More Plan Options
The average Michigan senior compares three or more plan options before making an enrollment decision.
Which Michigan Medicare Supplement is Best for Me?
When talking about traditional Medicare and additional coverage with Medicare supplement plans, Michigan seniors agree, its the best health care insurance you can get. It all comes down to choice and control. But, which plan is best for you?
We're all different, and so are our health needs and budget. What's best for you is very different than what's best for your neighbors, or even your spouse. It all comes down to what you can afford and your health. That said, you can narrow your search to what's most popular, plans: F, G, and N. Read on to learn why.
Top 10 Medicare Supplement Plans in Michigan
Looking for the best Plan F, G, or N available to Michigan seniors?
- 10 Best Medicare Supplement Plan F
- 10 Best Medicare Supplement Plan G
- 10 Best Medicare Supplement Plan N
Looking for a different plan? Compare all Medicare supplement plans here. You can also write a Medicare supplement review and let others know about a good or bad experience with a particular carrier. You can also find a Medicare Advantage plan available in your area and compare their rates and benefits.
Michigan Medicare Supplement Plan F Comparison Chart
Medicare Supplement Plan F is the most popular Medigap plan available in Michigan. Here are the 10 best Plan F policies available in Michigan based on our reviews (click for details):
Michigan Medicare Supplement Plan G Comparison Chart
Medicare Supplement Plan G is rapidly gaining popularity among Michigan seniors. With Plan F going away in 2020, it is expected to be the new gold standard. Here are the 10 best Medigap Plan G policies available in Michigan based on our reviews (click for details):
Michigan Medicare Supplement Plan N Comparison Chart
Medicare Supplement Plan N is similar to Plan D, but covers Medicare Part B coinsurance costs differently. Due to its lower cost and good coverage, it's catching the attention of many Michigan seniors. Here are the 10 best Medigap Plan N policies available in Michigan based on our reviews (click for details):
Best Michigan Medicare Supplement Plans Reviews
We review all major Medicare Supplement insurance carriers servicing Medigap policies in Michigan. Our reviews are unbiased. We use a balanced formula that looks at years in business, A.M. Best financial strength rating, plans serviced, plan premiums, and fees. Our current formula does not take rate increase history into account.
Our review of Medicare Supplement Plans in Michigan is based on a statewide analysis, not nationwide. We recommend consumers use our 5-star ratings as one aspect of their decision-making process. It helps compare insurance carriers at-a-glance.
How Much do Medicare Supplement Plans Cost in Michigan?
The Centers for Medicare and Medicaid updates their Medicare supplement cost information annually. We show estimated monthly premiums for all Medicare supplement insurance plans in Michigan. Premiums shown come from our most recent review of each carrier and are based on a 65-year-old, non-smoking woman. Use our rates to compare carriers. Your agent will quote your final rate based on where you live, your current age, sex, and use of tobacco. Call 1-855-266-4865 to speak with an agent and get a quote.
Medigap Plans in Michigan are Standardized
All Medicare Supplement insurance carriers in Michigan are required to follow both federal and state laws designed to protect you. All Medigap plans must be clearly identified as Medicare Supplement Insurance. Insurance companies must offer the standardized Medicare Plans identified by letters A through N. So, for example, a Plan F from Aetna has exactly the same health coverage as a Plan F from Mutual of Omaha. This is what makes Medigap plans easier to compare vs. an HMO or PPO style plan through Medicare Advantage.
NOTE: Medigap, Medicare Supplements, and Medicare Plans are all names used interchangeably for supplemental insurance that fills the gaps (i.e., copay, coinsurance, and other major medical expenses) in Original Medicare coverage.
Each Medicare supplement insurance 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 additional insurance you need to cover the gaps in your Medicare Parts A and B benefits.
Each insurance company decides which policies it wants to sell, although state laws might affect which ones they offer. Insurance companies that sell Medicare supplemental insurance:
- 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 the Michigan Department of Insurance website at http://www.michigan.gov/difs.
