Michigan Medicare Part D plans is one of the ways you can get prescription coverage with Medicare. In Michigan there are 1,616,861 Medicare beneficiaries enrolled in drug coverage.

While most people enrolled in Medicare have drug coverage, in Michigan, it breaks down to 1,108,313 use a stand-alone Part D plan while 530,765 get their prescription coverage through Medicare Advantage plans.

Michigan Medicare Part D Prescription Drug Plans

Michigan Medicare Part D plans are administered by private insurers such as Wellcare or UnitedHealthcare. Part D is one of the four parts of Medicare. These plans are coverage for prescription drugs that you get from your pharmacy.

Below we are going to discuss a few companies that have the lowest premium. Then we will talk about companies that have a zero-deductible, followed by plans that give you protection in the coverage gap.

Finally, we will cover low-income subsidies for drug coverage and the coverage phases of drug coverage.

Part D Plans with the Lowest Premium in Michigan

Aetna is one of the largest insurance companies in the United States, and is owned by CVS gives them a huge leg up when it comes to prescription drug coverage.

They have the lowest plan in America through their SilverScript brand coming in with a monthly premium of under eight dollars a month.

Wellcare has the second-lowest plan. With backing from their parent company Centene, they are solidifying themselves as a major player in the Medicare marketplace. Wellcare has the second-lowest premium in Michigan coming in just under $12.

SilverScript $7.50 $480 3 No
Wellcare $12.70 $480 3 No
Clear Spring $17.00 $480 2 No
Elixir $20.30 $480 3 No
Humana $22.70 $480 4 No

Part D Plans with a Zero-Dollar Deductible in Michigan

Drug plans can choose not to use a deductible in their coverage model. Several plans don’t have deductibles and we listed four below. We just discussed Aetna and Wellcare above but it comes as no surprise that they have options without a deductible as well.

UnitedHealthcare has been a leader in the Medicare space for many years. They are backed by AARP and have many loyal clients that love the service and coverage they provide.

BCBS of Michigan is a titan to run up against in Michigan. Since they only have coverage options in Michigan, they are uniquely suited to look deeper into the needs of Michiganders.

BCBS of Michigan members seem to be pleased with the customer service and the way they are treated by the company.

Aetna $64.10 $0 3 Yes
Wellcare $68.30 $0 3 No
UnitedHealthcare $94.90 $0 3 Yes
BCBS of Michigan $113.70 $0 4 No

Part D Plans with Gap Coverage in Michigan

Ah the dreaded coverage gap, you know the part of the Medicare drug program that congress is always saying they intend to close.

It still remains but is not near as bad as it used to be. It can still hurt your pocket when you fall into it. In the coverage gap, you pay 25% of the cost of the prescription.

The chart below shows insurance companies that offer Part D plans that give some protection through the coverage gap.

These plans will all have different coverage gap protection so speak with a licensed agent to see if these gap plans help with your drugs in the gap.

Again it’s no surprise to see Aetna and UnitedHealthcare on the list, but we see Cigna showing up on the list for the first time.

Cigna is one of the oldest insurance companies and has always committed itself to excellence in the customer experience. Cigna drug plans are hard to beat if you take certain prescriptions.

Coverage gap coverage may not be important to everyone, but for those beneficiaries that hit the coverage gap each year, one of these plans could potentially ease a financial burden.

UnitedHealthcare $28.60 $310 4 Yes
Cigna $61.50 $100 3 Yes
Aetna $64.10 $0 3 Yes
UnitedHealthcare $94.90 $0 3 Yes

Part D Plans with a Low-Income Subsidy in Michigan

Low-Income Subsidy, also known as Extra Help, is a federal program that assists low-income Medicare beneficiaries with their drug plan premiums, co-pays, deductibles, and co-insurances. There are several different levels of Low-Income Subsidy that determine how much you will have to pay.

Each state has a different limit the premiums can be lowered, but in many cases, if you are receiving the full Extra Help benefit you could have a zero-dollar premium.

As mentioned above the amount of the premium that is lowered is set individually by the state. Many plans will have a lower or even zero-dollar premium if you receive the Low-Income Subsidy.

Below are a few plan options that would qualify to have the premium and deductible reduced or even removed completely depending on your level of Extra Help.

At a glance, you can see the usual suspects and Clear Spring. Clear Spring is a relatively new company that is storming into the Part D market. They have good plans and are relatively new, but expect them to continue to improve and become a staple in Medicare Part D.

Aetna $26.60 $480 3 No
Wellcare $27.60 $480 3 No
Clear Spring $28.40 $480 2 No
Cigna $30.60 $480 3 No
UnitedHealthcare $30.90 $480 4 No

Beneficiaries that Fall into each Part D Coverage Phase in Michigan

Medicare Part D in Michigan has four phases that the Centers for Medicare and Medicaid Services, also called CMS, has outlined. All Medicare prescription drug coverage must fall within the guidelines of the coverage phases set forth.

Remember that the plans can elect to cover better than the standard guideline. For example, they don’t have to charge a deductible.

The four coverage stages are the Deductible, Initial, Coverage Gap, and Catastrophic.

The Deductible Phase allows plans to charge a deductible up to the limit set forth by CMS for the plan year.

Once the plan deductible is met, if applicable, you start the Initial Coverage Phase. During this phase, you will pay the plan copay or coinsurance set forth by the plan.

Once the cost of your drugs, not what you have paid, reaches the coverage gap limit set for the year, you will fall into the Coverage Gap Phase.

This phase is often referred to as the donut hole. Once you have paid your TROOP, meaning once you pay out of pocket the limit set you will pass through the coverage gap and start the Catastrophic Phase.

In the catastrophic phase, your drug costs are lowered again with a maximum of 5% of the cost of the drug.

Below you will see how many beneficiaries in Michigan fall into each phase annually.

Deductible Phase Initial Coverage Phase Coverage Gap Phase Catastrophic Phase
297,779 540,467 138,842 110,770

Cities in Michigan with Estimated Premiums for Medicare Supplement Plans

When deciding on Michigan Medicare Supplemental coverage, it’s helpful to see the numbers. So we’ve created charts for the following major cities:


How much does a drug plan cost in Michigan?

The drug plans will range in cost, and how they cover your prescriptions. The lowest cost Medicare Part D drug plan in Michigan is the SilverScript at $7.50. The most expensive prescription plan is BCBS of Michigan at $113.70.

Should I take a Part D plan in Michigan if I’m not taking any prescriptions?

You aren’t required to enroll in a Part D plan. If you are eligible and don’t enroll you will likely be assessed a penalty when you decide you need to enroll in one later on.

What’s the best Part D plan in Michigan?

Since everyone’s needs are different there isn’t a clear answer on what the best plan is. To ensure you get the best plan for your situation, speak to a licensed broker. They will be able to enter your prescriptions and show you which plans to cover them best.

How to Enroll in a Michigan Medicare Part D Plan

We all know that Medicare Drug coverage is among the most complex coverages to understand. Let us make it easy for you. Give us a call and one of our licensed experts can check your medications and provide you with the plans that fit what you take best.

We specialize in Medicare and enjoy helping make the process quick and easy for everyone. If now is not the best time, fill out our online request form and we’ll have a licensed agent reach out to assist.

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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.