Speak to a Licensed Insurance Agent
M-F 8am-7pm CT
What Are the Medicare Advantage Plans in Michigan?
Medicare, a federally administered program, is a primary source of health coverage for Michigan residents 65 years of age or older. Medicare insurance is also available for some younger Michigan residents who have disabilities. To make sure you’re covered upon turning age 65, it’s important for you to understand your options when it comes to buying a Medicare Advantage (MA) plan in Michigan.
Michigan residents might also know Advantage plans as Medicare Part C. Both names are correct. Medicare Advantage plans provide an alternative way to receive hospital insurance provided by Medicare Part A and/or medical/doctor’s office insurance from Medicare Part B. Private insurance companies in Michigan offer Medicare Advantage plans. They are approved by Medicare, offer at least the same level of coverage as Medicare Parts A and B and replace coverage from Medicare Part A and Medicare Part B.
Many people select a Medicare Advantage plan because of the additional benefits included. Michigan residents needing hearing, vision, dental and other routine medical services may want to consider a Medicare Advantage plan in Michigan as these types of benefits are typically included.
Am I Eligible for a Medicare Advantage Plan in Michigan?
Michigan residents wondering if they’re eligible for Medicare enrollment only need to know if they are eligible for Medicare Part A and Medicare Part B and also live in an area where MA plans are sold. Otherwise, eligibility for one plan ensures eligibility for the other. A Medicare Advantage plan offers extra consideration for medical needs that can increase with age. Within Michigan, a Medicare Advantage plan may help to save you money since many Medicare Advantage plans have $0 monthly premiums. Copayments, coinsurance and deductibles vary depending on the plan you choose.
Michigan residents cannot be enrolled in a Medicare Advantage Plan and a Medicare Supplement Insurance plan at the same time. A Medicare Supplement Insurance plan (Medigap) assists with covering some of the gaps in coverage including copayment, coinsurance and deductibles that aren’t covered by Medicare Parts A and B.
Are Prescription Drugs Covered by Medicare Advantage Plans in Michigan?
Any resident living within the 12 active area codes in Michigan looking for prescription drug coverage should consider a Medicare Advantage plan as a Medicare Prescription Drug plan is typically wrapped into many Medicare Advantage plans and can help cover the cost of prescriptions. When considering prescription drug coverage in Michigan, you may want to consider a Medicare Advantage Prescription Drug (MAPD) plan.
Most Popular Medicare Advantage Plans in Michigan
Finding the right Medicare Advantage plan in Michigan is as unique as the person the plan is there to support. Among Michigan residents enrolled in a Medicare Advantage plan, over one-half (56.8%) are enrolled in a Local PPO and 36.7% are enrolled in an HMO/HMOPOS plan, as reported by the Centers for Medicare & Medicare Services (CMS.gov). Knowing how much Medicare plan coverage you need will help you determine the right Medicare Advantage plan in Michigan for your needs.
You can become more informed about Medicare Advantage plans available in Michigan by working with a SelectQuote licensed sales agent who can guide you through the Medicare maze. Acting as your advocate, our licensed sales agents can help you weigh the Medicare Advantage plan options in Michigan, understand costs and answer questions that can arise throughout the process. SelectQuote individually shops more than 20 national insurance companies to help you compare Medicare Advantage plans in Michigan.
Michigan Medicare Advantage Plan Enrollment Period
Enrollment in a Medicare Advantage plan is open during specified enrollment periods. Medicare enrollment in Michigan opens for residents prior to turning age 65 or earlier in special disability cases. The Initial Enrollment Period (IEP) runs for seven months.
IEP begins three months before turning age 65, including the birthday month, and ends 3 months after the birthday month. It is also the time allotted for enrollment in Medicare Parts A, B, C and D. For example, if you’re a Michigan resident with a June birthday, your IEP runs from March through September.
You may also enroll in a Medicare Advantage plan during the Medicare Annual Enrollment Period, which occurs annually each fall. Medicare’s AEP runs from October 15 through December 7 each year. The key dates for AEP are as follows:
Oct. 15 – Annual Enrollment Period Begins
Dec. 7 – Annual Enrollment Period Ends
Jan. 1 – First Date Coverage can start
During the Annual Enrollment every year, Michigan residents can:
- Switch from Medicare Parts A and B (Original Medicare) to a Medicare Advantage (Part C) plan
- Change from one Medicare Advantage Plan to another
- Switch from one Prescription Drug (Part D) plan to another
- Add a Prescription Drug (Part D) plan if you didn’t enroll when first eligible for Medicare
In addition to AEP, Michigan residents who are enrolled in a Medicare Advantage plan can make a one-time plan change during the Open Enrollment (OEP) period, which occurs each year from January 1 through March 31. There are also Medicare Special Enrollment Periods (SEP) you may be able to enroll in Medicare or make changes to your existing Medicare Advantage coverage because of certain events and life changes, such as moving or losing employer coverage.
Is a Michigan Medicare Advantage Plan Right for You?
SelectQuote can help ensure you are getting all the available benefits you deserve while staying up to date with the annual updates to Medicare plans made by insurance companies. As a trusted third-party company, SelectQuote is here to help you find the right Medicare Advantage plan in Michigan to meet your needs.
To ensure you are getting all the benefits you are entitled to receive, call or complete your online form today. Let SelectQuote’s personal licensed sales agents simplify the Medicare maze by comparing rates and independently shopping insurance companies to help you find an affordable option that meets your unique needs.