Medigap is a health insurance policy that is sold by private insurance companies to fill the “gaps” in Original Medicare. There are various Medigap plans available in Michigan.  It is a good idea to understand what Michigan Medigap insurance plans cover to choose a plan that best fits your individual health and budget needs.

When it comes to Medigap it is important to note that it is a supplement to Original Medicare Part A and B in Michigan and is not meant to replace this coverage.  In fact, you must remain enrolled in Medicare Part A and Part B for hospital and medical coverage and be current on your premiums to participate in Medigap.  In addition, be aware that Medigap plans in Michigan do not offer prescription drug coverage.  To receive prescription coverage, you must purchase the stand alone Medigap Plan D, prescription drug plan.

Standard Medigap Plans

In the state of Michigan, private insurance companies offer ten standard Medigap plans that participants can choose to enroll in.  Each Medigap plan covers the same benefits no matter who it is purchased through.  Medigap Plan A is the same through Blue Cross Blue Shield as it is through Aetna.  No matter what insurer the plan is purchased through or the premium that is paid the coverage benefits are the exact same.

How Michigan Medigap Works

As previously mentioned, Medigap plans in Michigan are designed to help Medicare beneficiaries pay for costs associated with Medicare Part and Part B.  This can include copayments, coinsurance, and deductibles.  Medigap plans cannot be used in conjunction with Medicare Advantage.  There are ten standardized Medicare supplemental insurance plans available in Michigan.  Each is identified by one of ten letters: A, B, C, D, F, G, K, L, M, and N.

Enrolling During Open Enrollment

The Medigap open enrollment period is the best time to enroll in a plan.  Open enrollment for Medigap is the same as Medicare Part A and Part B enrollment starting the first day of the month you turn 65 and lasts for six months, remember that to enroll in Medigap you must be enrolled in Medicare Part A and Part B.

During the Medigap open enrollment period you have a guaranteed right to enroll in any Medigap plan that is available within your service area.  You cannot be denied coverage because of your health status or medical underwriting.  Although if you enroll in or switch plans after the open enrollment period you can be denied coverage, be charged higher premiums, and penalized for pre-existing conditions.

Learn more about Medigap plans & rates in Michigan at  Our Michigan Medigap Insurance brokers will help you compare Medigap Insurance rates and plans in Michigan today.  To talk to an expert in Michigan Medigap coverage call toll free 888-452-7949 today!

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