The Best Michigan Medicare Supplement Plans (2022)

There are a total of 10 Medicare Supplement plans available in Michigan with different eligibility requirements. Among several insurers with online quotes for these plans, UnitedHealthcare and Priority Health offer the best Medicare Supplement plans in Michigan.

In Michigan, as well as in other states, you can only buy either a Medigap or a Medicare Advantage plan. Medicare Advantage plans in Michigan replace your entire Medicare plan, including Original Medicare.

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Last Updated: 9/30/2022
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In Michigan, Medicare Supplement plans vary in price and are much more expensive if you are older. A 65-year-old policyholder pays an average of $113 per year, while a 75-year-old pays an average of $208 per year.

To be able to purchase a Medicare Supplement plan in Michigan, you will need to be qualified for Medicare first. Out of 10 options, Plans F, G and N are the most popular as they have the most comprehensive coverage.

On average, Plan F costs $245.61 per year, while Plan G costs $115.10 annually. Only those eligible for Medicare before 2020 can buy these plans. Plan N, the next most popular plan type, costs $115.80 on average. This plan carries the same coverage as F and G, except for Part B excess charges.

To find the best Medicare Supplement plans in Michigan, MoneyGeek ranks all insurers based on average premiums and benefits. Check out how to find the best Medicare Supplement plan if you want to know more about other plan types.

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Best Medicare Supplement Plans in Michigan

Best Medicare Supplement Plan G in Michigan

Priority Health is the best insurer that offers Medigap Plan G in Michigan. On average, a policy from Priority Health costs $127.19 per month.

MoneyGeek’s methodology only includes companies that provide online quotes. There may be other Medicare Supplement plan providers in Michigan with better offers requiring a phone call to provide a quote.

mglogo
MoneyGeek Top Pick
Priority Health
  • MoneyGeek Score: 100 out of 100
  • Average Monthly Rate: $127.19

The average monthly cost of Plan G in Michigan is $153.9. Therefore, monthly premiums for Priority Health’s Plan G are significantly lower than the average.

Aside from household, hearing and vision discounts, Priority Health plans come with Assist America, an emergency travel service that provides medical help while in a foreign country. In addition to medical referrals, it also provides support with monitoring, repatriation and more.

MORE ABOUT PLAN G IN MICHIGAN

Navigate to learn more about Medigap Plan G in Michigan, including how much it costs on average, which providers are available and what it covers.

The Cost of Medicare Supplement Plan G in Michigan

In Michigan, Medicare Supplement Plan G costs $153.9 on average. Depending on your age, provider and discounts, rates may be lower or higher.

For example, Plan G from Blue Cross Blue Shield of Michigan is the cheapest at $101.60. That’s a difference of around $28.50 from the average cost of UnitedHealthcare, the most expensive company in Michigan offering the same plan.

Sort by Age:

65

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  • Company
    Sample Monthly Rate
  • Blue Cross Blue Shield of Michigan
    $102
  • PriorityHealth
    $127
  • UnitedHealthcare
    $130

Providers Offering Plan G in Michigan

In Michigan, there are a total of 44 companies offering Plan G. However, only a few companies provide online quotes.

To find the best Medicare Supplement plan providers in Michigan, MoneyGeek gathered contact information and examined pricing methods for each provider.

Providers Offering Plan G in Michigan

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  • Company
    Contact Number
    Pricing Style
  • Aetna
    800-358-8749
    Attained Age
  • Liberty Bankers
    1-833-504-0331
    Attained Age
  • Assured Life
    877-223-3666
    Attained Age
  • Bankers Fidelity
    1-866-458-7504
    Attained Age
  • Blue Cross Blue Shield of Louisiana
    (225) 295-3307
    Attained Age
  • Central States Health and Life Co. of Omaha
    800-826-6587
    Attained Age
  • Cigna
    1-855-891-9368
    Attained Age
  • Colonial Penn
    1-877-877-8052
    Attained Age

What Does Plan G Cover?

All Medigap policies, including Plan G, have standardized coverage lists and requirements. Plan G covers almost all benefits, except for Part B deductibles.

Priority Health also offers household discounts and foreign travel emergency assistance in their plans, in addition to the standard Plan G coverages.

Required Benefits of Plan G in Michigan
  • Medigap Benefit
    Does Plan G Cover?
  • Part A co-insurance and hospital costs up to an additional 365 days after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    No
  • Part B excess charge
    Yes
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plan F in Michigan

The best Medigap Plan F in Michigan is from Priority Health, which has an average cost of $274.81 per month.

