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Medigap Plans
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Michigan
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Everence

Everence Medicare Supplements Offered in Michigan

On this page we help consumers learn more about Medicare Supplements sold by Everence in the state of Michigan. 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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MedicareWire Rating:
☆☆☆☆☆
A.M. Best Rating:n/a
A.M. Best Outlook:-
S&P Rating:n/a
Established:1992
NAIC Number:57991
Policy Fee:None

What Medigap Policies 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 AMedicare Supplement Plan A is often confused with Medicare Part A, which is the Medicare coverage that pays for your inpatient hospital care. Medicare Supplement Plan A, which is also known as Medigap Plan A,...$139.07Issue AgeGet a Quote
Medigap Plan CMedicare Supplement Plan C, also called Medigap Plan C, is one of the most comprehensive of the 10 standardized supplemental Medicare plans available in most states. In fact, only Medicare Plan F offers more coverage.$207.24Attained AgeGet a Quote
Medigap Plan FMedicare Supplement Plan F is the most comprehensive Medicare supplement plan available. This plan covers all Original Medicare deductibles, coinsurance, and copayments, leaving you with no out-of-pocket costs on all Medicare-approved services.$215.39Issue AgeGet a Quote
Medigap Plan GIf you're turning age 65 this year, Medicare Supplement Plan G is the most comprehensive Medicare supplement you can buy. It's also the most popular. You might be thinking that Medicare Supplement Plan F is...$172.27Issue AgeGet a Quote
Medigap Plan LMedigap Plan L offers less coverage than most Medicare supplements, but it's one of two plans that have shared costs and features an annual cap on your out-of-pocket spending. In this way, it's similar to...$105.18Issue AgeGet a Quote
Medigap Plan NMedicare Supplemental Plan N is one of the ten standardized Medigap plans. Although it is one of the newest plans available, Medicare Plan N is quickly becoming a favorite with Baby Boomers aging into their...$98.51Attained AgeGet a Quote

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.

Call 1-855-728-0510 (TTY 711) for plan assistance.

If you qualify for Medicare and don't know where to start, MedicareEnrollment.com, an independent HealthCompare insurance broker, has licensed agents who can help you with your Medicare enrollment options.

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.

Competition vs. Everence Plan F

Medigap Plan F is the best selling plan sold in Michigan. Below you can compare Everence's starting rate on Plan F vs. their top ten competitors.

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 Medigap plans are available to all Michigan Medicare beneficiaries, ages 65 and older, who have enrolled in Medicare Part AMedicare Part A is hospital coverage for Medicare beneficiaries. It covers inpatient care in hospitals and skilled nursing facilities. It also covers limited home healthcare services and hospice care. and 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 January 19, 2023.

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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.