Tag Archives: Michigan Medicare Supplement Insurance Plans

Medicare Supplemental Insurance in Michigan

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 http://www.emedicare-supplemental-insurance.com/michigan-medicare-supplement-plans.  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!

How Do I Buy Medicare Supplemental Insurance Plans In Michigan

The cost of Medicare Supplement plans in Michigan may vary depending on a number of factors like the provider and the area in which you reside. However, Medicare benefits are consistent between planned letter types, regardless of where you live. It is left for you to discover what Medicare policies are available for you, and decide on which plan type is the most appropriate for your budget and health needs.

Medicare plans in Michigan are designed to help Medigap beneficiaries pay for the cost associated with traditional health care, Part A and Part B, including deductibles, coinsurance, and copayments. Medicare Part C is also known as the Medicare Advantage and these plans can’t cater for it. There are 10 standardized Medicare Supplement plans available Michigan, and each plan is distinguished by one of 10 letters (A, B, C, D, F, G, K, L, M, and N), with plans of the same letter offering the same benefits.

Buying Medicare Supplemental Insurance in Michigan

Before buying Medicare insurance in Michigan, it is best if you understand the different types of plans available and what they offer.

Part A

Part A coverage doesn’t start until you have met a deductible of $1, 132 during a period of time known as a “benefit period”. That period starts on the day you enter the hospital or a nursing facility and runs until you have not received hospital care for 60 consecutive days.

Part B

Part B caters for home health care, outpatient care, lab test, doctor care, and other services from non-hospital providers. An annual deductible of $162 is incurred, after which it pays for 80% of a pre-approved rate for services from health care providers while you are responsible for the remaining 20%. You will also be responsible for the excess if your doctor charges more than Medicare’s rate.

PLAN A

  • Part A coinsurance, plus 1 year coverage after Medicare benefits end
  • Hospice coinsurance
  • First 3 pints of blood each year
  • Part B coinsurance

PLAN C

  • Part A coinsurance, plus 1 year coverage after Medicare benefits end
  • Part A inpatient hospital deductible
  • Part B coinsurance
  • Part B deductible
  • First 3 pints of blood each year
  • Skilled nursing facility coinsurance
  • Hospice coinsurance
  • Emergency care in a foreign country: 80% of the cost of emergency care during the first 60 days of each outing, after which you pay a deductible of $250, subject to a $50,000 lifetime validity, if such care would have been covered by Medicare if provided in the U.S.

PLAN F

  • Part A coinsurance, plus 1 year coverage after Medicare benefits end
  • Part A impatient hospital deductible
  • Part B deductible
  • Part B coinsurance
  • Hospice coinsurance
  • Emergency care in a foreign country: 80% of the cost of emergency care during the first 60 days of each outing, after which you pay a deductible of $250, subject to a $50,000 lifetime validity, if such care would have been covered by Medicare if provided in the U.S.
  • Part B excess: 100% of the excess charge above Medicare’s usual charge if medical provider does not accept Medicare assignment, subject to Federal/State mandated limit.

It is recommended that you carefully evaluate these plans when you shop for your own coverage.

Learn more about Michigan Medicare Supplemental Insurance plans, rates and more at http://www.emedicare-supplemental-insurance.com/michigan-medicare-supplement-plans.  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!

Why would I need Medicare in Michigan?

Medicare Supplemental in Michigan

In a very smart move, private health insurance companies introduced various Medicare insurance programs for seniors and physically disabled people. These 10 different programs are beneficial for people as they provide them with the financial help related to health problems. If you are 65 years and/or physically disabled then there is no need to worry as the Medicare Insurance plans are designed in a manner to take care of all your medical needs. You can use these plans to feel comfortable by covering your health related problems.

Michigan-sunset

Benefits of Medicare in Michigan

Mi Medicare Supplemental plans are plans that are designed to fill in the “gaps” in “Original” Medicare. “Original” Medicare includes Medicare Part A (Hospital inpatient) and Part B (Outpatient/doctor). These plans are consistent across companies – all companies are required to provide the same standardized benefits. This makes it very easy to understand the plans and how they work. Here are the top three things that you must know when looking at Medicare Supplemental Insurance.

