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Best Medicare Supplement Plans in Michigan for 2019

There are quite a few shoppers for looking for the best Medicare Supplement plans in Michigan for 2019. There are roughly 1.5 million residents who depend upon Medicare Part A and Medicare Part B  to provide them with essential health benefits. For over 20 percent of them, the right solution will be Medicare Supplement plans that work along with their Original Medicare.  We can help you get a personalized comparison of Medicare Supplement rates in Michigan.  Just pick your state from the quote box to get started.

Best Medicare Supplement Plans in Michigan for 2019: Plan F, G & N Benefits 

No significant changes are planned in Medicare Supplement plans in Michigan for 2019.  They have consistently been very predictable benefits due to them being standardized. It might be easiest to understand these if they are grouped by similarity:

  • Basic coverage: Plan A and B are considered basic coverage. The difference between these two Medicare Supplement plans is that Plan B won’t pay the Medicare Part A deductible.
  • Robust coverage: Medigap Plan F in Michigan, Plan C, Plan D, and Medigap Plan G in Michigan are considered robust Medigap plan. Plan F offers all the benefits. Plan G is the same but without coverage for the Part B deductible. Plan C is like Plan F but without coverage for excess charges. Plan D is like Plan C but without the Part B deductible.
  • High deductible: High deductible Plan F is similar to the original Plan F, but it only kicks in after the yearly deductible has been met for the calendar year.
  • Cost sharing: Plan K, Plan N, Plan M, and Plan L are the cost-sharing options. Both Plan K and Plan L have a yearly deductible. Some copays are required for plans like Plan N, but monthly premiums are cheaper.
  • Best and Most Popular: Medicare Supplement Plan G and Plan F
  • Prescription drug plans: Medicare Part D, which will not be included with your Michigan Medicare Supplement plan, is a form of prescription drug coverage. Signing up for this along with your Medicare Supplement insurance will help you save even more.

Medicare Advantage Plans VS. Medicare Supplement Plans in Michigan:

  • Medigap insurance like Medicare Plan F works along with your regular Medicare benefits. If you sign up for one of the Advantage plan options, though, you will not actually be a part of the Original Medicare program anymore.
  • You always have to pay a monthly premium for a Supplement, but there isn’t always a monthly premium for Medicare Advantage, depending on the plan you choose.
  • Medicare Advantage health plans are typically an HMO or PPO, so you might have to worry about network restrictions. This is something you can ask an insurance agent about. Network restrictions are not a problem with Supplements, however.
  • Medicare Advantage does pay for some skilled nursing facility care, but you will have to pay a daily coinsurance, and there might be a hospital deductible.
  • Both Medicare Advantage and Medicare Supplement plans in Michigan can help you save on health care costs.

Best Companies offering Medicare Supplement Plans in Michigan for 2019

All Medicare Supplement plans in Michigan for 2019 will offer the same benefit from any health insurance company. That means you should compare the top companies to find the cheapest Medicare Supplement rates in Michigan for plan F and plan G.

Our Top Picks for 2019:

Aetna

Cigna

Mutual of Omaha

Best Medicare Supplement Rates In Michigan for 2019

While insurers can determine their own rates for each Medigap plan, they may also charge different prices in different counties. Also, they don’t have to market in every area. Medicare beneficiaries are most likely to see the most competition here:

  • Detroit
  • Grand Rapids
  • Warren
  • Sterling Heights
  • Lansing

Michigan residents often prefer Medicare Supplement plans in Michigan because they typically offer a broader choice of doctors and specialists combined with more predictability for out of pocket medical expenses. Many like that they continue to have traditional Medicare coverage through Medicare Parts A and B while enjoying additional benefits from a Medigap policy like Plan N or Plan F.

Compare the Best Medicare Supplement Plans in Michigan for 2019 Online

We can help you compare Medicare Supplement rates in Michigan online with our quick quote forms. All you need to do is pick Michigan from the list at the top of this page. If you need help comparing or wish to apply for a Medicare Supplement plan in Michigan for 2019, give us a call today. Whether you’re in your open enrollment period or if that period has passed, we want to help.

Resources

For more information about enrolling in Medicare Part A and Part B, check out these links:

If you need help with choosing or signing up for a Medicare Supplement plan, contact us to talk to one of our experienced agents!