Michigan Medicare: Medicare Advantage Plans in Michigan (MI)

Medicare Advantage Plans in Michigan

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What Are the Medicare Advantage Plans in Michigan?

Medicare, a federally administered program, is a primary source of health coverage for Michigan residents 65 years of age or older. To make sure you’re covered upon turning age 65, it’s important for you to understand your options when it comes to buying a Medicare Advantage (MA) plan in Michigan.

Michigan residents might also know Medicare Advantage plans as Medicare Part C. Medicare Advantage plans provide an alternative to Original Medicare, as these plans offer both hospital insurance provided by Medicare Part A and/or medical/doctor’s office insurance from Medicare Part B. These plans are sold by private insurance companies, approved by Medicare, offer at least the same level of coverage as Original Medicare and often include additional benefits.

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Am I Eligible for a Medicare Advantage Plan in Michigan?

Michigan residents will be eligible for Medicare Advantage plans as long as they are already eligible for Medicare Parts A and B and also live in an area where Medicare Advantage plans are sold. Copayments, coinsurance and deductibles vary depending on the plan you choose.

Michigan residents cannot be enrolled in a Medicare Advantage Plan and a Medicare Supplement Insurance plan at the same time. A Medicare Supplement Insurance plan (Medigap) assists with covering some of the gaps in coverage including copayment, coinsurance and deductibles that aren’t covered by Medicare Parts A and B.

Are Prescription Drugs Covered by Medicare Advantage Plans in Michigan?

Any resident of Michigan looking for prescription drug coverage should consider a Medicare Advantage plan, as a Medicare Prescription Drug plan may be included in some Medicare Advantage plans. Medicare Advantage plans that also include prescription drug coverage are known as Medicare Advantage Prescription Drug (MAPD) plans.

Most Popular Medicare Advantage Plans in Michigan

Finding the right Medicare Advantage plan in Michigan is as unique as the person the plan is for. Among Michigan residents enrolled in a Medicare Advantage plan, 61% are enrolled in a Local PPO and 38% are enrolled in an HMO/HMOPOS plan, as reported by the Centers for Medicare & Medicare Services (CMS.gov). Knowing how much Medicare plan coverage you need will help you determine the right Medicare Advantage plan in Michigan for your needs.

You can become more informed about Medicare Advantage plans available in Michigan by working with a SelectQuote licensed insurance agent to guide you through the Medicare maze. Acting as your advocate, our licensed insurance agents can help you weigh the Medicare Advantage plan options in Michigan, understand costs and answer questions that can arise throughout the process. SelectQuote individually shops more than 20 national insurance companies to help you compare Medicare Advantage plans in Michigan.

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Michigan Medicare Advantage Plan Enrollment Period

Enrollment in a Medicare Advantage plan is open during specified enrollment periods. Medicare enrollment in Michigan opens for residents prior to turning age 65 or earlier for those younger with certain conditions. The Initial Enrollment Period (IEP) runs for seven months.

IEP begins three months before turning age 65, including the birthday month, and ends three months after the birthday month. It is also the time allotted for enrollment in Medicare Parts A, B, C and D. For example, if you’re a Michigan resident with a June birthday, your IEP runs from March through September.

You may also enroll in a Medicare Advantage plan during the Medicare Annual Enrollment Period, which occurs annually each fall. Medicare’s AEP runs from October 15 through December 7 each year. The key dates for AEP are as follows:

Oct. 15 – Annual Enrollment Period Begins

Dec. 7 – Annual Enrollment Period Ends

Jan. 1 – First Date Coverage can start

During the Annual Enrollment every year, Michigan residents can:

Switch from Medicare Parts A and B (Original Medicare) to a Medicare Advantage (Part C) plan
Change from one Medicare Advantage Plan to another
Switch from one Prescription Drug (Part D) plan to another
Add a Prescription Drug (Part D) plan if you didn’t enroll when first eligible for Medicare

In addition to AEP, Michigan residents who are enrolled in a Medicare Advantage plan can make a one-time plan change during the Open Enrollment (OEP) period, which occurs each year from January 1 through March 31. There are also Medicare Special Enrollment Periods (SEP) you may be able to enroll in Medicare or make changes to your existing Medicare Advantage coverage because of certain events and life changes, such as moving or losing employer coverage.

Is a Michigan Medicare Advantage Plan Right for You?

SelectQuote can help ensure you’re getting all the benefits available to you while staying up-to-date on annual changes to Medicare plans made by insurance companies. As a trusted third-party company, SelectQuote is here to help you find the right Medicare Advantage plan in Michigan to meet your needs.

To ensure you are getting all the benefits you need, call or complete your online form today. Let SelectQuote’s experienced licensed insurance agents simplify the Medicare maze by comparing rates and independently shopping insurance companies to help you find an affordable option that meets your unique needs.

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