Enter your state
Medicare Supplement Plans in Michigan
Learn about Medicare Supplement plans in Michigan
Medicare beneficiaries in Michigan who are enrolled in Original Medicare (Part A and B) may find that these plans do not cover all of their health expenses. However, Medicare beneficiaries in Michigan can opt to enroll in a Medicare Supplement plan, also known as Medigap, which may cover expenses such as copayments, deductibles, coinsurance, and possibly other out-of-pocket expenses. Most states offer ten standard Medigap policy options.
It is best to enroll in a Medigap plan during your six-month Medigap Open Enrollment Period starting the first day of the month you are 65 or older and are enrolled in Medicare Part B. During this time, you may enroll in any Medicare Supplement plan in Michigan, even if you have health problems. No medical underwriting is required, pre-existing conditions are not considered, and you have the guaranteed issue right to enroll in a plan of your choosing.
After that six-month period, you may still apply for and enroll in a Medigap plan, but you may be required to undergo medical underwriting and could end up paying more or even being denied coverage based on a pre-existing condition.
Facts on Medicare Supplement plans in Michigan
- At least eight companies offered Medigap plans in Michigan in 2013.
- Depending on the company, annual premiums may vary for beneficiaries based on gender and the zip code they live in.
- Annual premiums vary widely in the state, ranging from around $500 to $5,500.
- Insurance companies in Michigan do not require waiting periods before covering pre-existing medical conditions.
- Some Medigap plans in Michigan are available to disabled beneficiaries under the age of 65.
Compare Medicare Supplement plans in Michigan
The costs of Medicare Supplement plans in Michigan may vary depending on the provider and the area in which you are located. However, Medigap benefits are consistent between lettered plan types, no matter where you live. It is recommended that you find out what Medigap policies are available to you, and determine which plan type is best depending on your health needs and budget.
It is vital that you fully evaluate Medicare Supplement plans in Michigan based on these criteria when you shop for your own coverage. We can help you begin your search simply by entering your zip code at the top of this page, and we will provide you with a customized list of plans that are available in your area.
Data provided by the Michigan Medicare/Medicaid Assistance Program.