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Medigap plans in Michigan, also known as Medicare Supplement insurance, help pay the costs that Original Medicare doesn’t cover, the deductibles, copays, and coinsurance under Medicare Part A and Part B. You keep Original Medicare and add a Medigap plan on top, so you can see any doctor who accepts Medicare anywhere in the country, with no networks and no referrals. We are an independent agency, and we compare Michigan Medigap plans from the top insurance companies in Michigan so you get the right Medicare supplement coverage at the best price, for free.
Original Medicare covers most of your medical care, but not all of it. Part A has a hospital deductible, and Part B leaves you paying 20 percent of most services with no annual cap. Medigap plans are designed to work alongside Original Medicare and pick up those costs not paid by Medicare.
Because Medigap plans are standardized by the federal government, a plan with the same letter covers the exact same Medicare benefits no matter which company sells it. Michigan offers all 10 standardized Medigap plans, so the only real difference between insurers is the medigap premium and service, which is where an independent agent saves you money.
The Medicare Part A deductible ($1,736 in 2026; CMS updates it annually) for each benefit period
The Part B deductible ($283 in 2026) plus 20% coinsurance on most medical services
Copayments for extended hospital stays
Skilled nursing facility care costs after day 20
Charges above the Medicare-approved amount (excess charges)
Michigan residents usually compare three Medicare supplement plan options:
Plan G is the most popular Medigap plan. It covers everything except the small annual Part B deductible, so after that your covered costs are close to zero.
Plan N has a lower premium than Plan G. You pay small copays for some office and emergency room visits, which suits people who do not see the doctor often.
Plan F covers the Part B deductible too, so it pays nearly everything. Plans F and G are the most comprehensive, but Plan F is only for those who were 65 or older and enrolled in Medicare before January 1, 2020.
Michigan also offers Plans A, B, D, K, L, M, and a high deductible version of Plan G for people who want the lowest premium.
Medigap plans do not include drug coverage. If you want your medications covered, you add a standalone Medicare Part D prescription drug plan alongside your Medicare supplement plan. We help you compare plans so your Part D drug plan and your Medigap coverage work together and your prescriptions are handled.
We place a lot of Michigan Medigap coverage with Mutual of Omaha Medicare in Michigan, a company known for competitive rates and steady renewals. Mutual of Omaha Medigap in Michigan offers Plan G, Plan N, and Plan F, and because these plans are standardized, the benefits match every other carrier’s version of the same letter. We still compare Mutual of Omaha, Michigan Farm Bureau, and other A rated insurers so you are not overpaying for identical coverage.
The two plans differ by exactly one benefit, the Part B deductible, so the comparison is pure arithmetic:
…even while paying the deductible yourself. Run your own numbers; the gap usually widens with age because the closed risk pool drives faster increases.
The flagship. Covers the Part A deductible and coinsurance, 365 extra hospital days, Part B coinsurance and excess charges at 100%, three pints of blood, skilled nursing facility care coinsurance, and 80% of foreign travel emergencies after a $250 deductible. Only the Part B deductible stays with you.
Plan G covers 100% of the $1,736 deductible.
Plan G does NOT cover the $283 Part B deductible. You pay out of pocket.
Plan G covers 100% of the 20% remainder costs.
Plan G covers all costs for an additional 365 hospital days.
Plan G covers all costs for 3 pints of blood per calendar year.
Plan G covers 100% of the excess charges.
Plan G covers 80% (after a $250 deductible) to a lifetime maximum of $50,000.
Plan G covers up to $137.50 per day for days 21-100.
Plan G covers the 20% remainder not paid by Medicare Part B.
Everything Plan G covers plus the Part B deductible, leaving essentially zero out-of-pocket exposure. Available only if you were eligible for Medicare before 2020.
Plan F covers 100% of the $1,736 deductible.
Plan F covers 100% of the $283 deductible.
Plan F covers 100% of the 20% remainder costs.
Plan F covers all costs for an additional 365 hospital days.
Plan F covers all costs for 3 pints of blood per calendar year.
Plan F covers 100% of the excess charges.
Plan F covers 80% (after a $250 deductible) to a lifetime maximum of $50,000.
Plan F covers up to $137.50 per day for days 21-100.
Plan F covers the 20% remainder not paid by Medicare Part B.
Identical to Plan G except office visits carry up to a $20 copay, emergency room visits up to $50, and Part B excess charges are not covered. In exchange, premiums run noticeably lower.
Plan N covers 100% of the $1,736 deductible.
Medicare pays for days 1-60. Plan N covers: remaining $408/day for days 61-90, remaining $816/day for days 91-150.
Plan N does NOT cover the $283 Part B deductible. You pay out of pocket.
Plan N covers 100% of the 20% remainder after a $20 office visit copay and $50 emergency room copay.
Plan N covers all costs for an additional 365 hospital days.
Plan N covers all costs for 3 pints of blood per calendar year.
Plan N covers 100% of the excess charges.
Plan N covers 80% (after a $250 deductible) to a lifetime maximum of $50,000.
Plan N covers up to $137.50 per day for days 21-100.
Plan N covers the 20% remainder not paid by Medicare Part B.
Every carrier must offer Plan A by federal law. It covers Part A coinsurance, 365 extra hospital days, blood, and Part B coinsurance, but not the deductibles, excess charges, foreign travel, or skilled nursing coinsurance. It suits tight budgets; most clients outgrow it quickly.
Covered
None
Covered
Not Covered
None
Covered
Not covered
Small copay
Covered
Medigap and Medicare Advantage are two different roads. A Medicare Advantage plan bundles your coverage into one private plan with a network and often a low premium, but you are limited to that plan’s service area. Medicare supplement plans in Michigan cost more per month but let you use any doctor who accepts Medicare, with very predictable bills. If you travel, split time between states, or want to keep a specific specialist, Medigap is usually the better fit.
The best time to purchase a Medicare supplement is your Medigap Open Enrollment Period, the six months that start the first day of the month you are age 65 or older and enrolled in Medicare Part B. During that window you have a guaranteed issue right, so no company can deny you or price you based on your health. Miss it, and in most cases an insurer can require medical underwriting. If you are enrolled in Original Medicare and new to this, contact us early so you lock in the best rate while you still have that right.
Your premium depends on age, ZIP code, and plan letter, not on your health once you are past open enrollment. Medigap plans are regulated by the Michigan Department of Insurance and Financial Services, so pricing is filed and consistent. We show you real Michigan Medicare supplement plans and quotes from several carriers side by side, so you see exactly what each option costs before you decide.
We are licensed, independent, and paid the same no matter which company you choose. We check that your doctors accept Medicare, help you compare plans on price and company rating, handle the application, and stay on as your agent for renewals and rate reviews every year.
Every consultation starts with your questions, not our paperwork.
Among the best medicare supplement carriers nationally: competitive premiums, a century of claims history, fast underwriting, and strong financial ratings. The right answer still depends on the rate for your age and ZIP, which is why we quote every carrier side by side before recommending anything.
No. Like all medicare supplement insurance policies, it excludes routine dental, vision, hearing, and prescriptions. Pair it with a separate Medicare Part D plan for drug coverage, and standalone dental insurance if you want it; we bundle the quotes together.
Yes, any month of the year. Outside guaranteed issue situations you will answer health questions, so the best time to switch is while you are healthy. There is no penalty for switching, just the new premium.
Then look hard at N or the high deductible option. Frequent travelers and frequent specialist users usually land on the standard version instead. Two minutes on the phone sorts out your Medicare coverage.
Call (855) 847-7020 or request a free quote to compare Medigap plans in Michigan today.
