Best Medicare Supplement Plans in Michigan
There are ten Medicare Supplement plans available in Michigan to help cover extra costs such as deductibles, copayments and coinsurance that aren't covered by Original Medicare.
- Aetna offers the best Medicare Supplement Plan G rates of the ten plans available in Michigan, coming in at $140 per month for the most comprehensive coverage.
- We found that Cigna offers the best Medicare Supplement Plan N rates at $98 per month. This plan offers lower monthly premiums and high value coverage.
- Mutual Of Omaha offers the best rates on High Deductible Plan G at $44 per month. It offers the same comprehensive Medicare benefits as the standard Plan G, but beneficiaries must pay the annual $2,700 deductible before accessing those benefits.
Below is a brief overview highlighting what each plan covers.
Aetna Medicare Supplement Plan G
- Aetna Medicare Supplement Plan G offers one of the most comprehensive coverage available, providing quality healthcare protection to anyone searching for a reliable supplement plan.
When choosing Plan G, there are several notable advantages:
- This comprehensive benefits plan includes coverage for Part B excess charges, Medicare Part A deductible, and the coinsurance costs associated with Part B.
- No referrals are required.
- Enjoy the convenience of visiting any medical provider who accepts Original Medicare.
- Besides Medicare Part B's deductible, it covers a variety of out-of-pocket costs.
Cigna Medicare Supplement Plan N
- If you're searching for an affordable option, Cigna Medicare Plan N is a great choice. With lower premium rates than Plans F and G, it offers a budget-friendly solution that still provides many benefits.
In addition, here are some of the advantages that come with choosing Plan N:
- Skilled nursing facilities
- $0 Part A deductible
- Foreign travel emergency healthcare
- Maximum $20 copay for office visits
- Maximum $50 copay for an ER visit (waived if admitted)
Mutual Of Omaha High Deductible Plan G
- Mutual Of Omaha High-Deductible Plan G is an excellent way to save on Medicare Supplement coverage, as you only need to pay $2,700 upfront for the deductible. All other features and benefits of traditional Plan G still apply so you can enjoy comprehensive coverage at a lower cost.
Cigna Medicare Supplement Plan F
What's the Best Medicare Supplement Company in Michigan?
Based on our review of several key factors, Aetna is the best Medicare Supplement company in Michigan.
While Aetna Medigap plans tend to be more affordable in Michigan, it's not the only factor when selecting the best Medicare Supplement company. For example, depending on your plan letter of choice, one provider might offer Plan N at a lower cost but may be pricier for Plan G; every insurer has its own set of advantages and drawbacks depending on their levels of coverage.
For this reason, Aetna remains our top selection during the review process due to its affordability, expansive range of plan choices, household premium discounts, and high customer satisfaction rates.
This chart compares different Medicare Supplement companies to Aetna that are also available in Michigan, including sample premiums, ratings, and market share:
Market share: 2.39%
Plan G cost: $143
Plan N cost: $98
Financial strength: A
Mutual of Omaha
Market share: 8.05%
Plan G cost: $141
Plan N cost: $103
Financial strength: A+
Market share: 9.12%
Plan G cost: $140
Plan N cost: $100
Financial strength: A
Market share: 31.79%
Plan G cost: $113
Plan N cost: $100
Financial strength: A
How Much Does a Medigap Plan Cost in Michigan?
The best price for Medicare Supplement Plan G in Michigan is $140 per month with Aetna.
Your age and plan choice will have the most significant impact on your premium.
Here you can see how the prices compare for several different plans:
High Deductible G
Plan Popularity in Michigan
Quotes are for sample purposes only. Prices are the average monthly rate in Michigan for a 65-year-old female nonsmoker. Part B start date and or medical underwriting may affect your rate.
When Can I Apply for a Medicare Supplement Plan?
Your Medigap Open Enrollment Period is the best time to apply for a Medicare Supplement insurance plan in Michigan. This period lasts for six months and starts the first month that you are at least 65 and are enrolled in Medicare Part B.
During this time:
- Insurance companies can't charge you special rates based on your health condition.
- Carriers can't deny coverage based on pre-existing conditions.
- Insurers can't require medical underwriting.
You can also qualify for guaranteed issue rights in special situations, such as:
- If you lose your group health coverage
- If you move from your plan's service area
- If your insurer discontinues your policy, goes bankrupt, or leaves your service area
If one of these apply to you, you may be eligible for a Special Enrollment Period. There are a few other situations in Michigan that qualify you for guaranteed issue rights. Our licensed insurance agents can determine your eligibility for guaranteed issue enrollment.
If you are under 65, you may not be able to sign up for a Medigap plan unless you have a qualifying disability or ESRD (end-stage renal disease). Several states are required to sell at least one Medigap to beneficiaries under 65 with a disability. If you live in one of these states, your six-month Open Enrollment Period begins when your Part B coverage starts.
Ready to Learn More?
We help educate Medicare beneficiaries on their Medigap options and help them go through the process of reviewing and comparing plans. We work with some of the nation's top-rated Medigap carriers. So give us a call today, or request a quote online to learn more about Aetna Medicare Supplement plan G and Mutual of Omaha Medicare Supplement plan G in your state.
Two of the most notable providers in the state are Aetna and Cigna. Both offer a variety of plans and coverage options to fit a range of needs.
Generally, premiums for Medicare Supplement plans range from $44-$190 per month. The cost of Medicare Supplement plans in Michigan can vary widely depending on the type of plan and the individual's circumstances.
You can switch anytime, but changing plans within the six-month Open Enrollment Period is best. Outside of this period, you may not qualify for a guaranteed issue right, and the insurance carrier can consider your health condition before offering coverage. As a result, you could face higher monthly premiums or be refused coverage.
You can be denied coverage for Medicare Supplement plans if you are outside your Medigap Open Enrollment Period and do not qualify for guaranteed issue rights.
Medicare Supplement Plan G is often the most popular and cost-effective Medicare Supplement plan available in Michigan.
- Mutual of Omaha Medicare Supplement Plans
- Aetna Medicare Supplement Plans
- Cigna Medicare Supplement Plans
- How Much Does a Medigap Plan Cost?
- When Can I Apply for a Medicare Supplement Plan?
- When Can I Change Medigap Plans?
- Can I Be Denied Medigap Coverage?
- CMS Medicare Services
- Michigan Medicare Savings Program
- Michigan Department of Insurance and Financial Services
Please note that the average quotes provided are for demonstration purposes only. Your actual premiums will be determined based on several factors, such as your health conditions, age, location, tobacco status, gender, and insurance provider.
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