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Medicare Advantage Plans in Michigan

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What are Medicare Advantage plans?

In order to understand Medicare Advantage (also called Medicare Part C), you need to know the basics about Original Medicare. Original Medicare is government-sponsored health insurance for qualified Americans aged 65 and older and those of any age with certain disabilities or health conditions, such as end-stage renal disease or amyotrophic lateral sclerosis (also known as Lou Gehrig’s disease). To qualify, you must be either a U.S. citizen or legal permanent resident of at least five continuous years. Original Medicare consists of Medicare Part A (hospital insurance) and Part B (medical insurance).

Medicare beneficiaries in Michigan (and other states) may choose to enroll in a Medicare Advantage plan and get their Medicare Part A and Part B benefits through the Medicare Advantage plan instead of directly through the government. Medicare Advantage plans, offered by private insurance companies approved by Medicare, offer the same medical and hospital benefits offered by Medicare Part A and B (except hospice care, which is still covered under Medicare Part A) and can provide additional benefits like hearing, vision, or dental coverage as well. Many Medicare Advantage plans include prescription drug coverage, as described below.

When you’re enrolled in a Medicare Advantage plan, you still have to pay your Medicare Part B monthly premium.

Medicare Advantage plans in Michigan with prescription drug coverage

You will find that many Medicare Advantage plans in Michigan also provide prescription drug coverage. These Medicare Advantage Prescription Drug plans combine health and prescription drug benefits into a single plan, so you don’t have to keep track of separate health insurance plans.

Compare Medicare Advantage plans in Michigan

If you’re trying to decide on a Medicare Advantage plan in Michigan, it may be useful to make a list of your medical needs and prescription medications before you research plans. Different insurance companies will offer varying premium amounts, and premiums may also differ from county to county within Michigan. Some Medicare Advantage plans in Michigan may offer plans with premiums as low as $0, but might have higher deductibles, copayments, and other out-of-pocket costs than plans that charge a premium. Plan availability also may vary throughout Michigan.

It is also important to decide whether you want to include prescription drug coverage or additional benefits (beyond Original Medicare) with your Medicare Advantage plan. Each Medicare Advantage Prescription Drug plan has a formulary (a list of covered prescription drugs), so you may want to make sure the plan covers your medications. The formulary may change at any time. You will receive notice from your plan when necessary.

You can start comparing Medicare Advantage plans in Michigan simply by entering your zip code in the form on this page. We will present a customized list of plans available in your area. If you currently have prescription drugs, you may enter them as well to further refine your search and costs.

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