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Medicare Supplement Insurance Plans in Michigan
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What Are the Medicare Supplement Insurance Plans in Michigan?
Medicare Supplement Insurance plans, also called Medigap, can cover some of the gaps in Medicare Parts A and B coverage, such as copayments, coinsurance and deductibles. The purchase of a Medicare Supplement Insurance plan can help Michigan residents save on out-of-pocket healthcare expenses. These plans are available from private insurance companies throughout the state of Michigan.
In 2023, residents of Michigan have 10 Medigap or Medicare Supplement Insurance plans from which to choose. These include basic benefits from Plans A, B, D, G, K, L, M and N. Medigap Plans C, E, F, H, I and J are no longer available to those who are newly eligible to Medicare, but those already enrolled in these plans are grandfathered in.
As of January 1, 2020, Medicare Supplement Insurance plans no longer sell Medigap Plans C or F to newly eligible Medicare members. Anyone enrolled in a Medigap Plan C or F on or before December 31, 2019 has been grandfathered in and will be able to continue to use their plan as long as their premiums are paid.Michigan residents looking for a Medicare Supplement Insurance plan should first look at their specific coverage needs to determine what Medigap Plan they should consider.
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Most Popular Medicare Supplement Insurance Plans in Michigan
Government-approved Medicare Supplement Insurance plans help protect consumers in most states, including Michigan. The statistics below outline the Medigap plans selected by residents of Michigan. Throughout Michigan, insurance companies which sell Medigap plans offer the same basic benefits, but those plans may come at different prices depending upon where you live and the carrier. Each insurer in Michigan may not offer all available Medigap plans.As reported by America’s Health Insurance Plans (AHIP), 412,804 Michigan beneficiaries had Medigap coverage in 2021. Below is the breakdown of the number of Michigan enrollees by Medigap plan type.
| Plan | A | B | C | D | E | F | G | H | I | J | K | L | M | N |
| Enrollment # | 5,852 | 647 | 76,745 | 3,199 | 257 | 116,714 | 136,205 | 61 | 624 | 4,076 | 1,642 | 591 | 5 | 63,410 |
While a Medigap policy will help pay for things like copayments, coinsurance and deductibles not covered by Medicare Parts A and B, it is important to note that your Michigan Medicare Supplement Insurance plan will not cover benefits for prescription drugs. However, you can buy an additional Medicare Prescription Drug plan to cover prescription drug costs. Another option is to consider a Michigan Medicare Advantage plan.Learn more about your Medicare Supplement Insurance plan options in Michigan by working with a SelectQuote licensed insurance agent. We act as your advocate, guiding you through the Medicare maze to better understand Medigap plan options and answer any questions you might have throughout the process. SelectQuote individually shops more than 20 national insurance companies to help you compare Medicare Insurance plans in Michigan.
Michigan residents cannot have a Medicare Supplement (Medigap) Insurance plan and a Medicare Advantage plan at the same time. A Medigap Supplement plan can also not be used to pay for any expenses for a Medicare Advantage plan.
Michigan Medicare Supplement Plan Enrollment Period
Initial enrollment timeframes are very important. Enrollment for Michigan Medicare Supplement Insurance plans begins the first day of the month you turn at least 65 years old. You also must be enrolled in both Medicare Parts A and B in order to purchase a Medigap plan.
Michigan residents have six months to buy a Medigap Supplement plan. Residents from Michigan who are under the age of 65 can check with the Social Security Administration office for additional enrollment periods.The best time to enroll in a Medicare Supplement Insurance plan is during the initial six months you are eligible for Medicare. It’s a smart idea to get a jump on enrollment. You can enroll as early as 64 and 6 months of age. During this important six-month period, companies that offer Medicare Supplement Insurance plans cannot use underwriting. In other words, your acceptance is guaranteed during this time. However, if you apply for Michigan Medicare Supplement Insurance outside of this six-month timeframe, you will be subject to a physical exam. If you apply for Medigap coverage after the first six months of eligibility, a company can refuse to sell you a plan or premiums may also adjust depending on current health status and pre-existing health conditions.
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Is a Michigan Medicare Supplement Plan Right for You?
SelectQuote is an independent third-party company specializing in helping consumers understand the ins and outs of Medicare. Our licensed insurance agents can help ensure you’re getting all available benefits while staying up to date with annual updates to Medicare plans made by insurance companies. SelectQuote is here to help you find the right Michigan Medicare Supplement plan to meet your needs and budget.To ensure you are getting all the benefits you need, call to speak with a licensed insurance agent or complete your online form today. Let our team simplify the Medicare enrollment process by comparing rates and independently shopping insurance companies to help you find an affordable option that meets your unique needs.
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