Nicknamed Medigap are Federally-Standardized

The plans all provide equal coverage for “like” plans. What this means is that a plan F with one company is the exact same as a Plan F with another company. Because of this, it is important to compare the plans on the basis of monthly premium and company rating or reputation. Price being equal, it is preferable to be with a company that has a long track record of involvement in the senior insurance marketplace.

Medigap plans can be used at any doctor or hospital, nationwide, regardless of which company sells you the plan.

Many types of insurance are networked-based; this does not apply to Medicare Supplemental plans. Even some types of Medicare plans – Medicare Advantage plans – are network-based in most cases. On the contrary, Medigap plans give you the flexibility of using the plan anywhere in the country. This flexibility, particularly for someone that travels, is one of the many reasons that these plans have become increasingly popular as a way to supplement Medicare coverage.

Medigap plans all pay claims through Medicare Crossover system

There is no variation in how quickly or how efficiently one company pays claims versus another. While some companies may use the selling point of their timeliness in paying claims, this is not altogether accurate when it comes to this type of insurance. Because the plans are Federally-Standardized and pay claims this “crossover” system, you can be assured that, regardless of the company, the claims are going to be paid in a timely manner and with minimal (usually no) involvement from the insured. Once you have a plan, you just need to present your plan identification card with your red, white, and blue Medicare card when receiving services from a doctor or hospital.

Altogether, Medicare Supplemental plans continue to be a viable option for those on Medicare, who wish to limit their exposure to out of pocket expenses. With only Medicare, you are subjected to paying approximately 20% of all medical costs. With a Medigap plan, you can greatly reduce or, with some plans, completely eliminate you’re out of pocket costs.

Learn more about this topic at www.emedicare-supplemental-insurance.com/michigan-medicare-supplement-plans or you can call us at 877-202-9248. Our Michigan Supplemental Insurance brokers will help you compare plans vs pricing. Another free tool you can use is our quote tool.

Understanding Medicare Supplemental Insurance in Michigan

Having insurance is a good way to start preparing for your future needs.  Normal health care coverage usually ends when you retire.  This is why at age sixty five Medicare is offered.  There are some medical bills and health care costs that Medicare will not cover. This is where Medicare Supplemental Insurance comes into play.

Having Medicare Supplemental Insurance on top of your Original Medicare coverage is a great way to plan for your health care needs and future.  There are many bills that Original Medicare Part A and Part B will not cover.  This is difficult for participants who are barely hanging on financially that can barely cover basic coverage let alone Supplemental Insurance.

Medicare Supplemental Insurance is purchased in conjunction to your Medicare Part A and Part B can help.  The supplementary insurance will help to pay for medical bills that Medicare does not cover.  Supplemental insurance covers expenses in excess of Medicare coverage.  It offers different plans ranging from basic health care to complicated scenarios and pre-existing conditions. Supplemental Insurance works only after Medicare Part A and Part B is purchased.

Not only are there ten standard Medicare Supplemental Insurance Plans, there are multiple companies that offer the coverage for sale in Michigan.  The premiums will vary from one insurer to another however the coverage will not.

Supplemental Insurance Plans are something many people rely on for times when emergencies occur.  There is no question about the benefits of Medicare for participants needing to pay exorbitant hospital bills or expenses from pre-existing conditions.  Choosing and purchasing the right policy before you enroll will give you an idea of what programs will suit your needs and how much the premiums you will need to pay.

When people take time to research each Medicare Supplemental Policy they don’t end up wasting their time, money or effort.  They tend to find the correct policy that fits both their health care needs and budget. It is vital for Medicare participants to go through each policy to determine which one amongst the ten will work for them when the need arises. It is easy to take your current health for granted but one expected emergency can cost. It is crucial that participant’s research, compare, and plan before coming to a decision of which Medicare Supplemental Insurance policy to choose.

Choosing the right supplementary plan can be difficult.  The right plan must be chosen and include the right benefits at the right premiums.  In this day and age people over 65 would find it incredibly difficult to cope without health care coverage; with the gaps left within Medicare Part A and Part B some participants in Michigan will end up paying a fortune out of pocket for additional expenses if not purchasing a supplemental plan.

Medicare Supplemental Insurance is an indispensable instrument in ensuring health security for your future. Call a Supplemental Insurance Broker in Michigan today.

