Motor city is home to 315,111 Medicare members with an average age of 70 years old. In Detroit there are 151,548 beneficiaries enrolled in a Medicare Advantage program. That means 48.09% of Detroit’s residents on Medicare enroll in a Medicare Part C plan.

Supplemental Medicare Plans in Detroit, Michigan

We’ll be covering the cheapest Medicare Advantage plans for Michigan in Detroit. Then we’ll discuss the average costs of Medigap plans in the area. Following that we’ll talk about the most affordable Part D plans in Detroit.

Finally, we’ll show you the special needs plans and how to enroll in a Medicare plan if you’re in Detroit. The Information below is based on a 65-year-old Woman.

Cheapest Medicare Advantage Plans in Detroit, Michigan

Detroit is located in Wayne County and has a whopping 63 Medicare Advantage plan options. The chart below shows some of the cheapest Medicare Part C plans available.

Hap Senior is a smaller company that only offers plans in the state of Michigan. In many cases, these smaller carriers have excellent plans in the areas they specialize in. As you can see below their Local PPO has a 4-Star rating and a zero-dollar premium.

Reliance Medicare Advantage plans are another smaller Medicare Advantage company. They were created by doctors that have the goal of putting their patients first.

The carrier is fairly new to the Medicare market hence no star rating as of yet. They have a couple of Medicare Part C options available.

UnitedHealthcare is regarded as one of the top Medicare plan providers in the nation. Backed by AARP, UnitedHealthcare is one of the most recognized Medicare Advantage companies in the United States.

With a plethora of options and a strong financial position, they have the means to see their clients’ needs are met.

PLAN PREMIUM MOOP Plan Type Star Rating
Hap Senior $0 $6,500 LOCAL PPO 4
Reliance $0 $5,900 HMO N/A
Unitedhealthcare $0 $5,500 LOCAL PPO 5
Ascension $0 $2,900 HMO N/A
Wellcare $0 $3,450 HMO 3

Average Cost of Medicare Supplement Plans in Detroit, Michigan

Medicare Supplements in Michigan are another option to control your out-of-pocket costs Medicare. They allow you to add on additional insurance to fill in the holes left over by Original Medicare.

That’s why they have earned the nickname Medigap. Medicare Supplement plans don’t cover prescription drugs, so it’s important to make sure you choose a drug plan to go along with it.

Plan F is known as the full coverage Medigap option. Anything that Medicare covers, your Plan F will pick up the remainder of the cost. Plan F is no longer available to people starting Medicare so not everyone has it as an option.

Coming in second in popularity is Plan G. Although technically 2nd, it has been gaining ground on Plan F for many years. Its coverage is identical to F in every way except G doesn’t cover the Medicare Part B deductible. In most states, the cost difference is still a significant saving even after you factor in the deductible.

Last but not least we have Plan N. With coverage similar to Plan G, it’s the most cost-effective option. It does entail a little more out-of-pocket costs, but as you can see below there are significant savings. For beneficiaries that don’t mind a $20 copay when they see their doctor this is a no-brainer.

LETTER PLAN LOWEST PREMIUM HIGHEST PREMIUM
PLAN A $68.45 $465.37
PLAN B $118.17 $359.13
PLAN C $141.50 $421.70
PLAN D $115.58 $495.35
PLAN F $136.71 $405.37
PLAN HDF $32.00 $90.72
PLAN G $113.44 $342.50
PLAN HDG $32.00 $84.25
PLAN K $44.36 $117.69
PLAN L $80.33 $284.40
PLAN M $142.42 $312.09
PLAN N $91.53 $334.55

Most Affordable Medicare Part D in Detroit, Michigan

Michigan Medicare Part D plans to cover your prescription drugs. They are optional, but if you choose to go without them, you’ll be penalized when you decide to choose one later. Medicare Part D plans have four phases as you move through your drug costs. The four phases include a deductible, initial, coverage gap, and catastrophic phase.

Aetna has the lowest plan nationwide with its SilverScript brand. Aetna is one of the most well-known and respected insurance companies around. With the backing of CVS, their parent company, they have a lot of pull and insight.

Wellcare has the drug plan with the second-lowest premium in 2020. They are part of the Centene family and have several other companies under their umbrella. They are becoming a juggernaut in the Medicare Space.

Clear Spring jumped in the Medicare game a few years ago, they have had a few bumps and bruises as a new company, but their drug coverage is second to none. Depending on your current prescriptions, Clear Spring may be your clear choice.

PLAN PREMIUM DEDUCTIBLE STAR RATING
Aetna $7.50 $480 3
Wellcare $12.70 $480 3
Clear Spring $17.00 $480 2
Elixir $20.30 $480 3
Humana $22.70 $480 4

Medicare Special Needs Plans

Special Needs Plans are Medicare Advantage plans designed for Michigan Medicare beneficiaries with specific health conditions or low-income situations. These plans can cover certain prescriptions and treatment better than standard Medicare Part C plans.

If you have a health condition such as COPD, or diabetes, check with a licensed insurance broker to see what’s available for you. SNPs are not available in all areas, which is why we recommend speaking with an agent.

UnitedHealthcare is one of the few providers that allow a Dual-Eligible Medicare Advantage plan as a PPO. This is a major difference between them and many other insurance providers. This gives the Medicare-Medicaid beneficiary more freedom when using the plan.

We happen to have two options for Dual-Eligible PPOs in Detroit. Wellcare is the other company that provides access to a D-SNP PPO. It’s rare to have two carriers with this option in one area.

Zing Health is a smaller company that has a strong presence in Detroit with its Chronic Care Special Needs Plan. With a Zero-dollar premium and $4,200 maximum-out-of-pocket you may find them to be a good fit for your needs.

PLAN PREMIUM MOOP Plan Type Eligibility
Unitedhealthcare $0 $7,550 LOCAL PPO Dual
Wellcare $0 $3,450 LOCAL PPO Dual
Align $0 $4,700 HMO Chronic or Disabling
Zing Health $0 $4,200 HMO Chronic or Disabling
Mclaren $0 $7,550 HMO Dual

FAQs

What Medicare plans are available in Detroit?

Detroit has 63 Medicare Advantage plans options. The carriers include some of the largest insurers in the nation, such as Wellcare and UnitedHealthcare. In addition to Medicare Part C options, there are also many companies to choose from if you prefer the Medicare Supplement plans.

What does a Medicare Advantage plan cost in Detroit?

Detroit has a large selection of Medicare Advantage plans and options. Many have a zero-dollar premium. It’s as important to check how well your prescriptions are covered. The premium could be lower, but if your drug costs are super high on that plan it may not be the best for you.

When can I enroll in a Medicare Advantage Plan in Detroit?

You can enroll in a Medicare Advantage plan three months before your Medicare starts. After that, you would need to be in the Annual Enrollment Period, Medicare Advantage Open Enrollment Period, or have a Special Enrollment Period to change plans.

When can I enroll in a Medicare Supplement in Detroit?

Most Medicare Supplement plans allow you an Open Enrollment to enroll six months before your 65th birthday. This period continues for five months after your birthday month. You can enroll in a Medigap at any time as long as you can medically qualify.

How to Sign Up for Supplemental Medicare in Detroit

If you are looking for help deciding or enrolling in a Medicare plan we can help. We have access to all the carriers available and can help guide you through the process.

Our Licensed Agents specialize in Medicare and will educate you on your options. We can assist with finding the plan that fits your needs, and even help enroll you.

Give us a call, or fill out our online request form. We are here to guide you through the process and make it easier for you.

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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.