Medicare in Michigan
This article was updated on: 09/16/2018
It’s a good idea to consider all of your Medicare plan options in Michigan before choosing a plan. Medicare.com can be your resource throughout your search for a plan that covers all of your needs, offering use of our plan comparison tool to help you examine pricing options and plan details.
About Medicare in Michigan
Medicare beneficiaries in Michigan may enroll in Original Medicare, Part A and Part B, and then enhance that coverage with a stand-alone Medicare Prescription Drug Plan and/or a Medicare Supplement (Medigap) plan. They may also decide to receive all of their benefits through a Medicare Advantage plan.
Types of Medicare coverage in Michigan
Original Medicare, Part A and Part B, is health care offered and administered by the federal government. This type of Medicare coverage is available to eligible beneficiaries in every state in the country. Medicare Part A provides inpatient hospital, nursing home care (as long as custodial care isn’t the only care you need), skilled nursing facility, home health, and hospice care while Part B covers physician visits, medical services, and durable medical equipment.
Medicare Advantage plans, Part C, are offered through private insurance companies with Medicare’s approval. These plans are required to offer the same amount of coverage as Original Medicare, Part A and Part B (with the exception of hospice care). When enrolling in a Medicare Advantage plan, you may want to explore all available options so you can find a plan that works best with your needs.
Medicare Part D Prescription Drug Plans (PDPs) are available to those looking to have their prescription medications covered. These stand-alone prescription drug plans work with your Medicare Part A and/or Part B coverage. You can also get Medicare prescription drug coverage through a Medicare Advantage Prescription Drug plan. Please note that not every Part D plan is available in each county throughout the state.
Medicare Supplement insurance, also called Medigap, can be used to help cover Medicare deductibles, copayments, coinsurance, and, in some cases, foreign travel emergency health care. Most states offer 10 standardized Medigap policy options, each labeled with a letter. All plans of the same letter offer the same benefits, no matter the insurance company.
Local resources for Medicare in Michigan
Medicare Savings Programs in Michigan: If you receive Medicare benefits and have a low income and limited assets, then you may qualify for a Medicare Savings Program in Michigan. The only way to know if you qualify is to apply and, if accepted, you may get discounts on certain health expenses, like premiums, copayments, and deductibles.
Michigan State Health Insurance Counseling and Assistance Program (SHIP): The Medicare/Medicaid Assistance Program (MMAP) provides free health benefit counseling services to all Medicare beneficiaries in Michigan. Counselors at local agencies provide information about a variety of Medicare-related topics.
How to apply for Medicare in Michigan
To qualify for Medicare, you must be either a United States citizen or a legal permanent resident of at least five continuous years.
Those who receive benefits through the Social Security Administration (SSA) or the Railroad Retirement Board (RRB) may be automatically enrolled in Original Medicare, Part A and Part B, the first day of the month that they turn age 65; if your birthday happens to fall on the first day of the month, you’ll be automatically enrolled in Medicare on the first day of the month before you turn 65. People with disabilities are eligible for Medicare before reaching age 65, and are enrolled automatically, once they have received disability benefits from Social Security or certain disability benefits from the RRB for 24 straight months. Those who qualify for Medicare because of disability will be automatically enrolled in the 25th month of receiving disability benefits.
You may also qualify for Medicare in other situations. If you have amyotrophic lateral sclerosis (ALS, or Lou Gehrig’s disease), you’ll be automatically enrolled in Medicare in the first month that your disability benefits begin (regardless of age).
You may also qualify for Medicare if you have end-stage renal disease; in this case, you will need to manually enroll in Medicare. Anyone who is not enrolled automatically due to one of the above circumstances may visit their local SSA office in order to enroll in Medicare. They may also visit the SSA online to apply, do so over the phone, or apply at a local SSA office.
- Visit the Social Security website.
- Call Social Security at 1-800-772-1213 (TTY users should call 1-800-325-0778), Monday through Friday, 7AM to 7PM.
- Apply at a local Social Security office.
- If you worked for a railroad, call the RRB at 1-877-772-5772 (TTY users call 312-751-4701), Monday through Friday, 9AM to 3:30PM.
Are you in the market for Medicare insurance beyond Original Medicare, Part A and Part B? If you’re thinking about adding a Medigap policy, or a stand-alone Prescription Drug Plan to your Original Medicare, Part A and Part B coverage, I can certainly help you find the best options. Maybe you want to know a little more about Medicare Advantage plans to see if that insurance is right for you. If you want to learn more, or if you have questions, I am more than happy to help. Click the “View profile” link beneath my photo to get a better idea of my background. You can also use the other links to request a phone call or an email with personalized information for you. If you would like to browse plans on your own, simply click the Compare Plans button on the right side of the page or call an eHealth licensed insurance agent for more information.