Speak with a Licensed Insurance Agent
Have questions? We can help!
Call to speak with a licensed insurance agent.
1- TTY 711Touch to Call
According to Centers for Medicare & Medicaid Services (CMS) data, the total number of Medicare beneficiaries in Michigan enrolled in Medicare Part A and/or Part B and Medicare Advantage and other health plans totaled 2,004,184 in 2018.
Whether you’re already a Medicare beneficiary in Michigan, or you’re planning ahead or helping a loved one, it may be useful to understand what Medicare is all about. Here’s a brief summary to help you understand the basics of the program and what other Medicare plan options you may have.
Many beneficiaries in Michigan are enrolled in Original Medicare (Part A and Part B). Original Medicare is the government-sponsored health insurance program for United States citizens and permanent legal residents aged 65 or older or those who qualify by disability. (Permanent legal residents must have lived in the U.S. for at least five years in a row to qualify for Medicare.)
You’re enrolled in Medicare Part A and Part B automatically if any of the following applies to you:
If you don’t qualify for automatic enrollment, you can sign up for Medicare during your Initial Enrollment Period, which usually starts three months before you turn 65 and lasts for a total of seven months. If you’re disabled and under 65, your IEP is also typically seven months, starting when you’ve been receiving disability benefits for 22 months.
It’s important to understand that Original Medicare may not be your only option for Medicare coverage in Michigan. You can add to your coverage, or receive it through a Medicare Advantage plan.
Original Medicare doesn’t cover prescription medications in most situations. Medicare Part A may cover prescription drugs during your treatment as a hospital inpatient, and Part B covers certain prescription drugs, such as some drugs administered to you as an outpatient. If you need coverage for the prescriptions you take at home, you can sign up for a stand-alone Medicare Part D Prescription Drug Plan, available from private insurance companies approved by Medicare.
You can also buy a Medicare Supplement (Medigap) insurance plan if you want coverage for Medicare’s out-of-pocket expenses, such as copayments and deductibles. There are 10 standardized Medigap insurance plans in most states, including Michigan, and they’re available from private insurance companies.
Another way to get your Original Medicare coverage is through Medicare Advantage (Medicare Part C).Offered by private, Medicare-approved health insurance companies, Medicare Advantage plans provide the same coverage you get from Original Medicare, except for hospice care, which Medicare still covers. Medicare Advantage plans may include extra benefits, like dental and vision care, and prescription drug coverage. With a Medicare Advantage Prescription Drug plan, you get the convenience of all your Medicare benefits in one plan.
With any type of Medicare Advantage plan, you must keep paying your Medicare Part B premium, along with your plan premium if there is one.
Office of Services to the Aging (OSA): The state of Michigan set up this office to serve the needs of the senior population. Through the past 40 years, the Office of Services to the Aging has provided resources and advocacy for Michigan’s aging population. The office offers information to seniors about a variety of programs available to them, including their Medicare options. In addition, OSA offers legal services to seniors, such as counseling, education, and representation.
Michigan Medicare/Medicaid Assistance Program (MMAP): This program provides free counseling and education for Michigan Medicare beneficiaries. The office is funded by a grant from the Office of Services to the Aging and is not affiliated with any part of the insurance industry. Within this office is Michigan’s State Health Assistance Program (SHIP), which offers financial assistance to qualifying seniors who are unable to pay their Medicare premiums. Information about Michigan Medicare plans and other coverage options are also provided through this office, as well as resources for reporting Medicare fraud, waste and abuse.
Michigan Department of Health and Human Services: MDHHS is the go-to resource for Michigan Medicare beneficiaries who also qualify for Medicaid services based on eligibility. This office provides information about the state’s Medicare Savings Programs, which can help cover the cost of Medicare premiums, deductibles and coinsurance costs. The services are available to Michigan Medicare beneficiaries that qualify for Medicare Part A, and eligibility is based on income and current assets. In addition, this department offers information to seniors about home and nursing care, including the MIChoice Waiver program that allows seniors to receive care in their home, rather than a nursing center.
Here are some 2018 statistics regarding Medicare in Michigan from a CMS report:
Statistical data from the Centers for Medicare & Medicaid Services, Medicare Enrollment Dashboard and “2018 MA Part D Landscape State-by-State Fact Sheet”
This website and its contents are for informational purposes only. Nothing on the website should ever be used as a substitute for professional medical advice. You should always consult with your medical provider regarding diagnosis or treatment for a health condition, including decisions about the correct medication for your condition, as well as prior to undertaking any specific exercise or dietary routine.
The product and service descriptions, if any, provided on these eHealth Insurance Web pages are not intended to constitute offers to sell or solicitations in connection with any product or service. All products are not available in all areas and are subject to applicable laws, rules, and regulations.
This information is not a complete description of benefits. Contact the plan for more information. Limitations, copayments, and restrictions may apply.
Benefits, premiums and/or copayments/co-insurance may change on January 1 of each year.
eHealth's Medicare website is operated by eHealthInsurance Services, Inc., a licensed health insurance agency doing business as eHealth. The purpose of this site is the solicitation of insurance. Contact may be made by an insurance agent/producer or insurance company. eHealth and Medicare supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program. We offer plans from a number of insurance companies.