Learn more about Michigan Medicare Supplemental Insurance rates, plans, and more at http://www.emedicare-supplemental-insurance.com/michigan.  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 888.404.5049 today!

Shopping for Medicare Supplemental Insurance Coverage in Michigan

Medicare is health insurance provided at a federal level to citizens who are 65 years or older. It may also help with the costs for younger people who have disabilities, and individuals who have End-Stage Renal Disease.

Medicare is divided into sections to provide expense coverage for different services, but many find that it fails to meet all of their needs. Michigan Medicare Supplement plans & rates can vary depending on your situation, so the best place to find coverage suitable for you is to start at the official Medicare sites.

These programs will provide some assistance to those Medicare beneficiaries to help cover the costs of Original Medicare Part A and B, as well as copayments, deductibles, and coinsurance. However, they cannot be used to cover the costs associated with Medicare Part C.

Medicare has ten standardized Medicare Supplement plans available in 47 states, of which Michigan is one. Each plan can be identified by one of 10 following letters (A,B,C,D,F,G,K,L,M and N). Plans ending with the same letter provide the same benefits.

Those who have already enrolled in Original Medicare Part A and Part B are eligible for Medigap in Michigan.  The best time to start is on the first day you turn 65 and have been enrolled in Medicare Part B.

There is a six month period for enrollments during which time you cannot be denied coverage because of medical underwriting or health status. A few insurance companies will enforce a six-month waiting period before you can claim for pre-existing conditions.

Please be aware that Medigap in Michigan is not a replacement for Medicare, as it is purely a supplement that provides extra coverage. You will still need to continue payments into your Medicare Part B premium to remain eligible.

It’s also worth noting that Michigan plans also do not offer coverage for prescription drugs. If you need these, you should consider enrolling in the stand-alone Medicare Part D plan.

Learn more about Michigan Medicare Supplemental Insurance rates, plans, and more at http://www.emedicare-supplemental-insurance.com/michigan.  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 888.404.5049 today!

Purchasing Medicare Supplemental Insurance in Michigan

Michigan Supplemental Insurance

manistique-Medicare

Medicare Supplemental Insurance also referred to as Medigap policies is health insurance sold by private insurance companies to fill the “gaps” in original Medicare. When you buy a Medigap policy in Michigan, you pay a premium to the insurance company for your plan. The policy will be automatically renewed each year as long as you pay your premium, unless the policy was purchased before 1991. To purchase a Medigap policy one must have Medicare Part A and Part B.

This supplemental insurance can be a great option for people who want extra benefits, want to minimize their out-of-pocket costs, and can afford to pay a monthly Medigap premium in Michigan. Original Medicare pays for many health care services, but it does not pay for all health care costs. There are certain costs that one must still pay, including coinsurance, co-payments, and deductibles. These costs are “gaps” in Medicare coverage. You may want to buy a Medigap policy to cover these gaps in Medicare coverage and save money on your out-of-pocket costs. Some Medicare supplemental insurance also provides extra benefits that aren’t covered by Medicare, Such as routine annual check-ups and emergency health care while traveling outside the United States.

A person under age 65 and already has Medicare may purchase a Medigap policy at any time. In Michigan, insurance companies who sell major medical policies must offer plans A and C to people under 65 with Medicare. Any company selling only supplemental insurance is not required to sell the A and C plans to people under age 65 who have Medicare due to a disability. However, most companies are allowed to charge more because of past or present health conditions. They may also require a six-month pre-existing condition waiting period before they will cover certain health conditions.

 Medicare Advantage

Medicare Advantage plans generally cover many of the same benefits as Medigap policies. For this reason, you should not have a Medigap policy and a Medicare Advantage Plan at the same time. Medicare advantage plans may have lower premiums than Medigap policies. However, you may have yo use a network of providers and pay different co-payments, coinsurance, or deductibles than people with original Medicare.

In conclusion, beneficiaries must understand that Medigap in Michigan is meant to supplement original Medicare, not replace it. A person has to remain enrolled in original Medicare for your hospital and medical coverage, and you’ll need to keep paying your Medicare Part B premium. Medigap plans in Michigan do not offer prescription drug coverage, so if you want to receive such coverage, you may want to consider enrolling in a stand-alone Medicare part D prescription drug plan.

