Best Medicare Supplement Plans in Michigan
If you are searching for the most cost-effective Medigap plan, ACE Insurance Company and Allstate Health Solutions offer the best Medicare Supplement plan rates in Michigan.
Plan G from ACE is their most comprehensive option at $132.25 per month on average in Wayne County, while Plan N with Allstate is competitively priced at just $105.48 per month in Genesee County. Compared to their competitors, ACE and Allstate offer monthly premiums that are, on average, 7.5% to 12% lower.
Both ACE and Allstate provide guaranteed renewable Medigap plans in Michigan. After conducting our review of ACE’s Medicare Supplement insurance, we found that ACE not only offers exceptional customer service but also provides policyholders with a maximum discount of 7% on their household premiums.
In our evaluation of Allstate’s Medicare Supplement offerings, we discovered that policyholders can enjoy a stackable discount of up to 25% and have access to the Active&Fit fitness program.
Additionally, Allstate offers dental insurance policies with three different coverage levels and a 10% discount when paired with a Medicare Supplement plan.
In Michigan, over 412,804 residents are enrolled in a Medicare Supplement plan. Specifically, Plan G has garnered enrollment from more than 136,000 individuals, while over 63,000 people in the state choose Plan N.
Let’s take a closer look at these competitive plan options.
Best Plan G Rates: ACE
65: $117.58
70: $119.33
75: $141.67
65: $132.25
70: $134.25
75: $159.50
ACE’s Medigap Plan G offers many benefits to enhance your coverage. It includes coverage for Part B excess charges, Medicare Part A deductible, Part B coinsurance, emergency room visits, foreign travel emergency care, and more.
What sets Plan G apart from a Medicare Advantage plan is its network freedom – no referrals are required, so you’re not limited by network restrictions when choosing your healthcare providers.
You can see any medical provider who participates in the Original Medicare network.
Plan G provides extensive coverage and lower out-of-pocket expenses, giving you peace of mind and financial protection.
Best Plan N Rates: Allstate
65: $93.39
70: $108.80
75: $126.03
65: $105.48
70: $122.92
75: $142.37
Medigap Plan N from Allstate provides the flexibility to see any doctor who accepts Original Medicare. With this plan, you’ll have a $25 copay for office visits and a $50 copay for emergency room visits.
This plan covers expenses such as Original Medicare Part A and B coinsurance, the Part A deductible, and emergency care. By choosing Medigap Plan N, you can enjoy lower out-of-pocket expenses while ensuring comprehensive coverage.
We focused on financially stable options from well-established companies to identify Michigan’s top Medicare Supplement plans. This is because lesser-known insurance companies may sometimes offer lower rates and then raise prices frequently.
We suggest selecting reputed and trustworthy brands to save money and avoid complications.
What's the Best Medigap Company in Michigan?
The overall best Medigap providers in Michigan are ACE and Allstate.
These are popular Medicare Supplement providers in Michigan because their Medigap plans are usually less expensive. However, it’s essential to understand that the best company for you depends on which plan you’re interested in.
For example, one company may offer cheaper rates for Plan N. Another provider may have more affordable prices for Plan G. Additionally, each company has its strengths and weaknesses based on its various plan levels.
| Company | Market Share | Plan G Cost | Plan N Cost | Cost by County | Financial Strength |
| ACE Insurance Company | 0.04% | $119.00 | $89.67 | Branch | A+ |
| Allstate Health Solutions | 0.01% | $130.26 | $98.94 | Lenawee | A+ |
| Aflac Insurance Company | 0.10% | $126.94 | $96.07 | Gogebic | A+ |
| United Health Care | 28.37% | $131.74 | $115.88 | Kent | A+ |
| Continental Life Insurance (Aetna Group) | 6.58% | $132.45 | $94.13 | Allegan | A |
| Mutual of Omaha | 7.40% | $139.05 | $101.29 | Washtenaw | A+ |
| Cigna Health Group | 2.13% | $155.90 | $106.73 | Macomb | A |
In Michigan, ten Medigap plans are standardized and offer the same coverage regardless of your chosen provider. Furthermore, there may also be a high deductible Medigap option in some areas.
Most plans don’t have any specific network restrictions, so you can go to any healthcare provider who accepts Original Medicare. To simplify the selection process, evaluate and compare insurance companies based on their costs and policyholder satisfaction ratings.
Medicare Supplement Plan Cost in Michigan
Premiums for a Michigan Medicare Supplement plan can cost as little as $44 or as much as $172 monthly, depending on your age and the level of coverage you choose.
| Medigap Plan | Monthly Cost | Cost by County | Enrollment in Michigan | ||
| Plan F | $136.67 | Ottawa | 28% | ||
| Plan G | $130.26 | Ingham | 33% | ||
| Plan N | $86.45 | Kalamazoo | 15% | ||
| High Deductible G | $44.26 | Livingston | 2.4% | ||
| Plan A | $86.45 | Saginaw | 1.42% | ||
| Plan K | $54.27 | Muskegon | 0.39% | ||
Do Medigap Plans Cover Dental and Vision?
Standard Medigap plans typically do not cover dental and vision care. These policies mainly fill gaps in Original Medicare coverage, which also excludes dental and vision services.
However, certain providers may offer separate or additional policies specifically designed for these areas. For example, Allstate provides dental insurance policies with different coverage levels:
- Basic plan – an affordable option that covers preventive care and minor procedures.
- Intermediate plan – balances affordability and broader coverage, including minor restorative procedures.
- Premium plan – offers comprehensive coverage for major restorative procedures and orthodontic treatments, making it ideal for customers needing extensive dental care.
Checking with individual insurance providers for the most accurate and up-to-date information is always recommended.
Do Tobacco Rates Affect Medigap Prices in Michigan?
Several factors impact Medigap rates in Michigan, but it’s worth noting that tobacco rates do not apply during the Open Enrollment period or in guaranteed-issue situations. This means individuals can secure health insurance coverage without being denied or experiencing higher premiums based on tobacco use during those specific periods.
Insurance providers typically consider tobacco use when calculating Medigap premiums outside the Open Enrollment period. Therefore, tobacco users should take advantage of Open Enrollment or guaranteed-issue rights circumstances to secure the most favorable rates for their Medigap coverage.
Bottom Line
We have helped many Medicare beneficiaries throughout the years and know that no perfect Michigan Medicare Supplement plan exists.
Assessing your healthcare requirements is essential to finding the right Medicare Supplement insurance plan. We can help you in this process by providing relevant information and facts to help you make an informed decision.
Choosing the right Medicare plan is a crucial decision. With Policy Guide, our skilled agents will help you compare Medicare health plans, prices, and policies. Making an informed choice that meets your needs is crucial, and we are here to guide you toward your perfect plan.
Article Sources: Allstate Medigap Info | BCBSMI Medigap | Medigap Costs | Michigan Medigap Info | Michigan AHIP
Frequently Asked Questions
- Is there a Medicare Supplement plan in Michigan that covers everything?
- What is the cost of a Medicare Supplement plan in Michigan?
- Is Medicare Advantage cheaper than Medicare Supplement?
