Finance

Medicare Advantage Plans in Michigan

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Greater than 2.1 million individuals in Michigan are signed up for Medicare, making it one of many high 10 states by way of Medicare beneficiaries.

Medicare is the federal government well being care program for individuals age 65 and older. Medicare Benefit is an all-in-one various to Medicare that gives all the identical advantages and often some extras, comparable to dental and imaginative and prescient protection.

Medicare Benefit plans supply extra advantages than Unique Medicare, and they’re usually cheaper than paying for Medicare and a Medicare Complement plan. Nonetheless, they provide much less flexibility because you’ll have to get care from throughout the plan’s community of suppliers. Weigh your choices to find out what plan most closely fits your wants.

What to find out about Medicare in Michigan

With about 1 in 6 individuals in Michigan being over age 65, the state presents quite a lot of Medicare and Medicare Benefit plans.

  • The common month-to-month premium in 2021 for a Medicare Benefit plan in Michigan is $38.

  • There are 169 Medicare Benefit plans out there in Michigan in 2021. (That is up from 156 plans in 2020.)

  • All Medicare-eligible individuals in Michigan have entry to a $0-premium Medicare Benefit plan.

Medicare Benefit suppliers in Michigan

High-rated Medicare Benefit plans in Michigan

Annually, the Facilities for Medicare & Medicaid Companies, or CMS, awards each Medicare Benefit plan a star ranking on a scale of 1 to five, with 5 being a top-rated plan. Beneath are plans that obtained high marks in Michigan for the 2021 plan yr. (Try extra details about Medicare star scores.)

5-star plans

The plans beneath are rated 5 stars out of 5 by the CMS:

  • UnitedHealthcare: Erickson Benefit Freedom, Erickson Benefit Liberty with Medicine, Erickson Benefit Liberty with out Medicine, Erickson Benefit Signature with Medicine.

4.5-star plans

The plans beneath are rated 4.5 stars out of 5 by the CMS:

  • HAP Senior Plus: HAP Selection Medicare – West Michigan, HAP Major Selection Medicare, HAP Senior Plus, HAP Senior Plus Henry Ford Tiered Entry, HAP Senior Plus Medical Solely, HAP Senior Plus Choice 1, HAP Senior Plus Choice 2.

  • UnitedHealthcare: AARP Medicare Benefit Open.

How to decide on a Medicare Benefit plan

  • How a lot are the plan’s prices? Do you perceive what the plan’s premium, deductibles, copays and/or coinsurance might be? Are you able to afford them?

  • Is your physician in-network? In case you have a most well-liked physician (or medical doctors) or hospital, be certain that they take part within the plan’s community.

  • Are your prescriptions lined? For those who’re on remedy, perceive how the plan covers it. What tier are your pharmaceuticals on, and are there any protection guidelines that apply to them?

  • Is there dental protection? Does the plan supply routine protection for imaginative and prescient, dental and listening to wants?

  • Are there extras? Does the plan supply any additional perks, comparable to health memberships, transportation advantages or meal supply?

Medicare Benefit suppliers

Get extra info beneath about a number of the main Medicare Benefit suppliers:

In case you have extra questions on Medicare, go to Medicare.gov or name 800-MEDICARE (800-633-4227, TTY 877-486-2048).

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