Michigan Medicare Plans
Michigan has many options to meet your healthcare needs through Medicare, Supplements, Plan additions and Advantage plans. Read below to determine the best fit for your healthcare needs.
Michigan Medicare plans open enrollment
Beginning three months before your 65th birthday and extending for three months after your birthday you are able to enroll in Medicare benefits. This period is called open enrollment. During this time it is best to enroll in a Supplement plan as well as you cannot be declined because of your current health needs.
You are able to enroll in a Supplement at any time throughout the year, however you are subject to a health survey and can be denied coverage based on the results.
Deductibles and coinsurance are costs often left behind by Original Medicare policies. Outpatient expenses are only covered at 80%. These reasons may persuade you into enrolling in a Supplement.
A Medicare Supplement will put a cap on your out-of-pocket spending and will allow you see any doctor that see Medicare patients.
There are 10 plans lettered A-N. Similarly lettered plans provide similar coverage. The only difference comes down to the price of the plans. This is why you’ll want to shop for the plan that fits your healthcare needs and your budget.
If you were enrolled in Medigap plans C or F prior to 2019, you are able to remain enrolled in those plans. If you are a new beneficiary you will not be able to enroll in those plans.
Medicare Advantage Plans
Michigan has 50 Medicare Advantage Plans depending on the county in which you live. These plans or Part C plans are private insurance plans that offer Original Medicare benefits as well as additional benefits. These additional benefits include vision, dental and prescription coverage.
Medicare Part D
If you need assistance with out-of-pocket prescription drug costs you will want to enroll in a Part D plan. This plan is specifically designed to help with coverage at the pharmacy. As Supplements and Original Medicare do not provide prescription coverage, many beneficiaries choose to enroll in a Part D plan or an Advantage plan.
How we can help
Our goal is to help you in choosing the best plan that fits your needs. We can help you compare plans and prices, choose Supplements or additional plans to ensure you have the best healthcare to fir your needs and budget. This service is at not cost to you. Please reach out to one of our Michigan Licensed Agents today.