Best Medicare Supplement Plans in Michigan 2024

For 2024, the most comprehensive coverage in Michigan is offered by Medicare Supplement Plan G, making it the best choice. Medigap plans do not use a network and go wherever Original Medicare is accepted.

The best price for Plan G in Michigan is with Humana, which is $120 per month.

There are ten standardized Medicare Supplement plans to choose from, here is an overview of the top four plans:

Medicare Supplement Insurance Plan G

  • Medigap Plan G is the most comprehensive plan for Medicare beneficiaries.
  • Covers 33% of state enrollees with over 136,205 beneficiaries.
  • Offers almost identical coverage at a significantly lower monthly premium for those eligible for Medicare Plan F.
  • It covers everything except the $240 Part B deductible.

Medicare Supplement Insurance Plan N

  • Medicare Plan N suits beneficiaries willing to trade benefits for savings on their monthly premiums.
  • Over 63,410 policyholders in Michigan.
  • Has up to $20 copay for office visits.
  • Up to $50 copay for emergency room visits (waived if admitted).

Medicare Supplement High Deductible Plan G

Medicare Supplement Insurance Plan F

To get a closer look at the available Medigap plans, you can also check out our Medicare Supplement Plans Comparison Chart.

We have concluded that Humana Insurance Company offers the most competitive rates in Michigan for Plan G and Plan F. However, it’s important to note that cost should not be the sole determinant when choosing a Medicare Supplement provider.

To further assist you in making an informed decision, we have prepared a comprehensive chart that compares Humana with other Medicare Supplement companies in Michigan. This chart provides valuable information, such as sample premiums and ratings.

We have considered quality and affordability to present you with the best Medicare Supplement options.

CompanyAM Best RatingPlan G RatesPlan A RatesHi-F RatesPlan F Rates
Humana Insurance CompanyA-$120.64$119.33n/a$142.27
Ace Property and Casualty Insurance CompanyA++$125.08$123.75n/a$143.50
American Home Life Insurance CompanyB++$129.44$128.79n/a$156.60
Paramount Insurance CompanyNR$129.67$110.49n/a$150.96
Blue Cross Blue Shield of MichiganA$130.06$110.94$70.75$185.36
SBLI USA Life Insurance Company, Inc (Prosperity)A-$130.70$129.40n/a$143.61
Allstate Health SolutionsA+$130.75$125.34$49.91$162.73
American Benefit Life Insurance CompanyA-$135.71$135.03n/a$168.05
Philadelphia American Life Insurance CompanyA-$136.37$123.47$41.63$193.27
Continental Life Insurance Company of Brentwood, Tennessee (Aetna)A$140.36$137.03n/a$184.18
Cigna National Health Insurance CompanyA$140.45$155.93n/a$170.43
Omaha Supplemental Insurance CompanyA+$141.07$136.84n/a$167.71
United States Fire Insurance CompanyA$143.50$142.42n/a$169.33
Manhattan Life Assurance CompanyB++$145.17$143.83n/a$180.58
Medico Insurance Company (Preferred)A$148.49$147.01$53.93$179.78
Capitol Life Insurance CompanyA-$149.29$147.80n/a$198.83
Elips Life Insurance CompanyA$152.58$150.92n/a$179.00
Union Security Insurance CompanyB++$169.83$168.97n/a$213.84
United American Insurance CompanyA$184.00$141.00$34.00$263.00
Bankers Fidelity Assurance Company (Preferred)A-$184.72$173.65n/a$184.71
Assured Life AssociationNR$211.03$209.33n/a$258.73
Guarantee Trust Life Insurance CompanyA-$214.60$206.60n/a$275.00
GPM Health and Life Insurance CompanyA-$261.29$256.60n/a$361.56

When Is the Right Time to Apply for a Medigap Plan?

The effective date for Medigap policies is thirty days after you enroll. Unlike Medicare Advantage and Part D 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 is 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 move out of the plan’s service area.

Our Role

Our expertise lies in offering invaluable assistance to Medicare beneficiaries in Michigan, aiding them in navigating through the wide array of available Medicare insurance options. We are dedicated to ensuring that individuals receive the guidance they need to make informed decisions and secure the coverage that best suits their needs.

We partner with leading Medigap carriers across the nation to provide you with the utmost level of service.

If you’re interested in discovering more or obtaining a quote, please don’t hesitate to contact us or conveniently request a quote online.

Frequently Asked Questions:

How much are Medicare Supplement plans in Michigan?

Premiums range from $34 to $300 monthly. The cost of Medicare Supplement plans in Michigan will vary depending on factors such as the type of plan, age, and location.

Who is the best Medicare Supplement provider in Michigan?

The top-rated providers for Medicare Supplement plans include Humana, Aetna, United Healthcare, and Blue Cross Blue Shield of Michigan.

Is Medigap Plan G Available in Michigan?

Yes, Plan G is offered in Michigan, and the average cost is between $120 to $261 per month.

Article Resources:

Average quotes are for sample purposes only. Actual premiums are based on several factors, including health conditions, age, location, tobacco status, gender, and insurance provider.

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. In addition, his expertise is unmatched - having helped thousands of Medicare beneficiaries choose suitable healthcare plans for themselves - making him stand out above competitors.