Best Medicare Supplement Plans in Michigan (2026)

Key Takeaways

Plans A, D, G and N from Farm Bureau offer Michigan's cheapest Medicare Supplement rates among the state's most popular policies, with monthly savings from $99 to $144 compared to average state rates.

SilverScript, Paramount, Transamerica and Everence provide the most affordable options for Plans B, C, F, K, L and M in Michigan.

At age 65, Michigan residents pay $37 to $601 monthly for Medicare Supplement coverage based on which plan type they choose.

Best Cheap Medicare Supplement Companies in Michigan

Monthly premiums for Medicare Supplement plans in Michigan range from $97 to $183 for seniors aged 65, offering strong financial protection at reasonable rates. Our analysis identified the lowest-cost providers across all 10 standardized plan types, revealing multiple affordable options for Michigan residents.

Farm Bureau has the best rates across four popular plans, with Plan N at $98 per month, Plan A at $97 per month, Plan D at $121 per month and Plan G at $125 per month. SilverScript provides Plans B and F, while Paramount offers Plan C coverage. Transamerica handles Plans K and M, and Everence covers Plan L with competitive pricing. These low-cost options save Michigan seniors $0 to $162 per month compared to average state rates.


Farm Bureau Insurance	A	$97	$99	Attained Age Pricing
SilverScript	B	$152	$97	Attained Age Pricing
Paramount	C	$169	$162	Attained Age Pricing
Farm Bureau Insurance	D	$121	$144	Attained Age Pricing
SilverScript	F	$177	$147	Attained Age Pricing
Farm Bureau Insurance	G	$125	$129	Attained Age Pricing
Transamerica	K	$100	$15	Issue Age Pricing
Everence Association Inc.	L	$136	$44	Issue Age Pricing
Transamerica	M	$183	$0	Issue Age Pricing
Farm Bureau Insurance	N	$98	$125	Attained Age Pricing

*These rates reflect Medigap premiums for 65-year-olds.

Farm Bureau

MoneyGeek Rating

4.0/ 5

4.9/5Affordability

3.6/5Pricing Style

2.7/5Plan Availability

Average Plan G Rate
$125
Plan Types
A, D, G, N

pros
- Best Plan A rates in Michigan ($97 a month)
- Best Plan D rates in Michigan ($121 a month)
- Best Plan N rates in Michigan ($98 a month)
cons
- Attained Age Pricing means your premiums increase with age
- Doesn't offer Plans B, C, F, K, L or M
Farm Bureau's roots in Michigan's agricultural communities give it a unique edge in the Medicare Supplement market. The company beats state averages across its four plan options, with rates that save seniors real money every month.

Plan A costs just $97 monthly through Farm Bureau, the lowest rate in Michigan. Plan N runs $98 per month, while Plans D and G come in at $121 and $125 respectively. These prices undercut state averages by $99 to $144, putting Farm Bureau among the state's most budget-friendly choices for Medigap coverage.

Your premiums will rise as you age with Farm Bureau's Attained Age Pricing model. But the company's network of local agents provides personalized support that makes navigating Medicare easier. These community-based advisors know Michigan seniors' needs and walk you through enrollment step by step.

Farm Bureau holds an A (Excellent) rating from AM Best, which measures financial strength. This rating means the company has solid reserves to pay claims when you need coverage most.

SilverScript

MoneyGeek Rating

4.1/ 5

4.8/5Affordability

3.6/5Pricing Style

2.8/5Plan Availability

Average Plan G Rate
$154
Plan Types
A, B, F, G, N

pros
- Plan B costs just $152 monthly (lowest in Michigan)
- Plan F runs $177 per month (best rate statewide)
- Earns good financial stability ratings
cons
- Premiums rise as you age (Attained Age Pricing)
- Doesn't sell Plans K or L
- Missing high-deductible Plan G
SilverScript operates as a CVS Health subsidiary in Michigan's Medicare Supplement market. Most people recognize the company for Medicare Part D prescription drug plans, but it also sells five Medigap plan types: A, B, F, G and N.

