Explore your options
Compare options, including Medicare Advantage, Medicare Supplement, and prescription plans.
Find a Licensed Medicare agent in Michigan
Connect with Medicare agents in Michigan
Toni Aldridge
Kevin Hatfield
Shannon Davis
Tyler Eby
Kayla Torry
Brandon Kauffman
Calvin Fritz
Sara Morrissey
Matt Willenborg
Ariel De Jesus
Why work with a Medicare agent
Enroll in Medicare
Get the help you need to enroll in Medicare, from Original Medicare to supplemental coverage.
Use your coverage
Receive extended support to help you use your plan effectively, find doctors, and get savings.
A Snapshot of Medicare in Michigan
38% of Michigan Medicare beneficiaries are on Original Medicare and receive hospital coverage through Part A and medical coverage through Part B. The other 62% are enrolled in a Medicare Advantage plan.
Medicare beneficiaries with Original Medicare can enroll in a separate Part D prescription drug plan. Most Medicare Advantage plans include Part D coverage. If your Medicare Advantage plan does not include Part D coverage, you can get a separate Part D plan. Prescription costs vary by plan—and with one plan, costs can vary between pharmacies. Check your plan’s list of covered drugs, prices for those drugs, and preferred pharmacies to ensure you’re paying as little as you can for your prescriptions.
Many people on Original Medicare choose to enroll in a Medigap plan. Medigap, also known as Medicare Supplement Insurance, helps cover some costs that Original Medicare doesn't pay, including deductibles, copayments, and coinsurance.
Medicare costs include monthly premiums, deductibles, copayments, and coinsurance. Original Medicare has no annual limit on out-of-pocket costs, but a Medigap plan will reduce your risk of high out-of-pocket costs. Medicare Advantage plans have a yearly out-of-pocket limit for covered care.
How to apply for Medicare in Michigan?
Medicare eligibility in Michigan follows the same nationwide rules as everywhere else in the country. You qualify for Medicare as a US citizen if you meet one of these criteria:
- You're 65 or older
- You have a qualifying disability, such as End-Stage Renal Disease or ALS
- You've received SSDI for 24 months or more
Enrolling in Michigan takes three key steps:
- Sign up for Original Medicare (Part A and Part B)
- Decide on your supplemental coverage:
- Medicare Supplement (Medigap)
- Medicare Advantage (Part C)
- Part D (prescription drug coverage)
- Confirm your doctors are in network, update your pharmacy with your new plan, and activate any additional benefits included with your coverage
FAQs
Is it free to work with a Medicare agent in Michigan?
Most Medicare agents offer support for free. Chapter’s Michigan Medicare agents provide free, personalized, and unbiased support to help people choose the best Medicare coverage for their specific needs. They’ll help you compare every option available to you across Original Medicare, Medicare Advantage, Medicare Supplement, and Part D. Call 855-900-2427 or schedule a free consultation to get advice and support for your Medicare.
Why can Medicare Advantage networks differ across Michigan?
Plan networks differ because insurers set their own contracts with doctors and hospitals. A doctor's office may be in one plan's network but not another. Check with both the doctor and the plan, including any rules about referrals or approval for care. Original Medicare provides coverage for any doctor or hospital that accepts Medicare nationwide.
Can moving between Michigan counties change my Medicare Advantage or Part D options?
Moving to another county in Michigan may qualify Medicare beneficiaries for a Special Enrollment Period (SEP). If your move takes you outside your plan's service area or makes new plans available, look at your available options to make sure you’re still on the best available plan. If you notify your plan’s insurance carrier before you move, your SEP starts the month before your move and ends two full months after the month of your move. If the plan is notified after the move, your enrollment period starts the month the plan is notified and continues for two full months. If you move outside your Medicare Advantage plan's service area, you can also switch back to Original Medicare.
Does Medicare cover dental, vision and hearing care in Michigan?
Some Medicare Advantage plans offer dental, vision or hearing benefits, so look at what services are covered, what the limits are and what the costs are. These services are not covered under Original Medicare.
