Finding the best Michigan Medicare Supplement plans can be challenging sometimes. It doesn’t have to be. In this guide, we’ll walk you through how to compare plans and find the best value when shopping for Michigan Medigap plans.
In this article we’ll discuss:
best medicare supplement plans in Michigan
Before you start trying to compare plans, you need to make sure you understand how these plans are setup. Medigap plans are standardized insurance plans that are regulated by the government.
What does a standardized plan mean?
This means that when you shop for a specific Medicare Supplement Plan (like Medigap Plan G) it will provide you the same exact coverage no matter the company you buy from.
Your Medicare coverage is the same no matter if the Plan G is from Blue Cross Blue Shield, Mutual of Omaha, Cigna or any other Medigap company.
It’s the LAW!
How You’ll save money on medicare supplement plans in Michigan
How much will you pay for your Michigan Medicare Supplement Insurance? You’re not getting more benefits by paying more.
So don’t overpay!
How much can Michigan residents save?
Here’s a quick example…
Plan G premiums with one insurance company can be very different from another insurance company. Remember, the benefits are the same even if the premiums are different.
We calculated sample quotes from multiple states to show you what the lowest and highest rates are for a 65 year old (non tobacco) male shopping for a Medigap Plan G.
The average monthly premiums from “A” rated companies are:
- Average Lowest Monthly Rate: $128
- Average Highest Monthly Rate: $190
Your Potential Monthly Savings!
Those savings are huge… That’s an annual savings of $744!
Again, these Plan G savings all come with the same policy benefits.
Since the benefits are the same, the only difference from each company is PRICE!
How Medicare Supplements Work
Let’s look at Medigap and compare it to an everyday purchase.
Think of Medigap plans like buying gas.
The quality of regular unleaded gasoline (Plan G) is the same at every gas station.
However, gasoline may have different prices from multiple gas stations in your town.
You probably buy the least expensive premium gas because it’s the same regardless of which station you buy it from.
This is how Medigap works.
If you want to purchase a Plan G, shop your Plan G with all the companies in your Zip Code.
If you are shopping for Plan N, shop all Plan N plans in your Zip Code.
Michigan Medigap Benefits
Plan G benefits are the exact same no matter what company you choose.
This applies to all Medigap plan letters.
You do not get better benefits by selecting a big or small insurance company.
Price comparison shopping is extremely important.
You must make sure that you are not spending more than you have to for the exact same Michigan Medicare Supplement Insurance Coverage.
Compare Michigan Medicare Supplements
It is important to know that even though the coverage for Michigan Medicare Supplement Plans are the same, the rates are not. You need to compare the plan letters from company to company. For example, compare Medicare Supplement Plan G from multiple companies.
Medicare Supplement Insurance Plan premium prices are different when comparing Michigan Medicare Supplement Insurance Companies.
The Medigap lettered plans (Plan G for example) are standardized. This is a safety net put in place by CMS (Centers for Medicare and Medicaid Services) to protect you. Insurance companies, by law, can’t make any changes to standardized Medigap benefits.
CMS, however, does not regulate premiums. Insurance companies adjust rates based on inflation, overhead, medical pay outs, marketing, etc.
Outline Of Coverage
* Plans F and G also offer a high-deductible plan in some states. With this option, you must pay for Medicare-covered costs (coinsurance, copayments, and deductibles) up to the deductible amount of $2,340 in 2020 ($2,370 in 2021) before your policy pays anything. (Plans C and F aren’t available to people who were newly eligible for Medicare on or after January 1, 2020.)
** For Plans K and L, after you meet your out-of-pocket yearly limit and your yearly Part B deductible, the Medigap plan pays 100% of covered services for the rest of the calendar year.
*** Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to a $50 copayment for emergency room visits that don’t result in inpatient admission.
REMEDIGAP can help
Our service is free. We help Michigan Medicare Insurance beneficiaries who are new to Medicare or already using Medicare.
