The Best Medicare Supplement (Medigap) Plans in Michigan

Christian Worstell
In this article...
  • In Michigan, Medicare supplement insurance helps seniors manage medical expenses. Let our review of Michigan's Medigap plans help you find the right plan for your needs and budget.

Original Medicare (Parts A and B) provides health care benefits for many U.S. seniors and younger beneficiaries, but they can leave beneficiaries with high out-of-pocket costs associated with copays, coinsurance and deductibles.

Medicare Supplement insurance, or Medigap, are private insurance plans designed to work alongside Original Medicare, helping to pay Medicare copays and other costs. 41% of Original Medicare beneficiaries in Michigan are enrolled in a Medigap plan.1

If you’re thinking about purchasing a Medigap plan from one of the many insurance companies that offer these policies throughout Michigan, the information in this article is meant to give you the knowledge you’ll need to select the plan that’s best for you.

Have Medicare questions?

Talk to a licensed agent today to find a plan that fits your needs.

What Are the Best Michigan Medicare Supplement Plans?

If you want to choose the plan that will work best for you, you’ll need to understand the basics of Medicare supplement insurance. Regardless of who you purchase a policy from, each Medigap plan is one of 10 standardized types, identified by a letter ranging from A to N, and benefits vary by plan.

Medicare Supplement Insurance Plans 2024
Medicare Supplement Benefits A B C1 D F1 G K L M N
Part A coinsurance and hospital costs
Part B coinsurance or copayment 50% 75%
First 3 pints of blood 50% 75%
Part A hospice care co-insurance or co-payment 50% 75%
Co-insurance for skilled nursing facility     50% 75%
Medicare Part A deductible   50% 75% 50%
Medicare Part B deductible                
Medicare Part B excess charges                
Foreign travel emergency     80% 80% 80% 80%     80% 80%
1. Plans C and F are not available to new beneficiaries who became eligible for Medicare on or after January 1, 2020.
2. Plans F and G also offer a high deductible plan which has an annual deductible of $2,800 in 2024. Once the annual deductible is met, the plan pays 100% of covered services for the rest of the year. The high deductible Plan F is not available to new beneficiaries who became eligible for Medicare on or after January 1, 2020.
3. Plan K has an out-of-pocket yearly limit of $7,060 in 2024. Plan L has an out-of-pocket yearly limit of $3,530 in 2024.
4. Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to $50 for emergency room visits that don’t result in an inpatient admission.
View an image version of this table.

Medigap Benefits

Each Medigap plan offers the same foundation of benefits, covering all or some of the following charges:

  • Hospice care copays
  • Part A and B coinsurance
  • 365 additional days of inpatient hospital coverage

Additional benefits vary by plan type. For example, Plan C reimburses policyholders for skilled nursing facility care coinsurance, but Plans A and B don’t. The coverage amount for each benefit may also vary from plan to plan, typically ranging from 50% to 100% of the cost that remains after Medicare reimbursement.

Depending on the letter of your plan, you may receive reimbursement for all or some of the following charges:

  • Part A and B deductibles
  • Skilled nursing facility care coinsurance
  • Charges exceeding the Medicare Part B approved amount
  • Medical care administered while traveling outside the United States

Limitations or restrictions may apply to some covered benefits under the terms of certain plans. The chart below offers a more comprehensive breakdown of Medigap benefits by plan letter.

The Most Popular Medigap Plans

Because Medigap plans differ in covered services, coverage amounts, and premiums, some plans are more popular than others. In general, the most popular Medigap plans are Plans F, G and N. That may be due to having lower premiums, which may attract seniors who wish to purchase a Medigap plan but who must stick to a strict budget when doing so.

In addition to the foundation benefits that every Medigap plan provides, Plans F, G and N all offer numerous benefits, including:

  • Coverage of the Part A deductible
  • 100% of the coinsurance for skilled nursing facility care
  • 80% of foreign travel exchange
  • Coverage of blood required for transfusions

Although these three plans may be less costly to purchase, they may come with higher deductibles, which means there's an additional outlay of money before reimbursement begins. Plans F, G and N also don’t have out-of-pocket limits, which may not be ideal for seniors requiring extensive long-term medical care.

