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Medicare Supplement Plans in Michigan

Medicare Supplement Plans in Michigan provide Medicare beneficiaries protection from the ever-increasing cost of health care. These plans do not require specialist referrals or have network restrictions. Medicare Supplement Plans in Michigan cover services anywhere in the country as long as a Medicare-approved provider furnishes the service.

How much do Medicare Supplement Plans cost in Michigan?

As mentioned, the cost for a Medigap policy in Michigan varies based on insurance company, location, and other factors. 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.

65-Year Old Female Non-Tobacco
Plan Type Premium Range
Plan G$115.44 - $130.06
Plan N$85.52 - $160.52

What is the best Medicare Supplement plan in Michigan?

There are 10 standardized Medicare Supplement insurance plans. Here are the top five in Michigan.

Best for full coverage: Medicare Plan F

  • Medigap Plan F covers everything, including the Medicare Part A deductible and $233 Part B deductible
  • Only individuals eligible for Medicare before Jan. 1, 2020, can join.

Best in coverage and popularity: Medicare 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
  • Covers everything except the $233 Part B deductible

Best value: Medicare Plan N

  • Plan N is good 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)

Best cost savings: High Deductible Plan F

  • High deductible Plan F provides the same benefits as F but has annual deductible
  • Premiums substantially cheaper than F
  • In 2022, the deductible is $2,490. Once you satisfy this deductible, the plan will cover 100% of the costs.

The five most populous counties in Michigan are as follows:

  • Wayne County has 2,061,162 people
  • Oakland County has 1,194,156 people
  • Macomb County has 788,149 people
  • Kent County has 547,335 people
  • Genesee County has 436,141 people

America’s Health Insurance Plans determined that 25.6 percent of Medicare recipients also enrolled in Medicare Supplement insurance plans. In addition to that, approximately 1,225,000 people enrolled in Medicare Part A and Part B also decided to purchase a Medicare Supplement plan.

What Companies Sell Medigap Plans in Michigan?

CAUTION: THE INFORMATION CONTAINED ON THIS PAGE IS UNAUDITED AND NOT A COMPLETE ANALYSIS NOR IS IT AN EXPRESSION OF OPINION ON ANY INSURER. THIS PAGE MAY CONTAIN INADVERTENT ERRORS. Data from National Association of Insurance Companies; 2020 Medicare Supplement Insurance Experience Reports

Many private health insurance companies offer Medigap Plans in Michigan, although plan options vary based on service area. These companies account for the majority of enrollees because of their experience, stability, and excellent ratings.

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 are called guaranteed issue rights:

  • No medical underwriting required
  • Company cannot deny you coverage
  • Insurers must cover pre-existing health conditions
  • 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 you determine whether you’re eligible 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).

Related Topics

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 the process of 2022 plan selection. We work closely with some of the nations 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 or about Medicare Part D Prescription Drug plans, or request a Medicare Supplement Plan Quote.

Michigan Medicare Resources

Key Take Aways
  • In Michigan, Medicare Supplement Plan G is the most popular plan for 2022.
  • In Michigan, there are 10 Medicare Supplement Plans to choose from.
  • MI Medigap plans do not use a network, go wherever Original Medicare is excepted.
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