Medicare Supplement Plans in Michigan

Medicare Supplement Plans in Michigan protect Medicare beneficiaries from the ever-increasing health care cost. 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.

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 F

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
  • Covers everything except the $233 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)

Best cost savings: High Deductible Plan F

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

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

Top Medicare Supplement Insurance companies in Michigan

Most Popular Medigap Companies by Enrollment

UnitedHealthcare

Ins Co

BCBS Of MS

Mut Ins Co

American Cont…

Mutual Of Om…

Philadelphia A…

United Of Oma…

Cigna Hlth & Li…

United World L…

Omaha Ins Co

Continental Life…

24.3%

9%

9.8%

9.4%

10.6%

8.1%

8.2%

10.6%

Company NameNumber of Covered LivesDirect Premiums EarnedMarket Share PercentageUnitedHealthcare Ins Co27,11574,072,18318.564BCBS Of MS Mut Ins Co10,06932,563,6018.161American Continental Ins Co10,88529,978,6857.513Mutual Of Omaha Ins Co11,85728,224,5307.073Philadelphia Amer Life Ins Co9,16225,258,9116.33United Of Omaha Life Ins Co4,85517,906,7024.488Cigna Hlth & Life Ins Co9,06117,569,9644.403United World Life Ins Co11,80517,073,7614.279Omaha Ins Co6,29815,748,2763.947Continental Life Ins Co Brentwood10,47612,011,5033.01

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 most enrollees because of their experience, stability, and excellent ratings.

Medicare Supplement Insurance Cost in Michigan

The cost for a Medigap policy in Michigan varies based on the 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.

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
  • 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 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).

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 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.

Michigan Medicare Resources

State Links

medicare.gov

CMS: Centers for Medicare and Medicaid Services

Related Topics:
Aetna Medigap Plan G
Cigna Medigap Plan G
Mutual of Omaha Plan G
Medicare Supplements 2023

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.