Medicare recipients in the state of Michigan number just fewer than 1,146,000. Some of these residents enjoy every piece of Medicare, while others are a part of just some parts.

But whether you’re already enrolled in Medicare or are about to be, there’s plenty of information for Michiganders to consider about both Original Medicare and Medicare Supplemental plans.

Medicare in Michigan

  • A bit more than 1,067,000 constituents from the Wolverine State are enrolled in both Part A & B of Medicare.
  • Of the previous number, a shade over 863,000 Michigan residents aged into the program. An additional 204,000 Michiganders entered Medicare through disability.
  • Just around 1,617,000 people in the state utilize a prescription drug plan through Medicare Part D.

Medicare Costs in Michigan for 2022

When trying to get a firm grasp on what Medicare both covers and will cost an individual, it’s good to do as much research as possible. However, here is an overview of what each section of Original Medicare does for its patients.

Part A is premium-free Medicare for those who’ve reached age 65 (or are married to someone who has), are a U.S. citizen, and have a qualifying work history of 10 years or more. This is inpatient care, which refers to all hospital visits.

The other piece of the Original Medicare puzzle is Part B. This carries a fixed monthly premium set at the federal level and offers coverage for all outpatient care.

Medical supplies or equipment, standard doctor visits, flu shots, and even yearly checkups all fall under Part B. This does not include dental and vision; those can be added with supplemental plans.

Medicare Part A Costs in 2022 Medicare Part B Costs in 2022
  • Part A is premium-free for most
  • Part A deductible is $1,556 per benefit period
  • Inpatient hospital stay days 61-90 is $389
  • The standard Part B premium is $170.10
  • The annual deductible for Part B is $233
  • Medicare pays 80%, you pay 20% out-of-pocket

Looking at Original Medicare in Michigan

Nearly 1,200,000 people residing in Michigan have either Part A or Part B of Medicare. More than 968,000 of those aged into one of the parts, while just around 231,000 entered either Part A or B due to disability.

Medicare Part A (Hospital Coverage)

  • Inpatient care in hospitals
  • Skilled nursing facility care
  • Hospice care
  • Home health care
Medicare Part B (Medical Insurance)

  • Services from doctors and health providers
  • Outpatient care
  • Home health care
  • Durable medical equipment
  • Some preventive services

Sorting Out Supplemental Medicare Plans in Michigan

Original Medicare can really give senior citizens great peace of mind for their base healthcare needs. But many of those same people might soon find out that Parts A & B do not cover everything.

That’s why Supplemental Medicare plans exist and are used by those across the U.S., including Michigan.

One of the first places those people may turn to is a Medigap plan. This is offered by a private healthcare insurance provider and serves two big purposes:

  1. Expand your network of providers, which might include your preferred doctor or specialist.
  2. Cover the “gaps” in your Original Medicare for a premium. This still figures to be cheaper than paying out-of-pocket expenses for things not under Original Medicare.

For some, it’s not an issue of expanding their coverage but just having more control over it. That’s where a Medicare Advantage plan can be helpful. This is also offered by private companies and is run in accordance with federal Medicare guidelines.

A premium is involved, but this could be a great option for those who are more budget-conscious or want to have a say in which providers they see.

Finally, Part D is a prescription drug plan that is not a part of Original Medicare. As many know, medication is not cheap and that’s doubly true if you don’t have insurance to help cover it. There are also different tiers of Part D, so Michigan residents can find one that works for them.

One last note though: the price of all of these supplemental plans depends on your specific location. So someone living in Detroit won’t see the same rates as their fellow Michiganders in Lansing or Ann Arbor.

Michigan Medicare Resources

The state of Michigan has a wealth of recourses for Medicare recipients. The place to start is the Michigan Medical Assistance Program (MMAP). This actually is helpful for not only Medicare but also Medicaid. Regardless of which one you need help with, there is free volunteer help via their hotline.

Cities in Michigan with Medicare Supplement Coverage’s Estimated Premiums

The following charts exist for illustrative purposes to show what the average Medicare Supplement might cost the residents of the below cities:

FAQs

Who qualifies for Medicare in Michigan?

Medicare has a specific set of criteria to meet in order to qualify for it. They are:

  • Age 65 or older, or be the spouse of someone who is
  • Be a U.S. Citizen
  • Have 10 years of work history (or be married to someone who has it
  • Have a qualifying condition and be drawing disability income for at least 24 months

How much is Medicare in Michigan?

Like anywhere else in the U.S., Original Medicare costs are standardized. For Part A, you get it premium-free with just a deductible that needs to be met each period. For Part B, there is a monthly premium but it is the same for everyone in America.

What is the difference between Medicaid and Medicare in Michigan?

Medicaid is offered to low-income families or individuals, those with disabilities, children, and pregnant women. This is comprehensive coverage and comparable to individuals who have private health insurance.

As far as Medicare is concerned, as previously stated, it covers hospital stays and general outpatient care. Boomers and those who qualify because of a disability get this. While it is responsible for a lot, it is not comprehensive.

How To Sign Up For Supplemental Medicare in Michigan

Tip No. 1 for successfully picking and signing up for the best Supplemental Medicare plan in Michigan for yourself is to work with a licensed agent. The agent can actually help you sort through the different plans and assist in the selection process — and the greatest part about this assistance is it’s free to you.

Since your health coverage is such an important decision, don’t leave it to chance. Call us today or fill out our convenient and easy rate form so we can find the best and most affordable Supplemental Medicare plans in your part of Michigan.

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by Lindsay Malzone, Lindsay Malzone is the Medicare expert for Medigap.com. She's been contributing to many well-known publications as an industry expert since 2017. Her passion is educating Medicare beneficiaries on all their supplemental Medicare options so they can make an informed decision on their healthcare coverage.