Best Medicare Supplement Plans in Michigan
If you are searching for the most cost-effective Medigap plan, United Healthcare & Blue Cross Blue Shield of Michigan offers the best Medicare Supplement plan rates in Michigan.
Plan G from UHC is their most comprehensive option at $135.70 per month in Wayne County, while Plan N with Blue Cross Blue Shield of Michigan is competitively priced at just $136.61 per month in Genesee County.
These plans include household discounts, access to their SilverSneakers fitness program (UHC only), reasonable monthly premiums, and excellent customer satisfaction ratings.
Did you know?
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.
Plan G: UHC
$135.70 per month (average)
- SilverSneakers gym membership
- More than 135,000 are enrolled in Michigan
- 94% of active members renew their plan from year to year
More than 4 million insured members nationwide
Plan N: BCBSMI
Plan N: $136.61 per month
- Over 113,000 people trust BCBS of MI with their Medigap benefits
- Optional dental, vision, and hearing coverage
- Free virtual care from our 24-Hour Nurse Line
- Exclusive discounts from Blue365
- Expert guidance with Blue Cross Virtual Well-Being
We focused on financially stable options from established companies to identify Michigan’s top Medicare Supplement plan. This is because lesser-known insurance companies may not always offer lower rates and tend to raise prices frequently.
Selecting reputed and trustworthy brands to save money and steer clear of complications is advisable.
Best Plan G Rates: UHC
United Healthcare 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, foreign travel, emergency care, and more.
What sets it apart from a Medicare Advantage plan is the freedom it provides – no referrals are needed, and you’re not limited by any networks when choosing your healthcare providers.
You can see any medical provider who participates in the Original Medicare network.
It provides extensive coverage and lower out-of-pocket expenses, giving you peace of mind and financial protection.
Best Plan N Rates: BCBS of Michigan
Medigap Plan N from Blue Cross Blue Shield of Michigan 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.
What's the Best Medigap Company in Michigan?
The overall best Medigap provider in Michigan is United Healthcare.
United Healthcare is a popular Medicare Supplement provider 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. Still; another provider may have more affordable prices for Plan G. Additionally, each company has its strengths and weaknesses based on its various plan levels.
|Plan G |
|Plan N |
|Cost by County||Financial
|Blue Cross Blue Shield of Michigan||26.5%||$136.56||$136.31||Oakland||A|
|Continental Life Insurance (Aetna GRP)||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 $58 or as high as $172, depending on your age and the level of coverage you choose.
|Medigap Plan||Monthly Cost||Cost by County||Enrollment in Michigan|
|High Deductible G||$43.39||Livingston||2.4%|
Do Medigap Plans Cover Dental and Vision?
Standard Medigap plans typically do not cover dental and vision care. These policies primarily focus on filling gaps in Original Medicare coverage, which also does not include dental and vision services.
However, some providers may offer separate or additional policies specifically for these areas. 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 Open Enrollment or guaranteed issue situations. This means individuals can secure health insurance coverage without being denied or experiencing higher premiums based on tobacco use.
Insurance providers typically consider tobacco use when calculating Medigap premiums. Therefore, tobacco users should take advantage of Open Enrollment or guaranteed issue rights circumstances to secure the most favorable rates for their Medigap coverage.
We have helped many Medicare beneficiaries and know no perfect Michigan Medicare Supplement plan exists.
Assessing your healthcare requirements is essential to find the right Medicare Supplement insurance plan. We can assist you in this process by providing relevant information and facts to aid you in making 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. Make an informed choice that meets your needs. Let us guide you and find the perfect plan for you.
Frequently Asked Questions
Is there a Medicare Supplement plan in Michigan that covers everything?
If you became eligible for Medicare before Jan. 1, 2020, Plan F offers the most comprehensive coverage. Plan G typically provides more coverage than other options if you become eligible after that date.
What is the cost of Medicare Supplement plans in Michigan?
Plans range from about $58 to $172 per month in Michigan. The price of Medigap plans can differ based on factors such as your age, gender, history of tobacco use, and the specific plan you choose.
Is Medicare Advantage cheaper than Medicare Supplement?
Medicare Advantage monthly premiums are usually lower compared to Medicare Supplement plans. However, Medicare Advantage plans can have higher out-of-pocket costs during service.