In finding the best insurer for this plan type, MoneyGeek only considered companies that provide online quotes. There may be other Medicare Supplement plan providers in Michigan that offer better rates and plans.

mglogo
MoneyGeek Top Pick
Priority Health
  • MoneyGeek Score: 100 out of 100
  • Average Monthly Rate: $274.81

The average cost of Plan F in Michigan is $245.60 per month. At $274.81 per month, Priority Health’s Plan F is slightly more expensive than average.

Some of the additional unique benefits you can get from Priority Health include household, hearing and vision discounts, along with emergency travel service while in a foreign country.

MORE ABOUT PLAN F IN MICHIGAN

Navigate to learn more about Medigap Plan F in Michigan, including how much it costs on average, which providers are available and what it covers.

The Cost of Medicare Supplement Plan F in Michigan

In Michigan, Medicare Supplement Plan F costs $245.60 on average. Your premiums may be lower or higher based on various factors like age, provider discounts and medical underwriting.

Just choosing the cheapest provider can already help you save money. For example, Plan F from Blue Cross Blue Shield of Michigan is the cheapest at $207.50 on average. That’s around $85.10 cheaper than the $292.60 average cost from UnitedHealthcare, the most expensive insurer in Michigan for the same plan.

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75

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  • Company
    Sample Monthly Rate
  • Blue Cross Blue Shield of Michigan
    $208
  • PriorityHealth
    $275
  • UnitedHealthcare
    $293

Providers Offering Plan F in Michigan

MoneyGeek only gathered quotes from insurers with online quote tools. While there are a total of 44 companies that offer Plan F in Michigan, our findings are limited to Medicare Supplement plan insurers with quotes online.

MoneyGeek gathered contact information from every Medicare Supplement plan provider in Michigan, outlining each provider's pricing methodologies so you can determine which option is best for your needs.

Providers Offering Plan F in Michigan

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  • Company
    Contact Number
    Pricing Style
  • Aetna
    800-358-8749
    Attained Age
  • Liberty Bankers
    1-833-504-0331
    Attained Age
  • Assured Life
    877-223-3666
    Attained Age
  • Bankers Fidelity
    1-866-458-7504
    Attained Age
  • Blue Cross Blue Shield of Louisiana
    (225) 295-3307
    Attained Age
  • Central States Health and Life Co. of Omaha
    800-826-6587
    Attained Age
  • Cigna
    1-855-891-9368
    Attained Age
  • Colonial Penn
    1-877-877-8052
    Attained Age

What Does Plan F Cover?

Plan F is the most comprehensive Medicare Supplement plan available, covering all Part A and B coinsurance, deductibles and excess charges. Depending on your provider, they may offer additional benefits. Priority Health, for example, includes household discounts and foreign travel emergency assistance in their plans.

Required Benefits of Plan F in Michigan
  • Medigap Benefit
    Does Plan F Cover?
  • Part A co-insurance and hospital costs up to an additional year after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    Yes
  • Part B excess charge
    Yes
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plan N in Michigan

In Michigan, the best Medigap Plan N is from UnitedHealthcare at an average cost of $109.19 per month. Note, however, that MoneyGeek only ranked companies that provide online quotes. There may be Medicare Supplement plan providers in Michigan who do not have online quotes that offer better rates and plans for your needs.

mglogo
MoneyGeek Top Pick
UnitedHealthcare
  • MoneyGeek Score: 100 out of 100
  • Average Monthly Rate: $109.19

UnitedHealthcare’s Plan N is significantly cheaper than $154.80 per month, the average cost of Plan N in Michigan. In addition to household, hearing and vision discounts, it also comes with an emergency travel service while you’re in a foreign country.

MORE ABOUT PLAN N IN MICHIGAN

Navigate to learn more about Medigap Plan N in Michigan, including how much it costs on average, which providers are available and what it covers.

The Cost of Medicare Supplement Plan N in Michigan

In Michigan, Medicare Supplement Plan N costs $154.80 on average. Based on age, provider discounts and medical underwriting factors, these average rates may be lower or higher than your actual rate.

Between the cheapest and most expensive providers, there’s a difference of around $17.60 per month. On average, Plan N from UnitedHealthcare is the cheapest at $109.20 for 65-year-olds, while Blue Cross Blue Shield of Michigan is the most expensive at $126.80.

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65

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  • Company
    Sample Monthly Rate
  • UnitedHealthcare
    $109
  • PriorityHealth
    $111
  • Blue Cross Blue Shield of Michigan
    $127

Providers Offering Plan N in Michigan

In Michigan, there are a total of 44 companies offering Plan N. However, not all of them provide online quote tools for their plans.

To find the best option, MoneyGeek collected contact information from all Medicare Supplement plan providers in Michigan to investigate their pricing methods.