Check out our website at www.emedicare-supplemental-insurance.com or call one of our licensed agents today at 1-877-202-9248

Medicare Supplemental Plans in Michigan

Are you sure you know all about Michigan Medicare supplemental insurance plans? One of the foremost reasons why state residents still end up paying huge amounts of money for out-of-pocket costs and deductibles is because they are not fully aware of the different plans and coverage available with Medicare.

In Michigan, the Department of Insurance allows insurance companies to provide Medicare supplement plans that can help pay some of the healthcare costs that Original Medicare doesn’t cover. Medicare supplement insurance policies are also called Medigap policies because they cover the gaps in the coverage that are not covered by a standard Medicare Policy.

Medicare beneficiaries in Michigan who are enrolled in Original Medicare (Part A & B) may find that the plans do not cover all of their health costs. However, Medicare recipients in Michigan may choose to opt in a Medicare supplement plans, which may cover costs such as copayments, deductibles, coinsurance, and other expenses.

These plans, however, can’t be used to pay for Medicare Advantage (Medicare Part C) expenses. These plans are identified by alphabet letters (A, B, C, D, F, G, K, L, M, and N), with plans of the same letter providing the same benefits. Three states, Minnesota, Wisconsin, and Massachusetts, offer different types of standardized Medigap plans.

If you are below 65 years, your choices of Medicare supplement policies are generally limited to a Medicare supplement Plan A or C. There are a limited number of health carriers that offer Plans A and C to persons below 65 years. Companies that offer Plans A and C seniors below 65 years are allowed to charge those individuals more for the coverage.

  • Plan A includes only the essential core benefits.
  • Plan B covers the basic core benefits and the Medicare Part A deductible.
  • Plan C covers the core benefits, the Medicare Part A deductible, proficient nursing facility care, Medicare Part B deductible, and medically required emergency care in a foreign country.
  • Plan D includes the basic core benefits, the Medicare Part A deductible, proficient nursing facility care and medically required emergency care in a foreign country.
  • Plan F includes the core benefits, the Medicare Part A deductible, proficient nursing facility care, Medicare Part B deductible, 100% of the Medicare Part B excess charges, and medically necessary emergency care in a foreign country.
  • Plan F allows a high-deductible version in which beneficiaries pay a predetermined deductible amount before the plan begins coverage. This amount may change from year to year.
  • Plan G includes the basic benefits, the Medicare Part A deductible, proficient nursing facility care, and 100% of the Medicare Part B excess charges.
  • Plan K includes the core benefits. Plan K only provides 50% of the cost sharing for Medicare Part A covered hospice expenses and the first three pints of blood. It also only pays 50% of the Part B coinsurance after you meet your annual deductible.
  • Plan L includes the core benefits. Plan L only provides 75% of the cost sharing for Medicare Part A covered hospice expenses and the first three pints of blood.
  • Plan M includes the core benefits, 50% of the Medicare Part A deductible, skilled nursing facility care and medically necessary emergency care in a foreign country.
  • Plan N also includes the core benefits, 100% of the Medicare Part B coinsurance and up to $20 on emergency visits that do not result in an inpatient admission.

Medicare Supplement plans in Michigan that are denoted with the same letter do not vary in coverage or benefits, as explained above. However, each insurance company that offers Medicare Supplement plans can set their premiums, so costs may differ. This implies that a resident of Washtenaw County may pay more or less than a resident of Wayne County for the same Medicare Supplement plan. By keeping the changes in expenses in mind, it will be a nice idea to compare all Medicare Supplement plans in your county to choose a Medigap plan in Michigan that fits your requirements.

Learn more about Michigan Medicare Supplemental Insurance plans, rates and more at http://www.emedicare-supplemental-insurance.com/michigan.  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 888.404.5049 today!

 

Medicare Supplemental Insurance in Michigan

Medicare is a benefit millions of people take advantage of, but it can be confusing to figure out which one is best for you and your loved ones. Medicare continues to cover hospital and doctor’s visits for older Americans and includes preventative care and prescription drugs, but many people do not know what is covered by their Medicare or how much they are paying in.  Expenses such as out-of-pocket costs, premium amounts, prescription drugs coverage or if they qualify for free services are benefits that Medicare enrollees are unsure about.