Michigan Medigap Plan Comparison Chart
The comparison chart below shows the benefits offered by each standardized Medigap plan.
|Medicare Part A Coinsurance and hospital costs up to an additional 365 days after Medicare benefifits are used up||Yes||Yes||Yes||Yes||Yes||Yes||Yes||Yes||Yes||Yes|
|Medicare Part B Coinsurance or Copayment||Yes||Yes||Yes||Yes||Yes||Yes||50%||75%||Yes||Yes**|
|Blood (First 3 Pints)||Yes||Yes||Yes||Yes||Yes||Yes||50%||75%||Yes||Yes|
|Part A Hospice Care Coinsurance or Copayment||Yes||Yes||Yes||Yes||Yes||Yes||50%||75%||Yes||Yes|
|Skilled Nursing Facility Care Coinsurance||No||No||Yes||Yes||Yes||Yes||50%||75%||Yes||Yes|
|Medicare Part A Deductible||No||Yes||Yes||Yes||Yes||Yes||50%||75%||50%||Yes|
|Medicare Part B Deductible||No||No||Yes||No||Yes||No||No||No||No||No|
|Medicare Part B Excess Charges||No||No||No||No||Yes||Yes||No||No||No||No|
|Foreign Travel Emergency (Up to Plan Limits)||No||No||Yes||Yes||Yes||Yes||No||No||Yes||Yes|
* Medicare Plan F also offers a high-deductible plan. If you choose this option, this means you must pay for Medicare-covered costs up to the deductible amount of $2,240 before your Medigap plan pays anything.
** Medicare Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to $50 copayment for emergency room visits that don't result in an inpatient admission.
*** After you meet your out-of-pocket yearly limit and your yearly Part B deductible, the Medigap plan pays 100% of covered services for the rest of the calendar year.
Getting Prescription Drug Coverage (Part D) with a Michigan Medigap Plan
To get your prescriptions covered with your Medigap policy, you need to buy a Medicare Part D plan. Basic plans start at less than $20 per month in most places.
If you are getting your Medicare benefits for the first time, you can enroll in a prescription drug plan as soon as you have both Part A and Part B. However, after your initial enrollment, you will need to wait until the Annual Election Period (AEP), also called the open enrollment period, to switch to a new plan. AEP is every Fall, starting 15 October and ending on 7 December.
WARNING: If you do not enroll in a Medicare Part D plan when you are first eligible, Medicare will penalize you with additional fees if you want to join a plan later on. So, even if you do not take regular medications, it pays to join a basic plan.
Looking for More Information About Medigap Insurance in Michigan?
If you're looking for more ways to lower your health care costs by reducing your out-of-pocket costs, these articles may help:
- What are the Different Medicare Supplement Plans?
- What is the Best Medicare Supplement Plan for 2021
- Can you get a Medicare Supplement if you are on disability?
- When can I change my Medicare supplemental insurance plan?
- Are there any free Medicare Supplement plans?
- How to Pick the Best Medicare Supplement Plan
Top Questions About Medicare Supplement Plans in Michigan
We get a lot of great questions regarding Medigap plans in Michigan. Here are the most common questions we answer.
It's different for everyone who applies. Monthly premiums on Michigan Medigap plans are based on your age, gender, zip code, the plan you choose, and more. Use our free quote service to find the best rate on your plan.
You have many options in Michigan. Here are some of the best:
- United World
- American National
- Bankers Fidelity
- Pekin Insurance
Unlike Medicare Advantage, there isn't an annual open enrollment period for Medicare Supplement plans. But, in many areas, you only have one chance to apply for a Michigan Medigap plan without having to answer any health questions. You can learn more here.
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:
Additional Foot Notes
 The sample premium is for a 65-year-old, non-smoking, woman living in Michigan. The rate was accurate on the date of publication. Rates change frequently and they are priced by county. You must contact a licensed agent to get a current rate for your situation.
 Review rating stars are derived from MedicareWire reviews on our Medigap Plan pages.