Here’s the Rundown: If you live in Michigan and have Original Medicare, you may have other coverage options as well. These options will depend on where you live in Michigan.
Your options for Medicare in Michigan may include:
- Original Medicare (Parts A & B) and
- Medicare Supplement (Medigap) insurance plans and
- Stand-alone Part D prescription drug plans or
- All-in-one Medicare Advantage plans
Read on to learn about some of the options you may have for Medicare in Michigan.
Original Medicare in Michigan
Original Medicare is a government health insurance for people 65+ and for certain people under 65 with certain disabilities and illnesses.
Because Original Medicare is a federal program, it works the same way across the country.
Generally, you’ll be able to see any doctor or health care professional that accepts Medicare assignment.
To get Medicare:
- You must be age 65 or older*.
- You must be a United States citizen or a permanent resident of at least five years.
*People under age 65 may get Medicare if they have ALS or ESRD or if they have been getting disability benefits for 24 months.
What is covered by Original Medicare in Michigan?
Original Medicare comes with two parts: Part A (hospital insurance) and Part B (medical insurance).
Part A benefits cover things like:
- Hospital care
- Skilled Nursing Facility (SNF) stays
- Medications you get in the hospital or a SNF
- Some home health care
- Hospice care
Part B benefits include:
- Doctors’ visits
- Preventive care
- Lab tests
- Durable medical equipment, like wheelchairs
- Mental health care
Original Medicare doesn’t cover everything, like:
- Prescription medications
- Hearing aids
When can I enroll in Medicare in Michigan?
Some people are automatically enrolled in Medicare.
If you aren’t automatically enrolled by the government, you can apply for Medicare during these 3 times:
- Initial Enrollment Period: This time runs from 3-months before your 65th birthday, though your birthday month, and the 3 months after your birthday.
- General Enrollment Period: This period happens every year from January 1st through March 31st.
If you get Medicare during this time, your coverage will start on July 1st.
If you don’t sign up for Original Medicare when you are first able to, you may have to pay a late enrollment penalty.
Special Enrollment Period: If you had coverage through your job and didn’t enroll during your Initial Enrollment Period, you may qualify for a Special Enrollment Period.
This is an 8-month period of time when you can get Medicare. You may not have to pay a late enrollment penalty if you sign up during a Special Enrollment Period.
How do I enroll in Medicare?
You can enroll in Medicare through Social Security:
- Online at the Social Security website. You can apply for Medicare at the same time that you apply for retirement. If you’re not ready to retire, you can submit an application for Medicare only.
- By phone at 1-800-772-1213.If you are a TTY user, dial 1-800-325-0778. Call Monday through Friday, from 7AM to 7PM, to speak with a Social Security representative.
If you worked for a railroad, you can call the Railroad Retirement Board (RRB) to apply for Medicare. The RRB can be reached at 1-877-772-5772; TTY users 1-312-751-4701. RRB representatives are available Monday through Friday, 9AM to 3:30PM.
- In person at a local Social Security office. To find local offices in Michigan, click here.
Medicare in Michigan Plan Options
You may also have the option to get Medicare through private insurance companies.
Your options may include:
- Medicare Part C: This is also called Medicare Advantage. These plans give you at least the same amount of coverage as Original Medicare.
Some plans include extra benefits (for example, routine vision or dental).
Depending on where you live in Michigan, you may be able to get a Medicare Advantage plan for $0 per month.
- Medicare Advantage with prescription drug coverage:Some Medicare Advantage plans come with prescription drug coverage. This means you will get your hospital, medical, and prescription drug coverage all in one plan.
- Medicare Part D: These types of plans provide for optional prescription drug coverage. If you have Original Medicare or a Medicare Advantage Plan without drug coverage, you may want to get a stand-alone Part D plan.
- Medicare Supplement (Medigap): If you decide to stay with Original Medicare, another option you may have is to sign up for a Medicare Supplement (Medigap) insurance plan. These plans help pay for Original Medicare’s out-of-pocket costs.
Medicare in Michigan: Resources
If you need help or information, you can use these links:
Michigan Department of Community Health: Get information on Medicare Savings Programs, which help people with limited income to pay for Medicare costs.
Michigan Medicaid: Learn about the Michigan Medicaid State Plan and health coverage options for low-income individuals and families.
Medicare/Medicaid Assistance Program (MMAP): Find education resources for older adults and disabled individuals. These resources include free counseling for Medicare, Medicaid, and health insurance questions.
Michigan Department of Insurance and Financial Services: Find information on health insurance companies in the state. You can find insurer ratings and learn how to file a complaint.
Learn more about how Medicare plans work in Michigan, including:
- Medicare Advantage plans in Michigan
- Medicare Supplement (Medigap) insurance plans in Michigan
- Medicare Part D plans in Michigan
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