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Medicare in Michigan

Resources for Michigan Medicare Beneficiaries

Are you curious about Medicare’s many parts, enrollment periods and applications, or comparing and choosing a Medicare plan? We don’t blame you. Dive right into these Medicare resources developed just for you.

Medicare Basics         Choosing the Right Medicare Plan         Enrolling in Medicare

Medicare decision-making may benefit from a bit of outside assistance. You can access many resources as a Michigan resident, including the State Health Insurance Program (SHIP), also known as the Michigan Medicare Assistance Program (MMAP), in your neck of the woods. To educate folks about Medicare in Michigan, MMAP has counselors all around the state of Michigan (yes, even for you, Yoopers) who collaborate with regional nonprofits, public health agencies, and Area Agencies on Aging (AAAs). 

Medicare Plan Options in Michigan  

If you’re a Michigander, you have a variety of Medicare alternatives to select from. If you are at least 65 years old or have a disability that qualifies you for Medicare coverage, you can apply for Original Medicare. If you prefer more comprehensive coverage, a Medicare Advantage plan may be a better alternative in Michigan due to the wide range of options available. Other examples of Medicare plans available include prescription drug plans and Medicare Supplement Insurance. 

Original Medicare (Parts A & B)  

The foundational form of Medicare is Original Medicare; it includes both Medicare Part A, which covers hospital insurance, and Medicare Part B, which covers medical insurance. Hospitalization stays, skilled nursing facilities (SNF), home health care, and hospice care are covered under Part A of Medicare. Doctor visits, outpatient treatment, lab work, and preventative services like cancer screenings, flu vaccines, and yearly wellness exams are covered by Part B of Medicare. Medicare Parts A and B have a difference in deductibles that apply for their distinct services. For instance, Part A has an inpatient hospital deductible per benefit period (every time you are admitted), whereas Part B has an annual deductible before Original Medicare kicks in for payment. 

Considerations when deciding to maintain Original Medicare include: 

  • Original Medicare in Michigan is a good option, it gives you the flexibility to select and see healthcare providers who accept Medicare wherever you are in the United States. 
  • There are no networks, copayments, waiting periods, or restrictions on pre-existing conditions. 

Medicare Advantage (Part C)  

Medicare Part C, also called Medicare Advantage plans, is an alternative to Original Medicare coverage offered by private insurance companies. These types of plans cover what Medicare Parts A and B do, and the best part is that they often cover even more.  

Most services are handled by a network of providers. Like a Health Maintenance Organization (HMO) plan, you may need a primary care doctor, a referral to see a specialist, and approval in advance for certain services, treatments, and medications. 

Check out our Medicare Part C Resource Page to find out more about Medicare Advantage. 

Medicare Prescription Drug Plan (Part D)  

Many Medicare Advantage plans contain Part D by default, but stand-alone Prescription Drug Plans (PDP) can also be combined with Original Medicare or Medicare Supplement Insurance policies. Depending on the drug plan, some covered drugs may have a deductible, copayment, or coinsurance. 

Medicare Supplement Insurance (Medigap)  

Some Michigan Medicare beneficiaries purchase Medicare Supplement Insurance (Medigap). These plans aim to provide coverage for any gaps left by Original Medicare. For example, some of these differences between Medicare programs are the coverage for Medicare Part A and B deductibles and coinsurance plus coverage for medical care received outside of the United States. 

In addition, because Original Medicare does not cover all of your medical expenses, the Michigan Department of Insurance and Financial Services (DIFS) offers resources that explain how Medicare Supplement Insurance minimizes out-of-pocket costs. 

It’s also important to understand that Medicare Advantage is not covered by Medigap insurance, and you cannot have both Medigap coverage and a Medicare Advantage Plan at the same time.  


Medicaid is a state agency that offers public insurance that has been around since 1965. Both the federal government and the state governments jointly pay for this program. The federal government says each state is responsible for running its Medicaid program while coordinating care. Each state’s Medicaid program has the freedom to set up and run its programs, so Medicaid eligibility and benefits often vary greatly from state to state. Medicaid is designed to help people who qualify with low incomes, like children, parents, pregnant women, the elderly, and people with disabilities, get access to health care. 

How and when to sign up for Medicare in Michigan

Medicare is a government-run health insurance program open to all qualified individuals. The majority of Americans become eligible for Medicare at age 65.  

In addition, the following occurrences trigger Medicare eligibility: 

  • You are under 65, permanently disabled, and have received Social Security disability payments for at least 24 months, or you receive Railroad Retirement Board benefits. 
  • Have a diagnosis of End-Stage Renal Disease (ESRD). 
  • Have Lou Gehrig’s disease, or formally known as Amyotrophic Lateral Sclerosis (ALS). 

For more information on Original Medicare and Medicare Supplement Insurance enrollment periods, please visit the Enrollment Periods Page of our resource center. 

Medicare Advantage Enrollment Periods in Michigan and nationwide  

Here is a quick overview of the Medicare enrollment periods and enrollment timeframes in which you can elect or change your Medicare Advantage plan.

Medicare Advantage Enrollment Period

Alright, Ganders, we know it’s a lot, but we’re almost finished. Healthpilot recognizes that managing Medicare and enrollment deadlines can be challenging and stressful. 

Looking for some good news after reading all of this? Healthpilot can do all of the hard work for you. We’ll propose the right Medicare plan based on your specific needs once you answer a few questions, and, even better, you’ll be able to enroll online in just a few minutes. 

Once you become a Healthpilot customer, we will provide this service annually for the remainder of your life. You keep us updated as your healthcare and prescriptions change, and we will offer you plan recommendations to best fit your needs.  There is no need to memorize enrollment periods when you have Healthpilot on your side. 

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Key Stats

Some interesting facts about Medicare coverage in Michigan:   

  • Out of all the residents of the Mitten State, 2,148,468 individuals are enrolled in Medicare making the coverage rate 21%, higher than the national average of 19%. 
  • Around 53% of Medicare customers in Michigan are enrolled in private Medicare Advantage programs, one of the highest averages across the country. 
  • Michigan will have access to 207 Medicare Advantage plans available in 2023, compared to 191 plans in 2022, thus representing an 8.4% increase in plan options. 
  • In Michigan, there are 24 separate stand-alone Part D prescription programs, certifying that all beneficiaries have access to a Medicare prescription drug plan. 
  • And, because we promised you a fun fact about Michigan: Michigan has produced some of the most iconic musicians of the last century with Bill Haley of Haley & His Comets, Diana Ross, Madonna, Alice Cooper, members of the Grand Funk Railroad and Anthony Kiedis of the Red Hot Chili Peppers, just to name a few. Rock on Michigan! 

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