Medicare supplement insurance plans in Michigan

There are several types of Medicare plans that are available to participants in Michigan:  Original Medicare Part A and Medicare Part B as well as the Medicare Advantage Plan.  When a Medicare enrollee chooses Original Medicare Part A and Part B, they also have the option of choosing a supplement plan to cover the costs not covered.

Medicare beneficiaries in Michigan may enroll one of the ten plans that enhance the coverage that they receive with Medicare Part A and Part B as it stands alone.

Coverage is as follows:

  • Original Medicare, Part A and Part B are offered and administered by the federal government. They are available to eligible beneficiaries in every state in the country.
  • Medicare Part A provides inpatient hospital,  nursing home care, skilled nursing facility, home health, and hospice care
  • Medicare Part B covers physician visits, medical services, and durable medical equipment.
  • Medicare Advantage Plans cover all the services except for hospice care but may offer extra coverage such as vision, hearing, dental, wellness programs, and potentially prescription drug coverage.
  • Medicare supplement insurance, otherwise known as Medigap, covers a percentage of deductibles, copayments, coinsurance, and in certain cases foreign travel emergency health care.

In order to qualify for Medicare you need to be a United States citizen or legal, permanent resident of at least five continuous years to qualify for Medicare or meet additional requirements set forth by the federal government.  You can also qualify for Medicare if you have end-stage renal disease or you have amyotrophic lateral sclerosis – ALS, or Lou Gehrig’s disease where your disability benefits begin regardless of age from the first month you enroll.

Selecting your Medical coverage should be a simple and easy process, but unfortunately in most cases, it’s not. Everyone may not have the same needs or wants when it comes to picking the right Medicare supplement insurance plan. If you are uncertain which Michigan Medicare supplemental insurance plan to choose from contact a Michigan Medicare supplemental insurance broker as they are nationally-licensed agents ready to help you shop for Medicare supplement plans at the best possible rates.  This will make a very complex process as easy as possible. Medicare supplemental insurance brokers will also assist you in completing an application to enroll in Medicare supplement coverage.

Learn more about Michigan Medicare Supplemental Insurance plans, rates and more at http://www.emedicare-supplemental-insurance.com/michigan.  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 888.404.5049 today!

2017 Medicare Supplement Plans in Michigan

What is Medicare?

Medicare is a federally sponsored insurance health program for individuals who are 65 and above, younger individuals with disabilities, and individuals suffering from End-Stage Renal Disease such as ESRD (permanent kidney failure, that requires dialysis). There are various kinds of Medicare supplement plans and each of them offers a different range of services. The best Medicare supplement plan is chosen according to the situation the enrollee is both financially and medically.

Medicare Insurance Plans MI

Medicare supplement plans are available through various health care providers and can be purchased through private insurance companies that are Medicare approved.  Companies offer a variety of supplement plans in Michigan.   It is important to note that although Medicare rates may depend on the county in which you reside the coverage with Medicare supplemental plans is the same no matter where it is purchased.  Medicare plan A bought in Livingston County offers participants the same exact coverage that plan A bought in Chippewa County.

Medicare supplemental insurance is designed to help enrollees cover coinsurance, deductibles, and copayments that are left from enrolling in only Medicare Part A and Medicare Part B.  Once you have chosen the perfect Medicare plan both your Medicare plan and supplemental insurance plan will help pay for medical expenses. This helps lower out of pocket costs while offering enrollees peace of mind that their health insurance needs are being met

Here is a brief description of some of the plans that are available in Michigan & the coverage provided by the different plans:

Plan A Coverage

  • Part A coinsurance coverage for an entire year and additional days after are covered for the individual after Medicare Benefits run out
  • Part B coinsurance coverage
  • Hospice coinsurance
  • Three pints of blood every year

Plan C Coverage

  • Hospital deductible for inpatient services
  • Part A coinsurance coverage for an entire year and additional days after are covered for the individual after Medicare Benefits run out
  • Part B coinsurance coverage
  • Hospice coinsurance
  • Three pints of blood every year
  • Emergency care needs when travel abroad – 80% of the cost will be covered in a case of emergency (in the first 60 days of your trip). After that period has passed you will have to pay $250 deductible, and will be subjected to a $50’000 lifetime maximum; if the coverage is provided in the U.S., it will be covered by Medicare.

