Best Medicare Supplement Plans in Michigan (2026)

Updated: May 7, 2026

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Key Takeaways
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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.

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

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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

Michigan seniors aged 65 can find Medicare Supplement coverage starting at $97 per month, with monthly premiums reaching up to $183 depending on the plan. We analyzed all 10 standardized plan types to identify the lowest-cost providers available to Michigan residents.

Farm Bureau has the lowest rates across four popular plans: Plan A at $97, Plan N at $98, Plan D at $121 and Plan G at $125 per month. SilverScript covers Plans B and F, Paramount covers Plan C, and Transamerica covers Plans K and M. Everence covers Plan L at competitive rates. Choosing one of these providers could save Michigan seniors up to $162 per month compared to the state average.

Farm Bureau InsuranceA$97$99Attained Age Pricing
Farm Bureau InsuranceN$98$125Attained Age Pricing
TransamericaK$100$15Issue Age Pricing
Farm Bureau InsuranceD$121$144Attained Age Pricing
Farm Bureau InsuranceG$125$129Attained Age Pricing
Everence Association Inc.L$136$44Issue Age Pricing
SilverScript B$152$97Attained Age Pricing
Paramount C$169$162Attained Age Pricing
SilverScript F$177$147Attained Age Pricing
TransamericaM$183$0Issue Age Pricing

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

Farm Bureau

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
SilverScript

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
Paramount

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
Transamerica

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
Everence

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

Find Michigan Medicare Supplement Plans That Fit Your Needs

Not every top pick will match your situation. Use the filters below to sort by plan type, age and budget.

Data filtered by:
G
Select
No
Farm Bureau InsuranceGNo65$125$0No Data
State FarmGNo65$139$0No Data
Paramount GNo65$153$0No Data
SilverScript GNo65$154$0No Data
MedMutual ProtectGNo65$162$0No Data
Blue Cross Blue ShieldGNo65$168$0No Data
McLaren Health Plan IncGNo65$171$0No Data
USAAGNo65$179$0No Data
HumanaGNo65$181$0No Data
Philadelphia American GNo65$183$0No 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.

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

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.

    healthInsurance icon
    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).
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    Best Value Options
    • Plan D: Good coverage without Part B deductible or excess charges.
    • Plan N: Extensive benefits with minor copays and lower premiums.
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    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.
    healthInsurance icon
    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. 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. 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. 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): Free counseling through certified volunteers trained in Medicare and Medicaid regulations. Counselors help with plan comparisons, enrollment and fraud detection through the Senior Medicare Patrol program. Find services at Area Agencies on Aging locations statewide or call (800) 803-7174 to schedule an appointment or community presentation.
  • Michigan Department of Insurance and Financial Services (DIFS): Submit complaints online or call (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 can't provide legal representation.
  • 16 Area Agencies on Aging: Michigan's agencies coordinate more than 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 connect residents to local aging resources.
  • Medicare.gov: Search plans by ZIP code. Michigan lets insurers use attained-age, issue-age or community rating methods 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?

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

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.

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About Mark Fitzpatrick

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Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has analyzed the insurance market for almost a decade, first with LendingTree and now with MoneyGeek, conducting original research on hundreds of insurance companies and millions of insurance rates for insurance shoppers. 

He writes about economics and insurance on MoneyGeek, breaking down complex topics so people can have confidence in their purchase. Like all MoneyGeek analysts, Mark collects and analyzes independent cost and consumer experience data on insurance companies to provide objective recommendations in our content that are independent of any of MoneyGeek's insurance company partnerships. 

His insights on products ranging from car, home and renters insurance to health and life insurance have been featured in The Washington Post, The New York Times and NPR, among others. 

Mark holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He started his career working in financial risk management at State Street before transitioning to the analysis of the personal insurance market. He's also a five-time Jeopardy champion!

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