Plan F was only open to new enrollees before January 1, 2020. If you were eligible for Medicare prior to that date but hadn’t yet enrolled, you may still be able to purchase this type of plan.

Comparing Insurance Companies

Medigap plans are standardized, so coverage under a specific plan type remains the same no matter which company issues the policy. Essentially, if you’re choosing between insurance companies, the main difference is the price of the policy and the types of policies available because not all insurers offer the same selection of policies. Although all companies that sell Medigap policies must offer Plans A, C and F, other plan types may vary by insurer.

How Do I Enroll in a Michigan Medigap Plan?

Enrollment in Medigap is done through private insurance companies. Plans are available to Medicare Part A and B enrollees. If you’re enrolled in a Medicare Advantage plan, you aren't eligible to purchase a Medigap policy.

Your Medigap Open Enrollment Period

No matter which insurance company you purchase a plan from, the best time to buy a Medicare Supplement plan is during your Medigap open enrollment period, especially if you're a senior with underlying medical issues that may brand you a high risk for insurance.

During your Medigap open enrollment period, insurance companies who offer Medigap plans may not use medical underwriting processes to determine eligibility or set premium rates, and all applicants must be charged the same rate for similar plans, regardless of their health.

Your Medigap open enrollment period lasts for six months, starting on the first day of the month in which you are at least 65 years old and are enrolled in Medicare Part B.

However, if you’re still receiving your medical benefits through an employer or union at age 65, you may be able to delay your Medicare Part B enrollment until your coverage ends. In this case, your six-month Medigap enrollment period will typically begin when you enroll in Medicare Part B.

Have Medicare questions?

Talk to a licensed agent today to find a plan that fits your needs.

What Happens After Your Medigap Open Enrollment Period?

If you don’t purchase a plan during your Medigap open enrollment period, you may still be able to get a Medigap policy, but you may have to go through medical underwriting. For anyone with underlying medical issues, this can result in higher premiums or even coverage denial.  

There are exceptions, however. Some enrollees may be protected by guaranteed issue rights, which let certain beneficiaries sign up for Medigap coverage outside the open enrollment period without the risks associated with medical underwriting.

Guaranteed issue rights may apply to beneficiaries in the following categories:

  • Medicare Advantage enrollees who lost coverage due to a discontinued plan or a change in the plan’s service area and subsequently enrolled in Original Medicare.
  • Medicare Advantage enrollees who moved out of their plan’s service area and subsequently enrolled in Original Medicare.
  • Medicare Advantage enrollees who exercised a trial right and switched back to Original Medicare within the first year.
  • Former Medigap policyholders who lost their supplemental insurance for reasons outside of their control.
  • Former Medigap policyholders who terminated their coverage because of an insurer’s misleading policies or unwillingness to adhere to federal guidelines.
  • Medicare-eligible individuals who lost the group coverage they were using to supplement Original Medicare.

If you’re protected under one of these guaranteed issue rights, let your potential Medigap provider know immediately. You may enroll in a Medigap plan as early as 60 days before losing your current coverage and up to 63 days afterward.

  1. AHIP. (Feb, 2023). The Sate of Medicare Supplement Coverage Trends in Enrollment and Demographics.

Christian Worstell
About the Author

Christian Worstell is a senior Medicare and health insurance writer with He is also a licensed health insurance agent. Christian is well-known in the insurance industry for the thousands of educational articles he’s written, helping Americans better understand their health insurance and Medicare coverage.

Christian’s work as a Medicare expert has appeared in several top-tier and trade news outlets including Forbes, MarketWatch, WebMD and Yahoo! Finance.

While at HelpAdvisor, Christian has written hundreds of articles that teach Medicare beneficiaries the best practices for navigating Medicare. His articles are read by thousands of older Americans each month. By better understanding their health care coverage, readers may hopefully learn how to limit their out-of-pocket Medicare spending and access quality medical care.

Christian’s passion for his role stems from his desire to make a difference in the senior community. He strongly believes that the more beneficiaries know about their Medicare coverage, the better their overall health and wellness is as a result.

A current resident of Raleigh, Christian is a graduate of Shippensburg University with a bachelor’s degree in journalism. You can find Christian’s most recent articles in our blog.

If you’re a member of the media looking to connect with Christian, please don’t hesitate to email our public relations team at

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