Plan F Coverage

  • Hospital deductible for inpatient services
  • Part A coinsurance coverage for an entire year and additional days after are covered for the individual after Medicare Benefits run out
  • Skilled nursing coinsurance
  • Medicare Part B deductibles and coinsurance
  • Hospice coinsurance
  • Emergency care needs when travel abroad – 80% of the cost will be covered in a case of emergency (in the first 60 days of your trip). After that period has passed you will have to pay $250 deductible, and will be subjected to a $50’000 lifetime maximum; if the coverage is provided in the U.S., it will be covered by Medicare.
  • Excess to Part B – the entire excess charge that comes above Medicare’s reasonable charge (in case the medical provider refuses to accept Medicare) as it is subjected to State and Federal mandate limit.

Learn more about Michigan Medicare Supplemental Insurance plans, rates and more at http://www.emedicare-supplemental-insurance.com/michigan.  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 888.404.5049 today!

Comparing Medicare Supplemental Insurance Plans in Michigan

What is Medicare?

Medicare is a federal program that helps individuals covers their medical cost.  The program is dedicated to bringing health insurance primarily senior citizens and those individuals that meet certain Medicare requirements. There are a few Medicare programs available and each offers something different.  Medicare Part A and Part B are referred to as Original Medicare and Medicare Advantage Plans.

What are Medicare Supplemental Insurance Plans?

Supplemental plans are additional health insurance policies that you may purchase from private insurance companies that are authorized to sell them. These plans are designed to help cover the costs not covered under Original Medicare such as deductibles, healthcare outside the U.S.A, and co-payments. Supplemental plans do not cover long term care, or vision, dental, hearing aids, or private nursing. Only Medicare Plan D covers prescription drugs.

Who is Eligible for Medicare Supplemental Insurance?

Supplemental insurance is only available for individuals who have already subscribed to Medicare Part A, which covers hospital services, and Part B, which covers doctors cost. Individuals with Medicare Advantage plan are not allowed to take on any Medigap plan.

There is a range of Plans that Medicare participants in Michigan can choose from including:

Michigan Medicare Supplemental Insurance Plan A

Plan A is the most basic plan. It helps pay your coinsurance for Original Medicare and allows you to see any doctor that accepts Medicare insurance.

Features

  • Basic Benefits
  • Pays Part A Hospital Deductibles
  • Pays Part B Medical Deductibles
  • Allows you to see any doctor that accepts Medicare

Michigan Medicare Supplemental Insurance Plan C

Plan C covers more out of pocket expenses than Plan A but not as much as Plan F.  With this plan you will need to pay for Medicare Part B’s excess charges. You have the option to enroll in Plan C if you will are no longer be insured because you have qualified for Medicare.

Features

  • Most Benefits
  • Skilled Nursing
  • Emergency Care when Traveling Outside of the US
  • Covers Part A Hospital Deductibles at 100%
  • Covers Part B Medical Deductibles at 100%
  • Allows you to see any doctor that accepts Medicare

Michigan Medicare Supplemental Insurance Plan F

Plan F is a complete plan. It pays for most of the out of pocket costs you might face with Original Medicare. In addition, it includes the more benefits than any other supplemental plan.

Features

  • The most Benefits
  • Skilled Nursing
  • Emergency Care when Traveling Outside of the US
  • Covers Part A Hospital Deductibles at 100%
  • Covers Part B Medical Deductibles at 100%
  • Allows you to see any doctor that accepts Medicare

Michigan Medicare Supplemental Insurance Plan N

This helps you cover more out of your pocket costs than Plan A but it does not cover as much as Plan F.  With this plan you will have to pay a co-pay whenever you visit a doctor.   The cost can be up to $20 for each visit.

Features

  • Enhanced Benefits
  • Skilled Nursing
  • Emergency Care when Traveling Outside of the US
  • Covers Part A Hospital Deductibles at 100%
  • Plan B medical deductible, you pay $183
  • Allows you to see any doctor that accepts Medicare

Learn more about Michigan Medicare Supplemental Insurance plans, rates and more at http://www.emedicare-supplemental-insurance.com/michigan.  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 888.404.5049 today!