Finding Medicare Plans in Michigan
There are many Medicare plans available in Michigan to choose from. But finding the right coverage can be exhausting. We don’t think it has to be. We’ve done the research to help you find the plan that meets your needs.
What is Medicare and Who’s Eligible for It?
Medicare is a federal health insurance program for people age 65 and older and some people under the age of 65 with certain disabilities or illnesses. People typically qualify for Medicare plans in Michigan upon reaching 65 years of age. Persons under the age of 65 can also qualify if they have received Social Security Disability Insurance (SSDI) for the past 24 months or have been diagnosed with Amyotrophic Lateral Sclerosis (ALS) or End-Stage Renal Disease (ESRD).
In order to qualify for Medicare, you must be a citizen or permanent resident, having lived in the US during the past 5 years. In addition, you or your spouse must have worked at a job that contributed to your Medicare coverage via Social Security deductions for at least 10 years.
We’re here to help if you’ll be turning 65 within the next six months or need help determining your eligibility. Call us at the number above to speak with a licensed insurance agent.
What Medicare Plans are Available in Michigan?
Original Medicare (Parts A and B)
Original Medicare is the federal part of Medicare and is made up of two parts:
Part A (Hospital Insurance) covers inpatient services, like hospital care, nursing home care, and care received at a skilled nursing facility.
Part B (Medical Insurance) covers outpatient medical services and supplies that are considered medically necessary. Part B includes mental health care, ambulance services, and durable medical equipment, like canes, blood sugar monitors, and walkers. Part B also covers some services that prevent or detect illnesses at an early stage, like flu shots, cardiovascular screenings, and diabetes screenings.
It’s important to recognize that Original Medicare doesn’t cover everything. For this reason, you can expand your coverage with additional Medicare plans offered by Medicare-approved private insurance companies.
Medicare Advantage Plans (Part C)
Medicare Advantage plans provide an alternative way to acquire the coverage offered by Original Medicare (Parts A and B). These plans offer all the same benefits as Original Medicare and can include additional coverage, like dental and vision coverage. Some plans, called Medicare Advantage Prescription Drug (MAPD) plans, also offer prescription drug coverage.
In order to qualify for a Medicare Advantage plan, you must first be enrolled in both Parts A and B of Original Medicare. Part C premiums can start at $0 and increase based on the level of coverage selected. In addition to the Part C premium, you will need to continue paying your Part B premium.
To learn more about Medicare Advantage plans, click here.
Medicare Prescription Drug Plans (Part D)
Stand-alone Prescription Drug plans work alongside your Original Medicare to cover the cost of prescription medications. Since prescription drugs are not covered by Original Medicare nor Medigap plans, Part D plans can help reduce your out-of-pocket expenses for your medications. These plans assign medications to different tiers, each tier representing a certain copay/coinsurance. Each plan provides a drug formulary that details which medications fall into which tiers. This allows you to compare the cost associated with each medication and determine which plan best fits your prescription needs.
To learn more about Medicare Prescription Drug plans, click here.
Medicare Supplement Plans (Medigap)
Medicare supplement plans work to fill in the gaps in coverage left by Original Medicare (Parts A and B). Medigap plans can help reduce your out-of-pocket expenses by covering things like deductibles, copays, and coinsurance.
To learn more about Medicare Supplement plans, click here.
When Can I Enroll In A Plan?
Medicare Advantage and Medicare Prescription Drug Plans
Your first opportunity to enroll in Medicare plans in Michigan is during your Initial Enrollment Period (IEP). Your IEP begins three months before the month of your 65th birthday and lasts through the following 3 months. That gives you a total of 7 months to enroll.
Once this period ends, you can make changes to your Medicare Advantage or Medicare Prescription Drug coverage during the Annual Election Period (AEP). The AEP runs from October 15th to December 7th each year.
Important Fact: The General Enrollment Period (GEP) provides another opportunity to enroll in Original Medicare each year. This period is open every year, from January 1st to March 31st. Immediately following this period you’ll be able to select a Medicare Advantage plan from April 1st to June 30th each year.
Medicare Supplement Plans
Once you are both 65 or older and enrolled in Medicare Part B, you will have an opportunity to enroll in the Medigap plan of your choice. Your Medigap Open Enrollment Period begins the same month as your Part B coverage and runs for the following six months.
Important Note: If you enroll during this period, you’re guaranteed the Medigap plan of your choice, regardless of any pre-existing conditions. If you miss this window, however, carriers may charge a higher premium or deny you coverage altogether.
Special Enrollment Periods
Major life changes, like moving to a new state or transferring into or out of a care facility, are often considered qualifying life events for a Special Enrollment Period. A Special Enrollment Period allows you to enroll or make changes to your plan outside of the standard enrollment periods. Our licensed insurance agents can help determine your eligibility for a Special Enrollment Period.
How Can I Compare Plans?
MedicareMatchup offers a convenient way to compare the Medicare plans available in Michigan. We work with trusted partners to help you find the coverage that best fits your budget and medical needs. You can use the form below to compare Medicare plans side-by-side online. You can also call us to speak with a licensed insurance agent, Monday through Friday, 8 AM to 8 PM ET.
Additional Medicare Resources in Michigan
The State Health Insurance Information Program of Alabama (SHIP) is a free service that provides unbiased, one-on-one insurance counseling and assistance to Medicare beneficiaries, their families, and caregivers.
MMAP, Inc. is Michigan’s State Health Insurance Assistance Program (SHIP), which provides free, unbiased information through counseling and education.
Sources: Medicare.gov; www.alabamaageline.gov; mmapinc.org