive care from any doctor or hospital accepting Original Medicare. Thus, you will not have to follow specific networks for care.

Medicare Supplement plans in Michigan are an excellent choice for Medicare beneficiaries who wish to have low out-of-pocket costs and comprehensive medical coverage.

What are the Best Medicare Supplement Plans in Michigan?

The best Medicare Supplement plans in Michigan differ based on the beneficiary’s health and budget needs. Medicare Supplement Plan F used to be the go-to option for beneficiaries everywhere. Yet, it is now only available to those Medicare-eligible before January 1, 2020.

Medicare Supplement Plan G and Plan N are great options for everyone else. Even if you are not newly eligible, Medigap Plan G or Plan N could be more cost-effective based on your needs.

Medicare Supplement Plan G covers everything Plan F covers except the Medicare Part B deductible. Even after paying the deductible, Medigap Plan G may work better for some beneficiaries because the amount they save on premiums each year over Plan F exceeds the total deductible.

Due to its lower level of coverage, Medicare Supplement Plan N usually has the lowest premium of these top three plans. With Medigap Plan N, you may be responsible for copays when you go to the doctor or hospital.

Additionally, if you have Medigap Plan N and visit a practitioner who does not accept Medicare assignment, excess charges in Michigan will apply. Most states permit excess charges, and Michigan is no exception. However, if you receive care from a practitioner who does not accept Medicare assignment in a state that does not permit excess charges, you will not need to pay them.

Each of the three plans may be best for different beneficiaries. Those with lesser medical needs who want a lower monthly premium may prefer Medicare Supplement Plan N. Meanwhile, those who want more coverage should explore Medigap Plan G – or Plan F, if they qualify.

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How to Enroll in Medicare Supplement Plans in Michigan

To enroll in Medicare Supplement plans in Michigan, you must have Original Medicare (Part A and Part B). You can enroll in Medicare Supplement plans year-round. However, signing up for a plan during your Open Enrollment Period is recommended.

Your Medicare Supplement Open Enrollment Period is the only opportunity for most people to get a Medicare Supplement plan without needing to answer health questions. You may be subject to underwriting health questions when you enroll outside of this period.

Underwriting means a carrier can deny you coverage based on pre-existing conditions. So, if at any time you have been diagnosed with certain medical conditions or have taken specific medications, a carrier may deny you coverage or make you pay higher premiums.

However, if you qualify for guaranteed issue rights outside of your Open Enrollment Period, you may be eligible to enroll in a Medigap plan without health questions.

How Much do Medicare Supplement Plans in Michigan Cost?

The cost of Medicare Supplement plans in Michigan depends on various factors. These factors often include age, sex, tobacco-use status, and ZIP Code. In addition to these factors, carriers may look at your health to determine if a higher premium is necessary.

Medicare Supplement plans in Michigan can range from $40-$350 depending on the plan letter and your circumstances. To get the most accurate quote for what your Medicare Supplement plan would cost, it is best to speak with a licensed agent who has access to multiple plans and carriers in your area.

Although the government standardizes Medicare Supplement benefits, they do not standardize the cost. Thus, carriers choose what to charge as your monthly premium. It is essential to enroll with a reputable carrier to keep premium increases as low as possible.

Additional Coverage for Medicare Beneficiaries in Michigan

Medicare Supplement plans in Michigan are not the only coverage available for beneficiaries in this state. If you enroll in a Medicare Supplement plan, you will also need to include Medicare Part D for prescription drug coverage. Michigan offers fantastic Medicare Part D plans that start as low as $8.00 per month.

Additionally, dental, vision, and hearing plans are popular among Medicare Supplement policyholders. Adding this coverage allows you to receive well-rounded coverage, as Original Medicare and Medigap do not cover these benefits.

If you decide a Medicare Supplement plan is not suitable for you, Michigan also offers Medicare Advantage plans to beneficiaries who are eligible for Original Medicare. These plans combine Medicare Part A and Part B coverage into a managed care plan through the carrier of your choice.

Medicare Advantage plans can also include dental, vision, and hearing benefits, and most include prescription drug coverage. However, remember that you cannot have a Medicare Advantage plan and a Medigap plan at the same time.

Michigan Medigap FAQs

How long can you receive a Medigap subsidy in Michigan?
The Michigan Medigap subsidy initiative is not a permanent policy. It will end when funds run out, estimated to be around early 2023. New applications are no longer being accepted.
How much does Medigap insurance cost in Michigan?
Your Medigap premium price will vary based on personal factors, such as your age and tobacco-use status. However, the most significant factor is the level of coverage you choose; plans with more benefits have higher premiums. Thus, an approximate range for premium prices for the top three (and most comprehensive) plans in Michigan is $75 to $360.
When can I change my Medigap plan in Michigan?
You can change your Medigap plan in Michigan at any time. However, you must pass underwriting if you are outside your Open Enrollment Period or do not have a guaranteed issue right.

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How to Find the Right Medicare Supplement Plans in Michigan

Understanding coverage options can be a challenge. This is why at MedicareFAQ, our agents are experts and can help you find the best plan for you. We have your back, whether you're new to Medicare or shopping around for the best deals.

You don’t need an insurance agent in Michigan to find the best Medicare Supplement plans in the state. Give us a call at the number above to get started today, or fill out an online rate form to compare your rates now!

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Sources:

MedicareFAQ is dedicated to providing you with authentic and trustworthy Medicare information. We have strict sourcing guidelines and work diligently to serve our readers with accurate and up-to-date content.

  1. Medicare Supplement, Michigan DOI. Accessed May 2022.
    https://www.michigan.gov/difs/consumers/insurance/health-insurance/seniors/medicare-supp

Jagger Esch

Jagger Esch is the Medicare expert for MedicareFAQ and the founder, president, and CEO of Elite Insurance Partners and MedicareFAQ.com. Since the inception of his first company in 2012, he has been dedicated to helping those eligible for Medicare by providing them with resources to educate themselves on all their Medicare options. He is featured in many publications as well as writes regularly for other expert columns regarding Medicare.

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