Michigan Medigap Plans are Standardized
Every Medigap plan sold in Michigan is required to follow both federal and state laws designed to protect you. All plans must be clearly identified as Medicare Supplement Insurance. Insurance companies must offer the standardized policies identified by letters A through N.
Each Medigap policy sold in Michigan offers the basic benefits of Plan A. All other lettered plans after A feature additional levels of coverage. This allows you to choose the amount of liability coverage you need.
Each insurance company decides which policies it wants to sell, although state laws might affect which ones they offer. Insurance companies that sell Medigap policies:
- Are not required to offer every Medigap plan
- Must offer Medigap Plan A (basic benefits)
- Must also offer Plan C or Plan F
For more information, visit your state's Department of Insurance website at http://www.michigan.gov/difs.
Medigap Works with Medicare Part D
Medigap does not cover your prescriptions. By law, Medicare Supplement insurance must be in lock-step with Original Medicare. So, if Medicare does not cover it, a supplement policy can't cover it.
Here's the complete list of Medicare Prescription Drug Plans available in Michigan.
Need Local Help?
The State Health Insurance Assistance Programs (SHIPs) provide free, one-on-one insurance counseling and assistance to Medicare beneficiaries, their families and caregivers. The Michigan SHIP is a grant-funded project of the federal U.S. Department of Health and Human Services (HHS). You can reach them by phone or on their website: