Medicare Plans - Michigan
The best time to check into a Medicare Supplement Plan is before you are eligible for Medicare. If you are nearing age 65, the choices you make now can help you in the future. But choosing the correct supplemental insurance to meet your needs can be confusing and overwhelming. Fortunately, our trained agents are committed to helping you sort though all the options available.
Everyone 65 and older is entitled to the basic Medicare coverage, but typically it only covers about 64 percent of the annual health-care costs. Added to the expense not covered by Medicare, there are deductibles, co-payments, and coinsurance to pay. This is why many choose Medicare Supplement Plans and at D. E. Irwin Insurance Medigap/Health Brokers, we can assist you in your Michigan insurance coverages.
Medicare Supplement Plan Options Michigan
Both Medicare Part A and Part B were designed to help retirees with their Michigan health insurance. If you choose to add Medicare Part B, it is wise to add your supplements within the first 6 months. During this time the Medigap program must accept you and any preexisting conditions, known as "guaranteed issue rights". In most cases, as long as you continue paying the premiums you cannot be cancelled. After the 6 months, if you decide you want a supplement policy, you can be turned down for pre-existing conditions such as diabetes, heart disease, or cancer.
Michigan Medicare Supplemental Health Insurance has a wide variety of plans and is organized alphabetically with each plan designated with a single letter. Plans are designed to help with the cost of deductibles, co-payments, and coinsurance. Some plans offer prescription, vision, or dental coverage. The different plans offer the flexibility of choosing your own doctors and hospitals that accept Medicare patients and specialists, without referrals. You have the freedom to travel and take your coverage with you anywhere in the United States.
Rates for Medicare Supplement Plans can vary greatly between different carriers and are usually based on age, location, gender, and health. You don't have to sort through this alone, our agents at D. E. Irwin Insurance Medigap/Health Brokers are committed to searching for the best rates and coverage which are affordable and meet all your needs.
Medicare Advantage Plans - Michigan
Medicare Advantage is a health insurance program within Part C of Medicare. Medicare Advantage plans provide a managed care plan such as a health maintenance organization (HMO) as well as a preferred provider organization (PPO). People interested in Medicare Advantage plans must first sign up for both Parts A and B of Medicare. All three of these Parts of Medicare A, B and C are administered by private insurance companies.
Medicare Part A provides payments for in-patient hospital, hospice and skilled nursing services, excluding those of physicians and surgeons. Part B provides payments to physicians and surgeons in hospitals and skilled nursing facilities, as well as for medically necessary outpatient hospital services such as ER, laboratory, X-rays and diagnostic tests, certain preventative medical services, and certain durable medical equipment and supplies. Part C health plans, including Medicare Advantage plans, not only cover the same medical services as Parts A and B but also typically include an annual physical exam and vision and/or dental coverage of some sort not covered under Original Medicare. Less often, hearing and wellness benefits not found in Original Medicare are included in a Medicare Advantage plan. The most important difference between a Part C health plan and Original Medicare is that all Part C plans include a limit on how much a beneficiary will have to spend annually out of pocket; that amount is unlimited in Original Medicare.
MICHIGAN MEDICARE SUPPLEMENT SELF ENROLLER (OMAHA INSURANCE COMPANY)
D. E. Irwin Insurance Agency serves all of Michigan and will help you select the Medicare Advantage, Medicare Supplement (Medigap) or Prescription Drug plan that provides you the most value. Please call (248) 481-8214 to schedule your personal consultation.