The company leads Michigan for Plan B pricing at $152 monthly, which runs $97 below the state average. Plan F costs $177 per month, saving seniors $147 compared to typical rates. Monthly premiums span from $111 to $221 depending on which plan you choose.

Your premiums will increase as you age because SilverScript uses Attained Age Pricing. This differs from level premium structures that stay consistent throughout your lifetime.

Access to CVS Health's pharmacy network creates easy coordination between your supplement coverage and prescription needs. You can manage both through connected services.

SilverScript earns an AM Best rating of A (Excellent) for financial stability. The company sells fewer plan options than some Michigan competitors.

Paramount

MoneyGeek Rating

4/ 5

4.8/5Affordability

3.6/5Pricing Style

2.7/5Plan Availability

Average Plan G Rate
$153
Plan Types
A, C, F, G, N

pros
- Michigan's cheapest Plan C at $169 monthly
- Offers A, C, F, G and N plans
- AM Best rating of A- (Excellent)
cons
- Your premiums climb every year as you age
- Missing Plans K, L and M
- Limited plan variety compared to competitors
Paramount sells Medicare Supplement insurance to Michigan seniors as a local provider. The company focuses on state residents rather than operating nationwide.

Plan C costs $169 per month through Paramount, which beats competitors by $162. You can choose from five plans (A, C, F, G and N), with monthly costs ranging from $129 to $235 for new members.

Expect your premiums to increase each year. Paramount prices policies based on your age, so costs rise as you get older.

The company connects you to many Michigan health care providers and includes wellness programs with your coverage. These extras add value beyond standard Medigap benefits.

Paramount holds an AM Best rating of A- (Excellent), which measures financial strength and ability to pay claims.

Transamerica

MoneyGeek Rating

4.6/ 5

4.8/5Affordability

4.6/5Pricing Style

4.4/5Plan Availability

Average Plan G Rate
$220
Plan Types
A, B, C, D, F, G, K, L, M, N

pros
- Michigan's cheapest Plan K at $100 monthly
- Lowest Plan M rates at $183 per month
- AM Best rating of A (Excellent)
cons
- Fewer plan options than some competitors
- Your premiums climb each year as you age
- Higher-tier plans can get expensive
Transamerica sells all 10 standardized Medicare Supplement plans in Michigan: A, B, C, D, F, G, K, L, M and N. This gives you more choices than most insurers operating in the state.

Plan K costs $100 monthly through Transamerica, running $15 below other Michigan options. Plan M runs $183 per month. Monthly premiums span from $100 to $520 depending on which plan you pick.

Your costs will rise as you age. Transamerica prices policies based on your current age, so expect annual increases. You can customize coverage to match your health care needs and budget. Choose basic protection with Plans K and L, or get comprehensive benefits through Plans F and G.

Transamerica holds an AM Best rating of A (Excellent), which measures its financial strength and ability to pay claims over time.

Everence

MoneyGeek Rating

4.1/ 5

4.7/5Affordability

3.7/5Pricing Style

3.1/5Plan Availability

Average Plan G Rate
$226
Plan Types
A, C, F, G, L, N

pros
- Michigan's cheapest Plan L at $136 monthly
- Sells six plans including A, C, F, G, L and N
- Faith-based organization with community programs
- Maintains stable financial ratings
cons
- Your premiums climb each year as you age
- Missing high-deductible Plan G
- Limited plan variety compared to larger insurers
Everence operates as a faith-based insurer in Michigan's Medicare Supplement market. The company focuses on stewardship values while serving state seniors.

Plan L costs $136 per month through Everence, beating competitors by $44. This appeals to people who want cost-sharing coverage with capped out-of-pocket expenses.

The company sells six plans (A, C, F, G, L and N), with monthly costs ranging from $136 to $511 for 65-year-olds. Expect annual premium increases as you age. Everence prices policies based on your current age rather than the age when you first enrolled.

The company connects members to faith-based resources and community support beyond standard insurance benefits. These programs reflect Everence's religious foundation and commitment to member well-being.

