Michigan Medicare Plans
Michigan residents turning 65 become eligible for Medicare will need to make a decision as to whether to enroll in Medicare Supplement insurance or Medicare Advantage.
The Medicare Supplements plan will cover the deductibles, copays, coinsurance, and more than Original Medicare which can save you thousands of dollars. Additionally, you will have the freedom to see any doctor that accepts Medicare.
Medicare Advantage plans offer similar coverage to Original Medicare, but offer extras, like prescription drug coverage, and don’t always cost you an additional premium.
Michigan Medicare Plans Open Enrollment
Medicare beneficiaries in Michigan are eligible for Medicare at age 65. Initial enrollment begins three months before your birth month and lasts three months after. During initial enrollment, you can also apply for Medicare Supplements.
Initial enrollment begins three months before your birth month and lasts three months after. This is also the time you can apply for Medicare Supplements. While you can enroll in a supplement at any time, initial enrollment is the best time to do so because you cannot be turned down due to health conditions considering you won’t have to answer health questions on your application. If you miss this window, you’ll likely have to answer health questions to apply, which means you could be turned down by other Michigan Medicare supplement plans.
Michigan Medicare Advantage Plans
Michigan has up to 50 Medicare Advantage plans available, depending on what county you live in. Medicare Advantage, also known as Medicare Part C plans, is a private Medicare plan that provides all Original Medicare benefits but also includes extra benefits like dental, vision and prescription drugs coverage. Each plan has a network of doctors in Michigan that you will seek care from. One thing many people like about the Michigan Advantage plan is that is includes a Part D drug card. Many plans roll this into their benefits so you use the same insurance card at the pharmacy and at the doctor’s office
Michigan Medicare Part D
There are over 29 Medicare Part D plans available in Michigan. Remember, Original Medicare and Medicare Supplement plans don’t offer coverage for prescription drugs, so if take or anticipate needing a lot of prescription drugs, enrolling in Medicare Part D might be a good option.
Michigan Medigap Plans
Medicare Supplements in Michigan cover some, or even all, of the deductibles and coinsurance left over by Original Medicare.
This can save you thousands in out-of-pocket expenses, putting a cap on those costs, and this plan doesn’t limit you to a network of doctors that accept Medicare only.
There are 10 plans lettered A through N that offer standardized coverage. This means all plans lettered the same have to offer the same coverage and the only difference is price. So, be sure to shop your coverage.
Medicare Advantage for Michigan Residents Under the Age of 65 with Disabilities
While Medicare is generally reserved for those turning 65, there are cases in which someone may be eligible for Medicare under the age of 65. This includes individuals with disabilities who have received Social Security Disability Income for 24 months or have End Stage Renal Disease (ESRD) or Amyotropic Lateral Sclerosis (ALS, also known as Lou Gehrig’s disease).
It is important to note that there is a five-month waiting period after a beneficiary is determined to be disabled before they can begin to collect Social Security Disability Income. People who meet all the criteria for Social Security Disability Income are generally automatically enrolled in Medicare Part A and Part B. For the people who meet the standards, but do not qualify for Social Security Income, have an option to purchase Medicare by paying a Part A premium monthly as well as a monthly Part B premium.
An exception to the 5-month waiting people does apply for those people with ESRD and ALS. These individuals do not have to collect benefits for 24 months in order to become eligible for Medicare.
The requirements for Medicare eligibility for people with ESRD and ALS are:
- ESRD – Generally 3 months after a course of regular dialysis begins or after a kidney transplant
- ALS – Immediately upon collecting Social Security Disability benefits
Regrettably, those with disabilities often have lower incomes, require more health care, and find it more difficult to pay for and obtain care compared to Medicare beneficiaries over 65 years of age. Take our Medicare quiz now to see if you qualify for incredible Medicare benefits, even if you are under the age of 65.
Every state is different, and so obtaining Medicare benefits in Michigan can be complicated or confusing. If you are disabled or under the age of 65 wondering if you qualify, it is best to contact us directly to see if you are eligible.
What Medicare Advantage benefits am I eligible for under the age of 65 in Michigan?
At 100 Insure, we can help you discover benefits you might be eligible for including:
- Premiums starting at $0 per month
- Coverage for copays and deductibles
- Prescription drugs
- And transportation to the doctor and pharmacy
That’s right. Our company has helped qualified people under the age of 65 in Michigan receive benefits like:
- Massage services
- Meals after a hospital
- Food for their service dog
- A gym membership
- Money for vitamins and groceries
- Home improvements
- In home care & aides
- And pest control services
Contact us today to see if you qualify.
Medicare Coverage for Working People in Michigan with Disabilities
Medicare eligibility for working people with disabilities falls into three distinct time frames.
- Trial work period – extends 9 months after a disabled individual obtains a job
- Second period – This period is for 93 months after the end of the trial work period.
- Third period – An indefinite period following those 93 months.
Keep in mind that Medicare eligibility during each of these periods applies only while the individual continues to meet the medical standard for being considered disabled under Social Security rules.