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Michigan Medicare Plans

Medicare Supplement (Medigap) Policies
Michigan requires insurers to offer at least one Medicare Supplement plan to adults under sixty-five afflicted with disability.

Mini-COBRA Policies (small group)
Michigan does not mandate continuation coverage for employees of small businesses.

Medicare Savings Program (premium support)
Michigan has three Medicare Savings Programs:

  • Qualified Medicare Beneficiaries (QMBs): For individuals with a monthly income under $903 and for couples with a monthly income under $1215, the state pays all premiums for Part B and all Co-Pays and Deductibles for Parts A & B
  • Specified Low-Income Medicare Beneficiaries (SLMBs): For individuals with income under $1083 or couples with income under $1457, the state pays premiums for Part B
  • Qualified Individuals (QIs): For individuals with income under $1219 or for couples with an income under $1640, the state pays premiums for Part B.

To qualify for any one of these programs, participants must have assets below $6600or be part of a couple with assets below $9910.

High-Risk Pool
The Health Insurance Program for Michigan is available to Michigan residents on the basis of medical eligibility.

State Health Insurance Assistance Program (SHIP)
MMAP (Michigan Medicare/Medicaid Assistance Program) is a free counseling service for Medicare/Medicaid beneficiaries and their caregivers. MMAP is funded through the Centers for Medicare and Medicaid Services, the Medicare agency and a grant from the Administration on Aging, and is not affiliated with the insurance industry. Nationally, this program is called the State Health Assistance Program (SHIP).

Low-Income Subsidy (“extra-help”) for Prescription Drugs:
This program is a subsidy for Part D recipients with resources under $13,070 (or $26,120 for a couple) to receive money towards a Medicare prescription drug plan. The benchmark of support is different depending on which region of the country you live in. In Michigan in 2012, the low-income subsidy was $34.37 per month.

If you live in Michigan, consult with one of our insurance specialists to get personal assistance that is specific to your area. One of our experienced specialists can compare plans in your area and help you find the Medicare insurance benefits that are right for your needs.