Everence maintains stable financial health, though specific AM Best ratings aren't publicly available.

Find Michigan Medicare Supplement Plans That Fit Your Needs

These top picks won't work for everyone. Filter the table below to match your health needs and budget.

Data filtered by:


Farm Bureau Insurance	G	No	65	$125	$0	No Data
State Farm	G	No	65	$139	$0	No Data
Paramount	G	No	65	$153	$0	No Data
SilverScript	G	No	65	$154	$0	No Data
MedMutual Protect	G	No	65	$162	$0	No Data
Blue Cross Blue Shield	G	No	65	$168	$0	No Data
McLaren Health Plan Inc	G	No	65	$171	$0	No Data
USAA	G	No	65	$179	$0	No Data
Humana	G	No	65	$181	$0	No Data
Philadelphia American	G	No	65	$183	$0	No Data

Michigan Medicare Supplement Plan Cost

At age 65 in Michigan, Medicare Supplement insurance premiums run $115 to $331 a month, depending on the plan letter. Benefits stay the same for a given letter, but prices can vary by insurer.

Plan G is the most common choice and averages $254 per month at a mid-range price. But Plan K is the lowest at $115 monthly, and Plan C is the highest at $331. Plan N runs $223 monthly. Other lower-cost options include Plan L at $180, Plan M at $183 and Plan A at $196.


A	$196	$2352
B	$249	$2988
C	$331	$3972
D	$265	$3180
F	$324	$3888
G	$254	$3048
K	$115	$1380
L	$180	$2160
M	$183	$2196
N	$223	$2676

How to Choose the Best Michigan Medicare Supplement Plan

Medicare Supplement (Medigap) plans in Michigan follow federal standardization, so Plan G covers the same benefits no matter which insurer sells it. So the main difference you’ll see is the monthly premium. Learn what each letter plan pays for, then weigh that premium against the out-of-pocket costs you’ll still have, like deductibles or copays.

Most Comprehensive Coverage

Plan G: Similar to Plan F, covers everything except Part B deductible.
Plan F: Covers all gaps including Part B deductible and excess charges (closed to new members as of 2020).

Best Value Options

Plan D: Good coverage without Part B deductible or excess charges.
Plan N: Extensive benefits with minor copays and lower premiums.

Budget-Friendly Choices

Plan M: Covers 50% of Part A deductible with moderate premiums.
Plan K: Most affordable premiums with 50% cost-sharing and out-of-pocket limit of $8,000.
Plan L: Comparable to Plan K with 75% cost-sharing and lower out-of-pocket limit of $4,000.

Premium Coverage

Plan C: Covers Part B deductible and foreign travel emergency coverage (not available for new enrollees as of 2020).

Learn More: What Does Medicare Cover and Not Cover?

How to Find the Best Michigan Medicare Supplement Company

After choosing a plan type, compare Michigan providers using these benchmarks.

1
Customer Satisfaction and Complaints
Review J.D. Power scores and NAIC complaint data before picking an insurer. These numbers show which companies pay claims quickly and which ones frustrate customers with delays. High complaint ratios mean you'll waste time fighting for coverage you already paid for.
2
Plan Pricing
The same plan costs different amounts depending on the insurer. Price differences can hit hundreds of dollars per year. Compare quotes from multiple companies to find better rates. Look at total costs including premiums and any fees, not just the monthly price.
3
Added Benefits
Gym discounts, vision benefits and wellness programs sweeten some policies. These add-ons only matter if you'll use them. A free gym membership saves nothing if you hate working out. Match perks to your actual habits, not your aspirations.

