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Medigap Plans
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Michigan
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Everence

Everence Medigap Plans in Michigan

On this page we help consumers learn more about Medicare Supplements sold by Everence in the state of Michigan. Call call 1-855-728-0510 (TTY 711) for plan assistance.
Everence Medigap Plans in Michigan

This page contains editorial content that is not endorsed or approved by Everence Insurance Company[2]. This is not a solicitation of insurance.


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Contact the Plan
MedicareWireMedicareWire is a Medicare insurance consulting agency. We founded MedicareWire after seeing and hearing how confusing and frustrating it is to find, understand, and choose a plan. Our services are free to the consumer. Rating:
☆☆☆☆☆
A.M. Best Rating:n/a
A.M. Best Outlook:-
S&P Rating:n/a
Established:1992
NAIC Number:57991
Policy Fee:None

Which Supplemental Medicare Plans Does Everence Sell in Michigan?

Everence Insurance Company sells 6 Medicare supplements in Michigan. Each lettered plan pays Medicare benefits differently (see comparison chart or check out our review). Here they are at a glance:

Plans Offered by Everence

Plan TypePremium[3]Rating TypeEffective
Medigap Plan A$139.07Issue AgeApril 01, 2018
Medigap Plan C$207.24Attained AgeApril 01, 2018
Medigap Plan F$215.39Issue AgeApril 01, 2018
Medigap Plan G$172.27Issue AgeJanuary 01, 2018
Medigap Plan L$105.18Issue AgeApril 01, 2018
Medigap Plan N$98.51Attained AgeApril 01, 2018

Issue-Age Rated Medigap Plans: With an Issue Age rated plan your monthly premium is based on your age you're first issued coverage. For instance, if your get your policy at age 65 and your premium is $125, it may remain the same rate until age 72. However, you're age 72 when you enroll, your premium might start at $170, but would not increase based on by your age. PremiumsA premium is an amount that an insurance policyholder must pay for coverage. Premiums are typically paid on a monthly basis. In the federal Medicare program, there are four different types of premiums.  will increase with inflation.

If you need a Medicare Supplement but don't know where to start, we have licensed Medicare insurance agents[1] available at 1-855-728-0510 (TTY 711) who can answer your questions and help you get the best plan for your needs. No obligation.

Everence Medigap Plan Benefits Comparison Chart

The table below outlines the coverage of each Everence Medicare Supplement:

Medigap Plan Benefits

BenefitsACFGLN
Part A DeductibleNoYesYesYes75%Yes
Part A CoinsuranceYesYesYesYesYesYes
SNF CoinsuranceNoYesYesYes75%Yes
Part B DeductibleNoYesYesNoNoNo
Part B CoinsuranceYesYesYesYes75%Yes
Excess ChargesNoNoYesYesNoNo
Foriegn TravelNo80%80%80%No80%
Out-of-Pocket LimitsNoNoNoNo$2,940No

REVIEW: Everence Medicare Supplements in Michigan

Everence scored 3.5 out of 5.0 based on our scoring method. See the top 10 competition.

Here are the pros and cons from our analysis:

Pros

  • Over 25 years in the Medicare SupplementsMedicare Supplements are additional insurance policies that Medicare beneficiaries can purchase to cover the gaps in their Original Medicare (Medicare Part A and Medicare Part B) health insurance coverage. business.
  • No charge for writing the policy.

Cons

  • Uncompetitive Plan F premium.
  • Unknown financial strength (no A.M. Best rating).
  • Does not offer Medicare SELECTMedicare SELECT is a type of Medigap policy (Medicare supplement plan) that requires its members to get their primary care from a contracted provider. plans.
  • Does not offer the 5 most popular plans.

About This Review

We reviewed Everence's Medicare supplement plan offering in Michigan versus all other insurance carriers in the state. Our review is unbiased. We use a formula that looks at years in business, A.M. Best financial strength rating, plans serviced, plan premiums and fees. We do not take into account rate increase history. Our goal is to present information accurately and without bias, based on our interpretation of factual information about each carrier.

Everence Medicare Supplement Plan F Compared to Top Ten

Plan F is the most popular plan sold by Everence in Michigan. The table below gives you an idea of rates by the top ten vs. Everence.

