The Best Michigan Medicare Supplement Plans (2022)

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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%.