If you have a Medigap plan, we can review your coverage and find lower rates to save you money on the same exact plan.
We are independent agents who shop the entire market and offer you choices.
We’re not bound to any insurance company.
We don’t work for the Medicare Supplement companies. We work for you.
We’ll find you the absolute highest value with your Medicare Supplement coverage by shopping all of the insurance companies that offer Michigan Medigap coverage.
Be an informed buyer and comparison shop your Michigan Medicare Supplement Insurance plans and rates.
Just click here to request a quote or call us at (888) 411-1329 for personal service.
Michigan Medigap Locations
Are you wondering if I can help you lower your Medicare Supplement costs? I can! Below are the cities in Michigan that I serve. Click here if you’re looking for other Medicare Supplement states.
Ada Addison Adrian Ahmeek Akron Alanson Albion Algonac Allegan Allen Allen Park Allendale Alma Almont Alpena Alpha Ann Arbor Applegate Argyle Armada Ashley Athens Atlanta Auburn Auburn Hills Au Gres Au Sable Augusta Bad Axe Baldwin Bancroft Bangor Bannister Baraga Baroda Barryton Barton Hills Village Battle Creek Bay City Bay Port Bear Lake Beaverton Belding Bellaire Belleville Bellevue Benton Harbor Benzonia Berkley Berrien Springs Bessemer Beulah Beverly Hills Big Rapids Bingham Farms Birch Run Birmingham Blissfield Bloomfield Hills Bloomingdale Boon Boyne City Boyne Falls Breckenridge Breedsville Bridgman Brighton Britton Bronson Brooklyn Brown City Buchanan Buckley Burlington Burr Oak Burton Byron Cadillac Caledonia Calumet Camden Capac Carleton Carney Caro Carson City Carsonville Caseville Casnovia Caspian Cass City Cassopolis Cedar Springs Cement City Center Line Central Lake Centreville Charlevoix Charlotte Champion Chatham Cheboygan Chelsea Chesaning Clare Clarkston Clarksville Clawson Clayton Clifford Climax Clinton Clio Coldwater Coleman Coloma Colon Columbiaville Comstock Park Concord Constantine Coopersville Copemish Copper City Coral Corunna Croswell Crystal Falls Custer Daggett Dansville Davison Dearborn Dearborn Heights Decatur Decker Deckerville Deerfield DeTour Village Detroit DeWitt Dexter Dimondale Douglas Dowagiac Dryden Dublin Dundee Durand Eagle East Grand Rapids East Jordan East Lake East Lansing Eastpointe East Tawas Eaton Rapids Eau Claire Ecorse Edmore Edwardsburg Elberta Elk Rapids Elkton Ellsworth Elsie Emmett Empire Escanaba Essexville Estral Beach Evart Fairgrove Falmouth Farmington Farmington Hills Farwell Fennville Fenton Ferndale Ferrysburg Fife Lake Filer City Flat Rock Flint Flushing Forestville Fountain Fowler Fowlerville Frankenmuth Frankfort Franklin Fraser Freeport Free Soil Fremont Fruitport Gaastra Gagetown Gaines Galesburg Galien Garden Garden City Gaylord Gibraltar Gladstone Gladwin Glen Arbor Gobles Goodrich Grand Beach Grand Blanc Grand Haven Grand Ledge Grand Rapids Grandville Grant Grass Lake Grayling Greenville Grosse Pointe Grosse Pointe Farms Grosse Pointe Park Grosse Pointe Shores Grosse Pointe Woods Hamilton, Village Hale Hamtramck Hancock Hanover Harbert Harbor Beach Harbor Springs Harper Woods Harrietta Harrison Harrisville Hart Hartford Hastings Hawkins Hazel Park Hesperia Hersey Highland Park Hillman