Compare Plan F Base Rates

CarrierPremium[3]FeeReview[4]
Everence$215.39None
☆☆☆☆☆
Blue Cross Blue Shield$130.73None
☆☆☆☆☆
McLaren Health Plan$131.06None
☆☆☆☆☆
Guarantee Trust Life$133.82$25.00
☆☆☆☆☆
Bankers Fidelity$134.60$25.00
☆☆☆☆☆
S.USA Life Insurance$134.84$25.00
☆☆☆☆☆
Everest$134.88$25.00
☆☆☆☆☆
AARP$135.28None
☆☆☆☆☆
Polish Falcons of America$135.40$25.00
☆☆☆☆☆
IAC$136.30$25.00
☆☆☆☆☆
Assured Life$136.96$25.00
☆☆☆☆☆

Contact Everence Medigap Sales

For more information about this Medicare Supplement carrier, and other plans on this site, call 1-855-728-0510 (TTY 711). You may also start your Medicare Supplement enrollment online. You can contact the plan directly at:

Sales:800- 348 -7468
Website:https://www.everence.com/financial-services/insurance/medicare-supplement-insurance
Address:1110 North Main Street P. O. Box 483, Goshen, IN 46527

For assistance 24 hours a day, call 800-633-4227. TTY users should call 877-486-2048 or visit www.medicare.gov. If you qualify for Medicare but have not yet enrolled or verified your enrollment status, you can do so on the Social Security Administration website.

Eligibility

Everence Medicare Supplements are available to all Michigan beneficiaries, ages 65 and older, who are enrolled in Medicare Part BMedicare Part B is medical coverage for people with Original Medicare benefits. It covers doctor visits, preventative care, tests, durable medical equipment, and supplies. Medicare Part B pays 80 percent of most medically necessary healthcare services.. If you are just turning age 65, you have guaranteed issue rightsGuaranteed-issue is a right granted to Medicare beneficiaries and applies to Medicare Supplement insurance (aka, Medigap plans). All states and the federal government enforce this essential right, which protects Medicare beneficiaries from medical underwriting. and cannot be turned down by Everence. Plus, your policy cannot be canceled and it will continue to be renewed as long as you pay the premiums on time and make no material misrepresentations.

Availability

Everence services Medicare supplement insurance in Detroit, Warren, Dearborn, Grand Rapids, Flint, Lansing, Sterling Heights, Ann Arbor, Livonia, Dearborn, Clinton, Westland, Kalamazoo, Southfield, Troy, Pontiac, Taylor, Saginaw, Saint Clair Shores, Waterford, Royal Oak, Wyoming, Dearborn Heights, and most other Michigan cities.

Related Medicare Supplement Insurance Topics

  • Do I really Need Supplemental Insurance with Medicare??
  • Is Medicare Plan G Better Than Plan F?
  • What is the Average Cost of Supplemental Insurance for Seniors?

On this page our goal is to help consumers: Compare Everence Medigap plans in Michigan with the best Medicare supplements available. Read our review. Get a free quote. Did we succeed?

The Medicare Supplement information on this page originates from CMS Data Files, is maintained by David Bynon, and was last updated on March 15, 2022.

[1] Licensed Sales Agent

Licensed sales agent (“advisor”) services are provided by HealthCompare Insurance Services, Inc., MedicareWire’s trusted partner. Online enrollment service provided through MedicareEnrollment.com, a HealthCompare affiliate. Read our full sales agent disclosure.

[2] Trademark Notice

MedicareWire uses legal U.S. trademarks to identify and describe Medicare and other insurance products for shoppers. See our full trademark use disclosure.

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Get a FREE Medigap Rate Analysis... and Save!


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The only way to know if you are getting the best deal on your Medicare Supplement insurance is to see all rates from all insurance carriers. That's what we'll send you when you fill out the form below. We won't spam you, call you, or sell your information. That's a promise!

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Get a FREE Medigap Rate Analysis... and Save!


We'll save you money with a FREE Medicare Supplement insurance rate analysis!

The only way to know if you are getting the best deal on your Medicare Supplement insurance is to see all rates from all insurance carriers. That's what we'll send you when you fill out the form below. We won't spam you, call you, or sell your information. That's a promise!

Complete this form and we'll email your free report in 1 business day or less.

  • This field is for validation purposes and should be left unchanged.