Providers Offering Plan N in Michigan

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swipe icon
  • Company
    Contact Number
    Pricing Style
  • Aetna
    800-358-8749
    Attained Age
  • Liberty Bankers
    1-833-504-0331
    Attained Age
  • Assured Life
    877-223-3666
    Attained Age
  • Bankers Fidelity
    1-866-458-7504
    Attained Age
  • Blue Cross Blue Shield of Louisiana
    (225) 295-3307
    Attained Age
  • Central States Health and Life Co. of Omaha
    800-826-6587
    Attained Age
  • Cigna
    1-855-891-9368
    Attained Age
  • Colonial Penn
    1-877-877-8052
    Attained Age

What Does Plan N Cover?

Plan N covers almost all standard coverage and benefits, except for Part B deductibles and excess charges. It covers up to 80% of foreign travel exchange plans within your plan limits.

UnitedHealthcare plans offer several unique benefits in addition to the standard coverage list. The unique Renew Active feature provides free access to premium gyms, and UnitedHealthcare offers dental, vision and hearing discounts as well.

Required Benefits of Plan N in Michigan
  • Medigap Benefit
    Does Plan N Cover?
  • Part A co-insurance and hospital costs up to an additional year after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    No
  • Part B excess charge
    No
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plans in Michigan: Other Plan Types

Besides Plans F, G and N, there are seven other plan types approved by Medicare. However, these plans are less popular due to having less comprehensive coverage.

Based on affordability and coverage, the best Medicare Supplement provider in Michigan for most letter plans is UnitedHealthcare, while Priority Health is our top pick for all others. In addition, Blue Cross Blue Shield of Michigan also offers quotes online for Medigap plans in Michigan.

If you’ve been approved for Medicare after January 1, 2020, you will not be able to purchase Plan C in Michigan or elsewhere.

The Best Medicare Supplement in Michigan - Alternate Plans
  • Plan Type
    Best Plan
    Monthly Cost
  • A

    UnitedHealthcare

    $79.60

  • B

    UnitedHealthcare

    $135.42

  • C

    Priority Health

    $261.70

  • D

    Priority Health

    $123.66

  • F

    Priority Health

    $274.81

  • G

    Priority Health

    $127.19

  • K

    UnitedHealthcare

    $52.15

  • L

    UnitedHealthcare

    $96.99

  • N

    UnitedHealthcare

    $109.19

How to Find the Best Medicare Supplement Plans in Michigan

Medigap insurance plans in Michigan can be a confusing topic. MoneyGeek collected and analyzed various plans with different pricing options. We compared this in a chart to help you more easily find the best Medicare Supplement plans in Michigan.

Michigan Medicare Supplement Plans Comparison Chart

All 10 plan types have different eligibility requirements and varying levels of coverage.

New enrollees, for example, are not eligible for plan types F and C but will be able to purchase Plans G and D.

MoneyGeek’s chart compares coverages and average rates for these plan types.

Medicare Supplement Comparison Chart
Coverage
A
B
C
D
F
G
K
L
M
N

Part A co-insurance and hospital costs up to an additional 365 days after Medicare benefits are used up

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Part B co-insurance or copayment

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Blood (first 3 pints)

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Part A hospice care co-insurance or copayment

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Skilled nursing facility care co-insurance

No

No

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Part A deductible

No

Yes

Yes

Yes

Yes

Yes

50%

75%

50%

Yes

Part B deductible

No

No

Yes

No

Yes

No

No

No

No

No

Part B excess charge

No

No

No

No

Yes

Yes

No

No

No

No

Foreign travel exchange (up to plan limits)

No

No

80%

80%

80%

80%

No

No

80%

80%

The Cost of Medicare Supplement Plans in Michigan

The cost of Medicare Supplement plans varies substantially based on the plan and company. The following are the most common pricing styles in Michigan:

  • Issue-Age: While your age is a consideration when making your first purchase, it does not change your rates as you get older. Issue-age is the most popular pricing structure in this state.
  • Community-Rated: With community-rated plans, all policyholders pay the same price for the same plan type. Plans D and M are the exceptions.
Average Cost of Medicare Supplement in Michigan

Sort by Plan Letter:

65

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  • Company
    Sample Monthly Rate
  • UnitedHealthcare
    $80
  • PriorityHealth
    $95
  • Blue Cross Blue Shield of Michigan
    $119

FAQs About Medicare Supplement Plans in Michigan

To improve your knowledge and understanding of this topic, take a look at the answers to some of the frequently asked questions about Medicare Supplement plans in Michigan.

Methodology

MoneyGeek collected data from the biggest Medicare Supplement/Medigap providers in Michigan for 65-year-olds and 75-year-olds. Plans were only rated as one of the best if we could obtain an accurate quote from the provider online.

MoneyGeek’s scoring system weighted affordability 75% and benefits 25%. A Medigap provider received 5% for every benefit, up to a maximum of 25%.

About the Author


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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.


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