Michigan Medicare enrollees who are signed up for Original Medicare, Part A and Part B, may find that not all their health care expenses are covered. To cover the gaps that are left with Medicare Michigan participants can choose to enroll in one of ten different Medicare Supplemental Insurance Plans, otherwise known as Medigap. These expenses can include copayments, coinsurance, deductibles, and other extra healthcare expenses.
It is best to enroll in Medigap insurance plans during your six-month open enrollment period which begins the first day of the month you turn sixty-five and are enrolled in both Medicare Part A and Part B. During this period, if you have any medical problems, you are still able to sign up for Medicare supplemental insurance plans in Michigan. There is no medical underwriting required during the open enrollment period, premiums are not based on pre-existing conditions, and choosing a plan is completely up to you.
Once the six-month open enrollment period has lapsed, you may still apply for Medicare supplemental insurance plans however during this period you may be required to undergo medical underwriting, pay higher premiums, and can be denied coverage based on pre-existing conditions.
Comparing Medicare Supplemental Insurance Plans in Michigan
Michigan Medicare supplemental insurance plans costs may vary a great deal depending on the insurance company it is purchase through and where you are located. Medigap benefits, no matter where the insurance is purchased, are the same. Medigap Plan A from Blue Cross is the same coverage you will receive from Medigap Plan A from Humana. To determine what Medigap plan is best for you do a comparison between plans to evaluate which plan is the best for your healthcare needs and budget.
It is crucial to evaluate and compare all the available Medicare supplement insurance plans within Michigan. Medigap brokers can offer a comparison between plans and premiums to help you find what you are looking for and what plan makes the most sense for you.
The most popular Medigap plan for Michigan Medicare enrollees is Plan F, which is no longer going to be available as of 2020. It is the most comprehensive Medigap plan for beneficiaries to choose. The benefits of Medigap Plan F include:
- Medicare Part A Coinsurance & Hospital Costs: Up to an additional 365 days after Medicare benefits are exhausted
- Medicare Part B Coinsurance/Copayments
- The first 3 pints of blood
- Medicare Part A Hospice Care Coinsurance/Copayments
- Coinsurance for Skilled Nursing Facilities
- Medicare Part A Deductible
- Medicare Part B Deductible
- Excess Charged in Medicare Part B
- Foreign Travel Emergency Coverage: Up to the plan limits
Learn more about Medicare Supplemental Insurance plans, rates and more at http://www.emedicare-supplemental-insurance.com. Medicare Supplemental Insurance brokers will help you compare Medicare Supplemental Insurance rates and plans. To talk to an expert in Medicare coverage toll free 877-202-9248 today!