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Find Affordable Medicare Plans in Michigan

Best Medicare Advantage Plans in Michigan

The main reason that a Medicare beneficiary might select a top Medicare Advantage plan in Michigan for 2022, is to have a cost-effective way to control medical expenses better than Original Medicare does. When people only are enrolled in Medicare Part A and Medicare Part B, they might still receive a lot of medical bills because of the deductibles, coinsurance, or copayments. In addition, a Michigan Medicare Advantage plan through a private insurance company might offer some extra benefits that aren’t provided by Medicare Part A and Part B alone.

Medicare Advantage Plans in Michigan Overview

The ever-increasing numbers of enrollees prove that Medicare Advantage plans are not bad, but provide excellent health insurance coverage.

1. Number of lives enrollment in Medicare Advantage in Michigan

As of September 2020, 2,104,129 people were enrolled in Medicare in Michigan, almost 21% of the state’s population.

Nearly half of all Medicare beneficiaries in Michigan are enrolled in Medicare Advantage Plans in 2021.

2. Number enrolled by plan specifically the 3 plans below.

Local HMO – 271,496

Local PPO – 456,215

Regional PPO – 16,507

3. Percentage of Medicare beneficiaries enrolled in Medicare advantage in Michigan

Statistics show 51% of Medicare beneficiaries are enrolled in Medicare Advantage plans in Michigan, an 11% growth from 2020.

4. Number of lives enrolled in Medicare Advantage nationwide

Approximately 62 million people are enrolled in Medicare Advantage plans nationwide.

5. Percentage of Medicare beneficiaries enrolled in Medicare advantage Nationwide

Across the. U.S., 42% of Medicare recipients are enrolled in Medicare Advantage plans.

What is the Best Medicare Advantage Plan in Michigan?

Best network freedom: Medicare Advantage PPO

PPO Plans offer a larger network and no referrals.

PPO plan premiums range from $0 to $100 monthly.

Best for lowest out-of-pocket cost: Medicare Advantage HMO Plan

HMO premiums are generally $0 monthly.

HMO plans have lower out of pocket costs because they use the HMO referral network.

Best for low income or health conditions: Medicare Advantage D-SNIP

Medicare Advantage D-SNIP plans are best for those on very limited income or with chronic health conditions.

Enrollees in Medicare Advantage D-SNIP plans can have Medicare and Medicaid to lower out of pocket costs on things like, copays, coinsurance, premiums, etc. Deductibles may be little to nothing for those with special circumstances.

When can I enroll in a Medicare Advantage plan in Michigan?

Almost everybody who has enrolled in Medicare Part A and Part B can decide to switch to a Michigan Medicare Advantage plan. The only real exception to this is the special plans for End-Stage Renal Disease ESRD. With that said, timing is very important.

These are some time periods when you can enroll in a Medicare Advantage plan in Michigan, also known as Medicare Part C:

  • Initial Coverage Election Period: Your Initial Coverage Election Period gives you the first chance to compare and enroll in a Medicare Advantage plan. Most people will decide to select this coverage right around their 65th birthday. Some folks may have a different ICEP because they delayed Medicare Part B or enrolled early because of a disability.
  • Annual Election Period: Most beneficiaries use the time between October 1 and December 7 to review changes or select a new Medicare Advantage plan in Michigan.
  • Special Election Period: You might also have circumstances that trigger a Special Election Period that lasts for about two months. Things like moving away from the network your old insurance company has or losing job-related health insurance might give you an SEP.
  • Medicare Advantage Dis-enrollment Period: This period gives people a chance to drop their Medicare Advantage plan for six weeks at the beginning of each year. If so, these people can simply resume Medicare Part A and Part B. They may also choose Medicare Advantage Prescription Drug plans at this time.

How much does Medicare Advantage cost in 2022?

Most States have an HMO plan available with a $0 per month premium.

Some states offer a PPO plan with a $0 monthly premium. It is increasingly common for PPOs to have premiums.

In 2019, there were 448 MA plans with $0 monthly premiums. One out of five Medicare beneficiaries were enrolled in $0 monthly premium plans.

The average MA monthly premium is $57.39.

Ready to Learn More?

Medicare can be very confusing, if you need help on plan selection or getting more detailed information, please reach out to us for additional help, we are here to guide you!  

Michigan Medicare Resources

Michigan Medicare Plan Statistics

  • Enrollment in a Medicare Advantage plan in Michigan: Over 673,000
  • Percent of all people with Original Medicare who opt for Medicare Part C in Michigan: 34 percent
  • Most popular kind of Michigan Medicare Advantage plans: Local PPOs

This highlights the largest Michigan counties by total population:

  • Wayne County, MI: 1,753,616
  • Oakland County, MI: 1,250,836
  • Macomb County, MI: 871,375
  • Kent County, MI: 648,594
  • Genesee County, MI: 407,385

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