Among Michigan Medicare supplement plans, Plan F is the most complete Medigap plan ever offered. It covers nearly every gap Original Medicare leaves, including the Part B deductible, so people who hold it rarely see a bill. We are an independent agency, and we compare Medicare Plan F in Michigan and every other standardized Medigap plan so you keep the right coverage at the lowest price, for free.
Medicare supplement insurance, also called Medigap, is private insurance you add to Original Medicare Parts A and B. Original Medicare pays first, then your Medigap coverage helps pay the out-of-pocket costs that Original Medicare doesn’t cover, such as Medicare deductibles, copays, and coinsurance. These supplement policies work in conjunction with Original Medicare, not instead of it, so you can use any doctor or hospital that accepts Medicare nationwide. Medigap plans in Michigan are standardized and named with letters, and every insurance company must offer the same benefits for a given letter, so the plans are available on price. You still keep enrolling in Medicare Part B and paying that premium, and you add a standalone Part D plan for prescriptions.
The best time to purchase a Medicare supplement is your Medigap open enrollment period, the six months that begin the first month you are age 65 and enrolled in Medicare Part B. During that enrollment period you have a guaranteed right, so insurance companies cannot deny you or raise your monthly premium for health conditions. Enroll in a Medicare supplement after it ends and, depending on the plan, an insurer may require underwriting. Carriers active here include Mutual of Omaha and Blue Cross Blue Shield of Michigan, and we compare Michigan Medicare supplement rates across all of them.
Medigap Plan F in Michigan pays your Medicare Part A hospital coinsurance and costs, Part B coinsurance and copayment, the Part B deductible, Part B excess charges, skilled nursing coinsurance, blood, hospice, and foreign travel emergency care. Because Medigap plans are standardized by the federal government, a Plan F is identical from one insurance company to the next. It also adds 365 additional days of hospital coverage after your Medicare benefits end. After Medicare pays its share, Plan F picks up almost everything else, which is why it was the most popular Medicare supplement plan for years. Unlike a Medicare Advantage plan, which uses a network, Plan F is private insurance that helps cover your health care costs anywhere Medicare is accepted, and it never touches Medicaid eligibility.
The MACRA law barred any Medicare supplement insurance plan that covers the Part B deductible from being sold to people who become eligible for Medicare on or after January 1, 2020. That closed both Plan F and Medicare Supplement Plan C to newcomers. If you were eligible for Medicare before January 1, 2020, you can still purchase Plan F today, even if you only recently enrolled in Medicare Part B. Anyone newer should compare Plan G, which works like Plan F in every other respect.
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 of the costs for an additional 365 hospital days.
Plan F covers all of the costs of 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 benefit 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.
Plan F is still available in Michigan, but only to people who became eligible for Medicare before January 1, 2020. If you turned 65 or joined Medicare on or after that date, you cannot buy Plan F, and Plan G is the most comprehensive plan open to you. If you already have Plan F, you can keep it. The question is whether you should, because a closing plan can see its premium rise faster over time as fewer new, healthy members join the pool.
The only difference between Plan F and Plan G is the Part B deductible. Plan F covers it; Plan G does not. Once you subtract that small annual deductible, the two plans pay the same. So the real question is price. If Plan G plus the deductible costs less per year than Plan F, Plan G wins, even for people who still qualify for F. We run Michigan Medigap Plan F and Plan G quotes side by side and do the math for you, so you are not paying more for the same protection.
Many Michigan residents on Plan F are overpaying because their old plan’s rate has climbed. If you are healthy, you may be able to pass underwriting and move to a lower priced Plan G or a well priced Plan F with another carrier. We review your current rate, check what you would save, and only recommend a switch if it clearly puts money back in your pocket. There is no cost to have us look.
Plan F costs more than any other letter because it leaves no health care costs uncovered. As a reference from our quoting, a typical annual premium runs around $1,612, against $1,186 for Plan G. Your exact rate depends on age, ZIP code, gender, and tobacco status, and because the plan’s risk pool is closed to new entrants, rate increases tend to outpace other plans over time. That math is exactly why many longtime enrollees re-shop their coverage each year.
Like all Medigap plans, Plan F does not include prescriptions. You pair it with a standalone Medicare Part D drug plan. We compare Part D options alongside your Medicare supplement plan so your medications are covered too.
We are licensed, independent, and paid the same by every carrier, so our advice is honest. We compare plans on price and company strength, handle the paperwork, and review your rate each year so your out-of-pocket costs stay low and the Medicare supplement plan cost keeps fitting your budget.
Every consultation starts with your questions, not our paperwork.
Yes, to anyone who was eligible for Medicare before January 1, 2020. New applicants in that group are accepted with underwriting outside guaranteed issue windows, and policies are written through Mutual of Omaha Insurance Company affiliates such as United of Omaha.
No. Like all standardized medicare supplement insurance policies, it excludes routine dental, vision, hearing, and drugs. Add a separate Medicare Part D plan for prescriptions; we quote them together.
Yes, anywhere in the country. Any provider that accepts Medicare accepts your supplement, with no networks and no referrals, unlike a Medicare Advantage plan.
If you were eligible before 2020, yes, any time of year, subject to health questions. If your current plan is a discontinued Plan C, the same eligibility rule lets you move between the closed plans.
Mutual of Omaha includes perks that vary by state, such as household premium discounts and fitness program access. The insurance benefits themselves are fixed by the standardized letter.
Call (855) 847-7020 or request a free quote to compare Michigan Medicare supplement plans today.