Medicare in Michigan

According to Centers for Medicare & Medicaid Services (CMS) data, the total number of Medicare beneficiaries that enrolled in Medicare Part A and Part B equals 1,263,405 in 2015. Many beneficiaries in Michigan enrolled for Original Medicare, Part A and Part B. Original Medicare is the government-supported health insurance program for the citizens of United States and permanent legal inhabitants from age 65 years or older and  those who are eligible by disability. To be eligible for Medicare, Permanent legal inhabitants must have been and lived in the U.S. for at least five years.

Who’s qualified for Medicare?

  • Beneficiaries are already getting and receiving Social Security or Railroad Retirement Board benefits when turn the age of 65 years.
  • When Beneficiaries reach the 25th month in a row of receiving disability benefits from Social Security or the Railroad Retirement Board.
  • Beneficiaries have Lou Gehrig’s disease.
  • Beneficiaries start getting Medicare benefits the same month that they start receiving disability benefits.
  • Beneficiaries can sign up for Medicare during his / her Initial Enrollment Period If they are not eligible for an automatic enrollment, which usually starts immediately three months before he/she turns 65 years of age and lasts for a seven months.
  • If Beneficiaries are disabled and are under 65 years of age, IEP is also normally seven months, starting from when he/she have been receiving disability benefits for 22 months.

Medicare Supplemental Insurance in Michigan

It essential to understand that Original Medicare might not be an only option for Medicare benefits in Michigan. It can also be received through a Medicare Supplemental Insurance plan. Original Medicare does not cover recommendation and prescriptions medications in most situations. Medicare Part A might cover prescription drugs in the process of treatment as a hospital inpatient. Medicare Part B covers a particular prescription drugs, which includes some drugs recommended to you as an outpatient. If there is a case of benefits for the drugs prescriptions to be taken at home, beneficiaries can sign up for an independent Medicare Part D Prescription Drug Plan, which is available from private insurance companies that are approved by Medicare.

Medicare Supplement insurance plan (Medigap) can be bought if benefits for Medicare’s out-of-pocket expenditures, such as co-payments and deductibles. There are 10 standard Medigap plans in Michigan, and they are obtainable from private insurance companies.

Original Medicare benefit is offered through Medicare Advantage (Medicare Part C), which is offered by private Medicare-approved health insurance companies, Medicare Advantage plans in Michigan provides the same benefit from Original Medicare, except for the hospice care, which Medicare statically covers. Medicare Supplemental Insurance plans may include extra benefits, like dental and vision care, and prescription and prescription drug benefits. With any type of Medicare Supplemental Insurance plan, payment of Medicare Part B premium, Alongside plan premium if there is one must be made continuously.

Medicare resources in Michigan

Office of Services to the Aging (OSA):

This office is setup to serve the prerequisites and needs of the senior population. For the past 40 years, the Office of Services to the Aging have been providing resources and sponsorship for Michigan’s aging population. The office provides information to seniors about various programs and services available to them, which includes their Medicare options. They also provide legal services to seniors, which includes counseling, education, and representation.

Michigan Medicare/Medicaid Assistance Program (MMAP):

This program provides free counseling service and education for Michigan Medicare beneficiaries. The office is sponsored by a donation from the Office of Services to the Aging and is not affiliated with any part of the insurance industry. Information and details about Michigan Medicare and other benefits options are also offered through this office, and also resources for reporting Medicare fraud, waste and abuse.

Learn more about Michigan Medicare Supplemental Insurance plans, rates and more at  Our Michigan Medicare Supplemental Insurance brokers will help you compare Medicare Supplemental Insurance rates and plans in Michigan.  To talk to an expert in Michigan Medicare coverage toll free 877-202-9248 today!

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