Medicare services are a privilege that you have earned a right to enjoy. However, Medicare supplement insurance plans in Michigan do not cover all healthcare services and supplies. You would have to pay some coinsurance and deductibles before a Medicare pays its share, but certain costs such as emergency travel are covered in Medicare supplement insurance plans in Michigan. These plans are easily assessable depending on your zip code, so having an idea of the services Medigap covers in Michigan would help you select a plan that best fits your health and budget needs.
The 10 Plans Of Medicare
Michigan Medicare supplemental insurance plans are designed to cover the costs of Medicare beneficiaries for Part A and B (Original Medicare) which are associated with costs including deductibles, coinsurance, and copayments. However, these plans do not cover Part C (Medicare Advantage) costs. There are 10 approved and standard Medicare Supplemental insurance plans available in the 47 states of the United States, including Michigan, and each Medicare plan is identified using one of 10 letters (A, B, C, D, F, G, K, L, M, and N)with supplement plans of the same letter offering the same Medicare services.
Be Aware Of The Open Enrollment Period
In order for you to be eligible for any Medicare Services in Michigan, you would have to be enrolled in Original Medicare which includes Part A and Part B. The best time to enroll for Original Medicare is your Medigap Open Enrollment Period and this period starts on the first day of the month that they are both 65 years old and are enrolled in Medicare Part B. The enrollment period usually lasts for six months during which you would have a guaranteed-issue right which would allow you enroll in any Medigap plan available in your area. While you cannot be denied medical coverage altogether due to your health status or be required to undergo a medical underwriting process, you may be denied medical coverage if you try to enroll or switch medical plans outside the Medigap Open Enrollment Period except you have guaranteed-issue rights.
Original Medicare Still Matters
Understanding that Medicare insurance plans are meant to supplement Original Medicare and not to replace it would help you seize the opportunity the plan offers. It is important that you remain enrolled in your hospital’s Original Medicare and medical coverage and continue paying your Medicare Part B to sustain this medical coverage. Also take note that Medicare plans in Michigan do not offer coverage for prescription drugs, so if you need such coverage, it would be best to consider enrolling in a stand-alone Medicare Part D Prescription Drug Plan.
We can help you with any Medicare or Medigap related questions you might have. We can even recommend a plan right for your needs. Give us a call at 877-202-9248 or visit our website at www.emedicare-supplemental-insurance.com.