Michigan Medicare Plans
Once you enroll in Michigan Medicare plans, you have to make a decision as to whether to enroll in Medicare Supplement insurance or Medicare Advantage.
Medicare Supplements cover the deductibles, copays, coinsurance, and more that Original Medicare doesn’t, saving thousands of dollars. It also gives you the freedom to see any doctor that accepts Medicare. Medicare Advantage plans offer similar coverage to Original Medicare, but offer extras, including prescription drug coverage, and sometimes don’t cost you any additional premium.
Michigan Medicare plans open enrollment
Medicare beneficiaries in Michigan are eligible for Medicare at age 65. Initial enrollment begins three months before your birth month and lasts three months after. During initial enrollment, you can also apply for Medicare Supplements.
Although you can enroll in a supplement at any time, initial enrollment is the best time to do so because you cannot be turned down due to your health.
Medicare Supplements in Michigan cover some or all of the deductibles and coinsurance left over by Original Medicare.
This can save you thousands of dollars because Medicare only covers about 80% of your outpatient expenses. Original Medicare also does not have any limits on out-of-pocket costs. A supplement would put a cap on your out-of-pocket spending.
Another overlooked feature is you are not limited to any networks and choose to see any doctor that accepts Medicare.
There are 10 plans lettered A through N that offer standardized coverage. This means all plans lettered the same have to offer the same coverage and the only difference is price. So, be sure to shop your coverage. Or, you can use our service to save you both time and money as we will do all the shopping for you!
After the end of 2019, new Medicare enrollees will no longer be able to select Medigap Plans C or F in Michigan. Beneficiaries who already have these plans will be able to keep them.
Because these plans are standardized by the federal government, the only difference will be in price. Be sure you have someone shopping the policy to make sure you’re getting the best deal.
Medicare Advantage plans
Michigan has up to 50 Medicare Advantage plans available, depending on what county you live in. Also known as Medicare Part C plans, Medicare Advantage is a private Medicare plan that provides all Original Medicare benefits but also include extra benefits like dental, prescription drugs, and vision coverage.
Medicare Part D
While Original Medicare and Medicare Supplement plans don’t offer coverage for prescription drugs, there is an option to enroll in Medicare Part D. There are 29 Part D plans available in Michigan in 2019. If you don’t want to pay out-of-pocket for your prescriptions, be sure to look into Medicare Advantage or a standalone Part D plan.
How we can help
Our licensed Michigan Medicare Plans specialists are available to help you at absolutely no charge to you. We pride ourselves on assisting you finding you a plan that fits your needs. Because Medicare Supplement plans are required by law to offer standardized coverage, the only difference will be price. We will shop your policy and find you the lowest price.
Let us provide our free assistance so you can feel comfortable knowing you’re getting the best value for your healthcare coverage.
This guide can be helpful if you’re considering buying a Medigap policy or already have one. It’ll help you know how Medicare Supplement plans work.
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