Warren is the third-largest city in Michigan, after Grand Rapids and Detroit. It has everything that retirement-aged individuals would desire. Medicare options are plentiful in Warren, Michigan, with 48.30% of Medicare beneficiaries enrolled in Medicare Advantage plans.
Supplemental Medicare plans in Warren, Michigan
Navigating your Michigan Medicare options can be a daunting task. But it’s easier when you have the information to make an informed decision.
We will review some key points of Medicare Advantage plans and compare them to Medigap Plans. Of course, we’ll look at the Part D Drug and Special Needs Plans. There’s a lot to consider.
Where quotes are provided, they are based on a 65-year-old woman.
Average Medicare Advantage plans in Warren, Michigan
The average Medicare beneficiary has access to 39 Medicare Advantage plans. However, in Warren, Michigan, Medicare beneficiaries have access to over 50 Medicare Advantage plans. 89% of Medicare Advantage plans include coverage for Prescription drugs.
Humana offers a Local PPO Plan that has a 4-star rating. With a zero premium and an out-of-pocket maximum capped at $5,500, it’s understandable why this option is trusted by many in the Warren area.
Another plan offered at a $0 premium is from Aetna. This Medicare Advantage plan uses an HMO-POS network. The program uses an HMO with a point-of-service option, and it provides HMO savings with the flexibility of a PPO. The OOP maximum on this option is $3,900.
HAP (Health Alliance Plan) Senior sells a zero premium HMO Medicare Advantage Plan. Their option limits the beneficiaries’ out-of-pocket maximum to $4,500 and boasts a 4-star rating. In addition, HAP continues to offer the extras such as over-the-counter benefits that make them a top pick.
| PLAN | PREMIUM | MOOP | Plan Type | Star Rating |
| Humana | $0 | $5,500 | LOCAL PPO | 4 |
| Hap Senior | $0 | $4,500 | HMO | 4 |
| Aetna | $0 | $3,900 | HMO-POS | 3 |
| Wellcare | $0 | $5,000 | LOCAL PPO | N/A |
| BCBS of Michigan | $0 | $6,000 | LOCAL PPO | 4 |
Affordable Medicare Supplement plans in Warren, Michigan
Michigan Medigap plans are additional coverage that can be purchased to fill the gaps in coverage left by Original Medicare. For example, these Medigap plans help supplement the 20% of costs not covered by Part B.
These plans are standardized nationwide, so benefits don’t change from state to state. The only difference is the monthly premium.
Plan N is one of the most popular Medigap options. When you explore the benefits and compare them against what’s available to the current working population, Plan N is similar. Plan N assigns a copay to emergency room and doctor’s office visits.
Medigap Plan G is probably the top choice since this option covers 100% once the Part B deductible is met. Additionally, the beneficiary can’t be billed for excess charges.
The HDG or High Deductible Plan G has a deductible of $2,700.
The most popular Medigap option is Plan F. Everyone likes this option since you only pay the monthly premium each month. After that, everything is covered. Except that coverage is getting more expensive.
With a couple of tweaks, like adding a high deductible option, this Medigap plan is again cost-effective. The HDF plan deductible is the same as the HDG, $2,700.
While there are several Supplement Plans to consider, Plans F, G and N are the most popular. It can be challenging but take time to consider your situation and the option that seems to be the best fit.
| 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 |
Cheapest Medicare Part D prescription drug plans
Part D in Michigan is prescription drug coverage. It’s a stand-alone coverage that provides benefits for most prescription drugs. Keep in mind that Medigap plans don’t cover prescriptions. And only some Medicare Advantage plans cover drugs.
Aetna offers a few prescription drug plans. The most popular one provided by Aetna has a 3-star rating and costs $7.50 per month. The deductible is $480.
The Wellcare plan gaining attention this year is their prescription drug plan with a 3-star rating and is billed at $12.70 per month. This plan also has a $480 deductible.
Humana has a prescription drug plan with a 4-star rating. It’s billed at $22.70 each month with a deductible of $480. This is still one of the top 10 Part D plans and part of why everyone wants to work with Humana.
| 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 available for Medicare persons with a specific disease or characteristic that requires treatment. These plans are designed to meet the particular needs of this subgroup.
These plans aren’t available in all areas. SNP plans help people with chronic disabilities or special needs.
UnitedHealthcare offers a Dual enrollment SNP. The policy uses an HMO network and has a $0 premium, and the UHC Dual plan provides extra benefits like dental care, eye exams, and hearing aids.
Priority Health is offering a Dual enrollment SNP, using an HMO network and offering rich benefits with the extras you want, with a desirable $0 premium.
Reliance’s only doctor-owned plan offers a Dual program that utilizes an HMO network with a $0 premium. Reliance may be different, but that’s the allure since it provides a quarterly benefit toward healthcare-related products and companion services.
| PLAN | PREMIUM | MOOP | Plan Type | Eligibility |
| UnitedHealthcare | $0 | $7,550 | HMO | Dual |
| Reliance | $0 | $7,550 | HMO | Dual |
| Aetna | $0 | $7,550 | HMO | Dual |
| Priority Health | $0 | $7,550 | HMO | Dual |
| Hap Senior | $0 | $6,700 | HMO | Dual |
FAQs
Is Medicare supplemental insurance in Warren, Michigan, based on income?
No, Medicare supplemental insurance isn’t based on income. The premium is based on the beneficiaries’ zip code and age.
How much does a Medicare Advantage plan cost in Warren, Michigan?
Medicare Advantage plans are being offered in Warren, Michigan, that cost $0 premium. Medicare beneficiaries are still required to pay their Part B premium.
How much does Part D cost in Warren, Michigan?
One of the lowest-costing Part D drug plans is through Aetna, with a monthly premium of $7.50. Just because it’s the lowest in premium doesn’t mean the overall costs will be less.
How do Special Needs plans work in Warren, Michigan?
These plans are Medicare Advantage plans that are limited to persons with special needs or characteristics. Medicare and Medicaid cover beneficiaries of an SNP. In addition, the program is designed to meet the needs of this particular group.
How to Sign Up for Supplemental Medicare in Warren
With so many options to consider in Michigan Medicare, you’ll want to speak to a licensed broker. A licensed broker is contracted to work with all carriers. Our services are free, and we’re eager to help you compare your options so you can decide to best fit your lifestyle.
Contact us to get help enrolling in a Warren, Michigan, Medicare plan. You can either call or fill out our online request form.