Hillsdale Holland Holly Holt Homer Honor Hopkins Houghton Houghton Lake Howard City Howell Hubbard Lake Hubbardston Hudson Hudsonville Huntington Woods Imlay City Indian River Inkster Ionia Iron Mountain Iron River Ironwood Ishpeming Ithaca Jackson Jonesville Kalamazoo Kaleva Kalkaska Keego Harbor Kent City Kentwood Kinde Kingsford Kingsley Kingston Laingsburg Lake Angelus Lake Ann Lake City Lake Leelanau Lake Linden Lake Odessa Lake Orion Lakeview Lakewood Lakewood Club L’Anse Langston Lansing Lapeer Lathrup Village Laurium Lawrence Lawton Lennon Leonard LeRoy Leslie Lewiston Lexington Lincoln Lincoln Park Linden Litchfield Livonia Lowell Lucas Ludington Luna Pier Luther Lyons Mackinac Island Mackinaw City Madison Heights Mancelona Manchester Manistee Manistique Manton Maple City Maple Rapids Marcellus Marine City Marion Marlette Marquette Marshall Martin Marysville Mason Mattawan Maybee Mayville McBain McBride Mecosta Melvin Melvindale Memphis Mendon Menominee Merrill Merritt Mesick Metamora Michiana Middleton Middleville Midland Milan Milford Millersburg Millington Minden Mineral Hills Mio Moddersville Monroe Montague Montgomery Montrose Moorestown Morenci Morley Morrice Mount Clemens Mount Morris Mount Pleasant Muir Mulliken Munising Muskegon Muskegon Heights Nashville Negaunee Newaygo New Baltimore Newberry New Buffalo New Era New Haven New Lothrop Niles North Adams North Branch North Muskegon Northport Northville Norton Shores Norway Norwood Novi Oakley Oak Park Olivet Omena Omer Onaway Onekama Onsted Ontanogan Orchard Lake Ortonville Oscoda Otisville Otsego Otter Lake Ovid Owendale Owosso Oxford Parchment Paris Parma Paw Paw Peck Pellston Pentwater Perrinton Perry Petersburg Petoskey Pewamo Pierson Pigeon Pinckney Pinconning Plainwell Pleasant Ridge Plymouth Pontiac Portage Port Austin Port Hope Port Huron Portland Port Sanilac Posen Potterville Powers Prescott Prudenville Quincy Ravenna Reading Reed City Reese Remus Richland Richmond Riverdale River Rouge Riverview Rochester Rochester Hills Rockford Rockwood Rogers City Romeo Romulus Roosevelt Park Roscommon Rosebush Rose City Roseville Rothbury Royal Oak Saginaw Saint Charles Saint Clair Saint Clair Shores Saint Helen (St. Helens) Saint Ignace Saint Johns Saint Joseph Saint Louis Saline Sand Lake Sand Point Sandusky Sanford Saranac Saugatuck Sault Sainte Marie Schoolcraft Scottville Sebewaing Shabbona Shelby Shepherd Sheridan Sherwood Shoreham Sidney Six Lakes Southfield Southgate South Haven South Lyon South Range South Rockwood Sparta Springfield Spring Lake Springport Stambaugh Standish Stanton Stanwood Stephenson Sterling Sterling Heights Stevensville Stockbridge Stronach Sturgis Sunfield Suttons Bay Swartz Creek Sylvan Lake Tawas City Taylor Tecumseh Tekonsha Thompsonville Three Oaks Three Rivers Traverse City Trenton Troy Trufant Turner Tustin Twining Ubly Union City Unionville Utica Vandalia Vanderbilt Vassar Vermontville Vernon Vestaburg Vicksburg Wakefield Waldron Walker Walkerville Walled Lake Walloon Lake Warren Watervliet Wayland Wayne Webberville Wellston West Branch Westland Westphalia White Cloud Whitehall White Pigeon Whitmore Lake Whittemore Williamston Wixom Wolverine Wolverine Lake Woodhaven Woodland Wyandotte Wyoming Yale Ypsilanti Zeeland Zilwaukee