Lansing, Michigan is the capital of Michigan and is centrally located in the state. You can actually get to Lansing in about 90 minutes of travel time from 90% of the state. In addition to being the capital, it’s also home to 133,105 Medicare beneficiaries. With an average age of 70 years old, 38.71% of Medicare members in Lansing are enrolled in a Medicare Advantage program.

Supplemental Medicare Plans in Lansing, Michigan

We are going to go over the average cost of Medicare Advantage plans, the cheapest Medigap options, and the most affordable Part D plans in the area.

Then we will discuss special plans that are catered toward Medicare beneficiaries in Michigan with chronic health conditions. Keep in mind that all data shown below is based on a 70-year-old female, and prices can vary based on age and sex.

The average cost of Medicare Advantage Plans in Lansing, Michigan

Ingham County covers most of Lansing, Michigan, and 41 Medicare Advantage plans are available in that county alone. There are 51,529 Medicare members in Lansing, Michigan enrolled in Medicare Advantage programs with 55.22% being female enrollees.

Humana is one of the well-known healthcare providers in the nation. Michigan it’s no exception. That has several options available and several with a zero-dollar monthly premium. Their 4-star PPO is a great option for people on Medicare to choose if they want the freedom of visiting in-network and out-of-network providers.

Hap Senior is a small company that offers plans in Michigan. They have strong plans, low premiums, and a 4-star rating, they have shown that they care for their clients.

Mclaren is a new player in the Michigan Medicare market. They have several plans in the Lansing area. The carrier is so new that they have not been assigned a star rating yet. They look to be a solid company and here to stay.

PLAN PREMIUM MOOP Plan Type Star Rating
Humana $0 $5,550 LOCAL PPO 4
Hap Senior $0 $4,000 HMO 4
Priority Health $0 $5,300 LOCAL PPO 4
Mclaren $0 $5,200 HMO N/A
Aetna $0 $5,500 LOCAL PPO 4

Many people have a hard time believing that insurance options are available at no cost, for more information check out our FAQs about how it works.

Cheapest Medicare Supplement Plans in Lansing, Michigan

Michigan Medicare Supplement plans provide the most comprehensive coverage available to people enrolled in Medicare Part A and B. The plans fill the gaps leftover by Original Medicare.

There are 10 plan options and the coverage is federally regulated. This means no matter where you are the coverage must be the same. There are three exceptions, Minnesota, Wisconsin, and Massachusetts.

The most popular plans nationwide are Plans F, G, and N.

Many people refer to Plan F as the full coverage plan. This is because with the exception of your monthly premium you pay nothing else. Medicare pays its portion and Plan F pays yours. Plan F has a high deductible option for savvy Medicare members. Once the deductible is met the coverage begins and you will pay nothing more for the year for your health coverage.

Plan G is quickly catching on and is expected to pass Plan F as the most popular plan. With more affordable rates and only one difference in coverage, Plan G is poised to become the number one plan.

The only difference is that you are required to pay the Medicare Part B annual deductible. Once this is met there are no more out-of-pocket costs other than the monthly plan cost. Like Plan F, Plan G also has a high deductible option.

The plan that gives the most bang for your buck is Plan N. With this plan the premiums are quite a bit lower than the two mentioned above. There are a few out-of-pocket costs with Plan N such as the Part B deductible, and Copays for the doctor and emergency room.

Unlike Plans F and G, Plan N doesn’t cover excess charges. Only about 3% of doctors charge excess charges and they are easy to avoid.

LETTER PLAN LOWEST PREMIUM HIGHEST PREMIUM
PLAN A $75.38 $481.68
PLAN B $129.99 $351.67
PLAN C $143.14 $435.29
PLAN D $121.33 $511.35
PLAN F $129.46 $390.74
PLAN HDF $39.00 $107.65
PLAN G $106.59 $357.28
PLAN HDG $37.66 $99.97
PLAN K $48.92 $134.00
PLAN L $74.17 $287.93
PLAN M $162.76 $327.00
PLAN N $86.22 $334.55

Most Affordable Medicare Part D in Lansing, Michigan

The Medigap plans do not include drug coverage in Michigan so many Medicare members need to choose a Part D prescription plan to cover their drugs. These plans are the fourth part of Medicare and are technically not required. However, if you opt not to include drug coverage you will be assessed a penalty later when you do decide to buy drug coverage,

When it comes to choosing the right drug plan the premium may not be the most important aspect. Each plan covers drugs differently and the plan with the lowest, or highest premium may not be the best for you.

As for Premiums, Aetna blows the competition out of the water with its SilverScript brand. At less than eight dollars a month there is no lower plan out there. SilverScript and Aetna are owned by CVS giving them a leg up in many ways.

Wellcare, which was recently acquired by Centene healthcare, is growing rapidly and comes in second in regard to the lowest premium. They are not only growing rapidly but have been putting time in to ensure their plans are competitive and help their members.

Clear Spring comes in with the third-lowest premium. They are fairly new and only have a 2-Star rating. We expect that as they gain more experience they will continue to increase the quality of their plans.

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

Did you know that there are Medicare Advantage plans that cater to beneficiaries with special needs? In some cases, they are for people with low income and coordinate with Medicaid. Other plans are designed to help Medicare members that have specific health conditions such as diabetes, COPD, or Chronic heart conditions to name a few.

These plans can have lower tiers for drugs for those health conditions, or maybe lower copays for specialist visits or for procedures affecting the health conditions they are designed for.

Special Needs plans for Medicaid Members will provide robust benefits and in many cases a zero-cost share and premium.

PLAN PREMIUM MOOP Plan Type Eligibility
Humana $0 $3,450 HMO Dual
Mclaren $0 $7,550 HMO Dual
Priority Health $0 $7,550 HMO Dual
Longevity Health $31.50 $6,700 HMO Institutional

FAQs

How much does a Medigap Plan cost in Lancing, Michigan?

Medigap plans will vary depending on many factors, including which plan you choose. For a 70-year-old woman in Lansing, Michigan, expect to pay at least $86 for the plan N.

What’s the most popular Medicare Supplement plan in Lancing, Mi?

Plan F is the most popular Medigap plan in Lancing. Since Plan F has been discontinued for people starting Medicare after January 1st, 2020, Plan G and Plan N are starting to quickly gain ground. Plan N is the best bang for your buck.

How do I know what Special Needs Plans are available in Lancing, Michigan?

Special Needs Plans come in a variety of options. To find out what plans are available for your situation it’s best to speak with a licensed insurance broker that specializes in Medicare. They can access your needs and situations to help determine which options you qualify for.

How to Sign Up for Supplemental Medicare in Lancing, Michigan

Signing up for the right plan for you is important. Everyone has different needs so there is really no cookie-cutter best plan. Speaking with one of our licensed agents specializing in Medicare will help you with your decision.

We provide education and present you with options that fit your individual needs. You can reach one of our experts by giving us a call or filling out our online request form.

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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.