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Find Affordable Medigap Plans in Michigan

Best Medicare Supplement Plans in Michigan 2021

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.

What are the Top 5 Medicare Supplement Plans in Michigan?

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

1. Best for full coverage: Medicare Plan F

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

2. 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 Part B deductible

3. 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)

4. 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 2021, the deductible is $2,370. Once you satisfy this deductible, the plan will cover 100% of the costs.

5. Best for lower rates: High Deductible Plan G

  • High deductible Plan G provides the same benefits as Medicare Plan G but requires annual deductible
  • Premiums significantly cheaper than G
  • In 2021, the deductible is $2,370. Once you satisfy this deductible, the plan will cover 100% of the costs.

What is the Best Supplemental Insurance to go with Medicare?

  • Most popular Medicare Supplement plan in Michigan for 2021: Plan F has the most enrollees, but Plan G is catching up quickly.
  • Best benefits: Plan F is the most comprehensive but is only available for those on Medicare prior to Jan. 1, 2020. Plan G is the most comprehensive plan available after Jan. 1, 2020.

How do I choose the best plan?

The best Medicare Supplement insurance plan in Michigan is different for each beneficiary. Here are a few things to keep in mind as you compare Medigap policies:

  • Your budget
  • Your health needs
  • Your health history
  • Your location

Our Policy Guides are happy to guide you through the process of choosing a Medicare Supplement insurance plan in Michigan.

Which Medigap company offers the best rates in Michigan?

Insurance companies set their own rates. In Michigan, the most common way to set rates is by attained age, which means your premiums will increase as you age. Other factors affect your monthly premiums:

  • When you enroll
  • Location
  • Demographic information

Our Policy Guides can compare policies and provide an exact quote based on your information in just a few minutes.

What is the Average Cost for a Medicare Supplement Plan in Michigan for 2021?

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.

Common Michigan Medicare Supplement Plan Questions

What Companies Sell Medigap Plans in Michigan?

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

  • Cigna
  • Aetna
  • Mutual of Omaha

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.

Which is better, Medigap Plan G or Plan N?

Both are great policies:

  • Plan G has slightly higher premiums but has more comprehensive coverage.
  • Plan N has lower premiums but has copays for office and emergency room visits.
  • Plan G is the most popular plan beneficiaries are buying.
  • Plan G covers Medicare Part B excess charges; Plan N does not.

What is Medicare Supplement Insurance?

The Federal Medicare Program is health insurance that primarily covers seniors over age 65. It can also serve those with end stage renal disease or disabled individuals under age 65. Beneficiaries choose how they want to receive their Medicare benefits:

  • Original Medicare (through the government)
  • Medicare Advantage Plan (through a private Medicare insurance company that contracts with the government)

Original Medicare has two parts:

  • Medicare Part A (inpatient hospital)
  • Medicare Part B (outpatient and doctors)

Original Medicare does not pay 100% of your expenses. You are responsible for some out-of-pocket costs:

  • Deductibles
  • Copayments
  • Coinsurance

Medicare Supplement insurance plans, also called Medigap policies, pay these expenses. A Medigap plan in Michigan does not cover:

  • Dental
  • Hearing
  • Vision
  • Prescription drug coverage

Is Plan G the Best Medigap Plan in Michigan?

How Much Does Plan G Cost in MI?

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

What is the Plan G Deductible in 2021?

Medigap Plan G does not have a deductible, but you do have to pay the Medicare Part B deductible. For 2021, the Part B deductible is $203.

What does Medigap Plan G Cover in Michigan?

Related Topics

Plan G by State

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 plan selection. We work closely with some of the nations top rated carriers such as Aetna, Cigna and Mutual of Omaha. 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

Michigan Enrollment Statistics

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 2015. In addition to that, approximately 1,225,000 people enrolled in Medicare Part A and Part B also decided to purchase Medicare Supplement plans in 2017.

Key Take Aways
  • In Michigan, Medicare Supplement Plan G is the most popular plan for 2021.
  • There are 10 Medicare Supplement Plans in Michigan to choose from.
  • Medicare Supplement plans do not use a network, go wherever Original Medicare is excepted.
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