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Medicare Plans in Michigan in 2022

Your Medicare options in Michigan can vary depending on your age, where you live, and more. There are a number of Medicare plans in Michigan that offer broader coverage than Original Medicare or can help to fill in the gaps left over by Medicare Part A and Part B

Being aware of your state-specific Medicare rights can help you to find the best plan options possible. That’s why it’s so important to have a good understanding of the nuances of Medicare in your state. Read on to learn more about your Medicare Advantage, Medicare Supplement, and Part D options in Michigan.

How To Apply for Medicare in Michigan

If you are a Michigan resident who is only interested in enrolling in Original Medicare, you can do so through your local Social Security office. You can sign up in-person, online, or over the phone as early as three months before your 65th birthday.  

However, if you want to enroll in a Medicare Advantage plan, Medicare Supplement Insurance, or Part D drug coverage, we recommend contacting a licensed insurance agent. They can walk you through the process and help you to find the right plan for you. 

Reach out to an experienced insurance agent here at Medicare Plans Direct today to have all of your Medicare-related questions answered.

Medicare Supplement Plans in Michigan

Which Medigap plans are available to you in Michigan will depend on a number of factors, such as your age, which insurance company you enroll with, and where you reside.

There were 436,403 Michigan residents enrolled in Medicare Supplement Insurance plans in 2019. This figure represented a little over a fifth (21.3%) of all Medicare enrollees in the state that year.

The most popular Medigap plans in Michigan include Plans C, F, G, and N. These plans offer some of the most comprehensive coverage around.

However, beneficiaries who first became eligible for Medicare on or after January 1, 2020 will no longer be allowed to enroll in Plan C or Plan F. Plans G and N are good alternatives.

Medigap Enrollment in Michigan

If you are interested in enrolling in Medigap insurance in Michigan, the best time to do so is during your Medigap Open Enrollment Period (OEP)

This occurs when you first become eligible for Medicare and enroll in Part B, and it lasts for 6 months. During this time, you can enroll in any Medigap plan offered in your area regardless of your health history

Unless you qualify for a guaranteed issue right, you may have to undergo medical underwriting if you want to sign up for a Medigap plan after your OEP finalizes. In this case, insurance companies reserve the right to deny you coverage and/or charge you higher rates. 

The state of Michigan does not authorize any special guaranteed issue rights aside from the minimal federal standards. Some examples of guaranteed issue rights include moving out of your Medicare Advantage plan’s coverage area or losing your employer coverage. 

Medigap in Michigan for Disability Enrollees

Federal law does not require Medicare Supplement Insurance companies to provide coverage to beneficiaries under the age of 65 who qualify for Medicare because of a disability. However, many states offer protections that allow these individuals to enroll in a Medigap plan, and Michigan has been doing so for over two decades

Michigan Medigap insurers that also sell major medical health insurance must offer coverage to beneficiaries under the age of 65 who qualify for Medicare because of a disability. They must offer these individuals access to Plans A and D.*

However, insurers are permitted to charge these individuals higher premiums than they would charge beneficiaries who qualify due to age rather than disability. As of 2020, there were five Medigap insurance companies that offered coverage to beneficiaries under the age of 65

People who qualify for Medicare before they turn 65 can sign up for these select Medigap plans during the first six months that they are enrolled in Medicare Part B. These individuals will have another OEP during the six months following their 65th birthday. When this happens, they are allowed to sign up for any Medigap plan offered in their area without having to undergo medical underwriting.

*The law used to require these companies to offer Plans A and C, but Plan D took its place due to the fact that Plan C is no longer available for beneficiaries who qualified for Medicare prior to January 1, 2020. 

Medigap Premiums in Michigan

There were 48 Medigap insurance companies in Michigan in 2021. State law allows insurers to decide how they set monthly premiums, and many of them offer attained-age rated policies. 

With attained-age rated policies, your monthly premium will likely increase as you get older, which is important to consider when choosing a Medigap plan. 

Some companies offer issue-age rated plans. In this case, premiums are determined by the age you were when you enrolled in the policy. 

Very few Michigan Medigap insurers offer community rated policies. These plans’ rates aren’t based on the age of beneficiaries, meaning that prices will typically be the same for everyone in your area. 

Though Medigap plans’ benefits are federally standardized, premium rates can vary significantly between insurance companies. For that reason, we always recommend consulting with a Medicare expert before deciding on a Medicare Supplement policy to ensure that you are getting the best value plan for you.  

Additionally, the Michigan Health Endowment Fund operates a Medigap subsidy program. It provides financial assistance to low and modest-income Medicare beneficiaries by covering a part of qualifying individuals’ monthly premiums.  Unfortunately, the program is expected to run out of funding in late 2022 or early 2023, so it is no longer accepting new applications. 

Medicare Advantage Plans in Michigan

Another coverage option for people looking for more benefits than those offered by Original Medicare is Medicare Advantage. Also known as Part C, these plans provide you with Original Medicare benefits on top of extra benefits, which can include drug coverage, hearing coverage, dental coverage, vision coverage, and more

Almost half (49.6%) of Michigan Medicare beneficiaries were enrolled in a Medicare Advantage plan in 2021. In 2022, there are 191 Medicare Advantage plans available in Michigan, and all Medicare beneficiaries in the state have access to at least one Medicare Advantage plan. 

However, which Medicare Advantage plans you have available to you depends on where exactly you reside, as plan availability varies from county to county. Michigan Medicare enrollees who live in Livingston County have access to 71 Medicare Advantage plans in 2022, while residents of smaller counties like Delta and Gogebic can only choose between 18 plans. 

When it comes to monthly premiums, what you pay for your Medicare Advantage plan depends on where you live, the plan that you choose, and more. In 2022, the average Part C monthly premium in Michigan is $28.74. Plus, 100% of the state’s Medicare enrollees have access to at least one plan with a $0 monthly premium.

Deciding which is the right Medicare Advantage plan for you is best done with the help of an experienced insurance agent. Here at Medicare Plans Direct we help you make the best Medicare choices possible at no extra cost to you. Reach out today to receive free Medicare advice.

Medicare Part D in Michigan

Another thing for Michigan Medicare beneficiaries to keep in mind is their Part D prescription drug plan options. In 2022, there are 23 stand-alone prescription drug plans available to Michigan Medicare enrollees

How much you will have to pay for your Part D premium depends on where you live and which insurance company you purchase your plan through. In 2022, the average Part D premium in Michigan is $45.09

You can also find drug plans with $0 deductibles, though insurance companies usually charge higher monthly premiums for these plans. In 2022, there are four no-deductible plans available to Michigan residents, and the lowest-cost stand-alone drug plan with a $0 deductible has a monthly premium of $64.10.

It is typically a good idea to enroll in prescription drug coverage when you are first eligible if you foresee it being necessary in the future. If you don’t sign up for Medicare Part D when you first qualify and don’t have some other form of creditable drug coverage, you could face late enrollment penalty fees down the line.

Some Medicare Advantage plans cover prescription drugs, but if you are enrolled in Original Medicare and/or a Medigap policy, you will need a stand-alone drug plan to cover your prescription medication costs. 

As you can see, it is important to understand the ins and outs of Medicare coverage when choosing a plan. Here at Medicare Plans Direct, we help seniors through the process of enrolling in Medicare. Reach out today for a free consultation with a licensed insurance agent. 

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