Medicare Supplement Insurance in Michigan

Medicare Supplement Insurance (also called Medigap) helps senior and disabled Michigan residents pay for certain Medicare co-payments, deductibles, and other costs. Insurance companies can offer state residents up to 10 standardized Medigap plan options: Plans A, B, C, D, F, G, K, L, M, and N.

Important: Plan F and Plan C are not available to Medicare beneficiaries who become eligible for Medicare on or after January 1, 2020.

What are the most popular Medicare Supplement plans in Michigan?

The chart below shows the most popular Medicare Supplement plans in Michigan.¹

Medicare Supplement Insurance Pricing Methods

Medigap pricing methods are important because they dictate how your premiums may increase in future years. There are 3 different pricing methods:

• Attained-age rated: The premium increases as you age.
• Issue-age rated: The premium is based on your age when you buy and it may increase due to inflation and other factors, but not due to your age.
• Community rated: The same premium is charged to all Medigap policyholders.

Under-65 Enrollment Rules

Although Medicare Supplement insurance is primarily for senior citizens, it’s also available to disabled people and those with end-stage renal disease (ESRD) in some states. Each state’s insurance department dictates the rules governing Medicare beneficiaries under the age of 65.

Medigap insurers in Michigan do not have to offer any Medigap plans to under-65 Medicare beneficiaries. Medigap insurers in Michigan are allowed to charge under-65 policyholders different premiums from their senior policyholders.

Learn More

To learn more about Medicare Supplement Insurance, read through some of the guides below.

• How Medicare Supplement Insurance works
• Get a Medicare Supplement Insurance quote