Michigan Medicare Resources

Michigan beneficiaries considering Medigap plans can turn to these organizations:

Michigan Medicare/Medicaid Assistance Program (MMAP): MMAP offers no-cost health benefit counseling through certified volunteers trained in Medicare and Medicaid regulations. Counselors assist with plan comparisons, enrollment and fraud detection through the Senior Medicare Patrol program. Services are available at Area Agencies on Aging locations statewide. Call (800) 803-7174 to schedule appointments or arrange community presentations.
Michigan Department of Insurance and Financial Services (DIFS): Submit complaints online or contact DIFS at (877) 999-6442, Monday through Friday, 8 a.m. to 5 p.m. Mail written complaints to P.O. Box 30220, Lansing, MI 48909. The Office of Consumer Services investigates disputes and answers policy questions but cannot act as legal representation.
16 Area Agencies on Aging: Michigan's agencies coordinate over 1,200 service providers delivering in-home care, meal programs, transportation and caregiver support across all 83 counties. Agencies operate under the Aging and Adult Services Agency and serve as gateways to local aging resources.
Medicare.gov: Search plans by ZIP code. Michigan allows insurers to use any rating method (attained-age, issue-age or community rating) for Medigap premiums.

Medicare Supplement Plans in Michigan: FAQ

These are answers to common questions about Medigap coverage in Michigan.

What does Medigap cover in Michigan?

Medigap handles the gaps in Original Medicare by covering Part A and Part B deductibles, coinsurance, copayments, and the first three pints of blood. Select plans also provide coverage for Part B excess charges, skilled nursing facility coinsurance and foreign travel emergencies. However, Medigap excludes prescription drugs, dental, vision and long-term care services.

Are Medicare Supplement plans worth it?

Medigap plans work well if you want predictable costs and the ability to see any doctor who accepts Medicare. They make sense for people with chronic conditions, frequent medical appointments or limited emergency savings. If you're healthy and have money set aside for surprise medical bills, Original Medicare's lower premiums might cover your needs.

When can I enroll in Medigap plans in Michigan?

You can enroll in Medigap plans in Michigan at any time throughout the year. However, the optimal enrollment period is your six-month enrollment window, which begins when you turn 65 and enroll in Medicare Part B. During this initial enrollment period, insurance companies must accept you regardless of pre-existing health conditions and cannot charge higher premiums based on your medical history.

Can I switch from Medicare Advantage to Medigap in Michigan?

Yes, you can switch from Medicare Advantage to Medigap in Michigan, but insurers will evaluate your health and may deny coverage or charge higher premiums based on your medical conditions. The ideal time to make this change is during your Medigap Open Enrollment Period when you turn 65, as you receive guaranteed coverage rights. Outside this window, protection from denial becomes limited to specific qualifying circumstances.

Our Review Methodology

MoneyGeek collected data for all Medicare plans in Michigan for 65-year-olds and 75-year-olds, using the plan browsing tool at Medicare.gov. Unless otherwise noted, the data in this article references quotes pulled for 65-year-olds in the state.

We scored Medigap companies in Michigan based on three main categories to create a weighted score out of 5:

Affordability (50%): Providers with the lowest monthly cost score higher.
Pricing style (20%): Medigap insurers use three methods to determine premiums: Community Pricing, Issue-Age Pricing and Attained Age Pricing. We gave higher scores for pricing styles that are more stable and equitable, as follows: Community Pricing 1.0, Issue-Age Pricing 0.8, Attained-Age Pricing 0.6. Using this scaling, a slightly higher-cost community-rated plan can still score higher overall than a cheaper but more volatile attained-age plan.
Plan availability (30%): Providers with a wider range of plan types score higher, with weighted scoring given to the most popular plan types like Plan G, Plan F and Plan N.

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

He writes about economics and insurance, breaking down complex topics so people know what they're buying.

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Best Medicare Supplement Plans in Michigan (2026)

Best Cheap Medicare Supplement Companies in Michigan

Find Michigan Medicare Supplement Plans That Fit Your Needs

Michigan Medicare Supplement Plan Cost

How to Choose the Best Michigan Medicare Supplement Plan

How to Find the Best Michigan Medicare Supplement Company

Michigan Medicare Resources

Medicare Supplement Plans in Michigan: FAQ

What does Medigap cover in Michigan?

Are Medicare Supplement plans worth it?

When can I enroll in Medigap plans in Michigan?

Can I switch from Medicare Advantage to Medigap in Michigan?

Our Review Methodology

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