Best Medicare Supplement Plans in Michigan

There are 10 Medicare Supplement Plans to choose from. In Michigan, Medicare Supplement Plan G is the best plan for the most comprehensive coverage for 2023. Medigap plans do not use a network and go wherever Original Medicare is excepted.

The best price for Plan G in Michigan is with Aetna, coming in at $133.00 per month.

Medicare Supplement Insurance plan options in Michigan

There are ten standardized Medicare Supplement insurance plans.

Here are the top four in Michigan:

Medicare Supplement Insurance Plan G

  • Medigap Plan G is the most comprehensive plan for those eligible after Jan. 1, 2020
  • Offers almost identical coverage at a significantly lower monthly premium for those eligible for Medicare Plan F
  • It covers everything except the $226 Part B deductible.

Medicare Supplement Insurance Plan N

  • Medicare Plan N is suitable for beneficiaries willing to trade benefits for savings on their monthly premiums.
  • Has up to $20 copay for office visits
  • Has up to $50 copay for emergency room visits (waived if admitted)

Medicare Supplement High Deductible Plan G

  • Same Benefits as Medicare Plan G
  • Annual Deductible of $2,700
  • Significantly Cheaper than Medicare Plan G
  • High Deductible Plan G is Considerably Cheaper than High Deductible Plan F

Medicare Supplement Insurance Plan F

How Much Does Medicare Supplement Insurance Cost in Michigan?

Looking at Medicare Plan N, Plan F, and Plan G, the average cost based on a 65-year-old female nonsmoker in zip code 48104 is $123. The cost for a Medigap policy in Michigan varies based on the insurance company, location, and other factors.

Plan typePremium Range
Plan F$180.00 – $300.00
Plan G $117.00 – $220.00
Plan N$90.00 – $200.00
Premiums are based on Medicare Part B start date and or Medical underwriting.

Michigan FAQ:

When Can I Apply for a Michigan Medicare Supplement Plan?

The effective date for Medigap policies is 30 days after you enroll. Unlike Medicare Advantage and Prescription Drug Plans, Medigap plans in Michigan do not have an annual open enrollment window. Here’s when you can apply.

Medigap Open Enrollment Period

Your six-month open enrollment period eligibility begins when you have both turned 65 and enrolled in Medicare Part B. This is the best time because you have what is called guaranteed issue rights:

  • No medical underwriting required
  • A company cannot deny you coverage.
  • Insurers must cover pre-existing health conditions
  • An insurance company cannot charge more because of health history.

Special Enrollment Periods

There are a few other times when you can enroll in a Medicare Supplement plan in Michigan and have guaranteed rights:

  • When you retire from group coverage
  • If your Medigap insurer goes bankrupt
  • You have Medicare Advantage or Medicare Select, and you move out of the plan’s service area

A licensed insurance agent can help determine your eligibility for a special enrollment period.

Is Medigap Plan G available in MI?

Yes, Plan G is offered in Michigan.

Plan G cost:

For a 65-year-old female nonsmoker in zip code 48104, the average cost for G is $133 (range $115-$155).

Michigan Medicare Resources

State Links

CMS: Centers for Medicare and Medicaid Services

medicare.gov

Ready to learn more?

My Medigap Plans is a rapidly growing resource for Medicare beneficiaries. We specialize in educating consumers on their options and guiding them through plan selection. We work closely with some of the nation’s top-rated carriers. Compare our list of the 10 Best Medicare Supplement Insurance Companies or take a deeper look at the plans by reviewing our Medicare Supplement Plans Comparison Chart. Learn more about Medicare Part D Prescription Drug plans, or request a Medicare Supplement Plan Quote.

Mark Prip

For more than two decades, Mark Prip at My Medigap Plans has been an authority figure in the insurance industry and continues to uphold a mission to provide customers with comprehensive information about Medicare, life, and dental coverage. His expertise is unmatched - having helped thousands of Medicare beneficiaries personally choose suitable healthcare plans for themselves - making him stand out above other competitors.