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Medicare in Michigan

If you live in Michigan and have Original Medicare, you may have private Medicare options as well, depending on your location and the county you reside in. Certain kinds of coverage, including drug coverage, are only available through private Medicare plans.

Original Medicare for Michigan beneficiaries

Original Medicare is a government program that provides health coverage to adults over 65 and certain disabled individuals. Original Medicare is administered by the federal government, so costs and benefits work the same way across the country. Generally, you'll be able to see any provider that is enrolled in the Medicare program and accepts Medicare patients.

Medicare eligibility requirements are the same for all states, including Michigan:

*People under 65 may qualify for Medicare if they have amyotrophic lateral sclerosis (Lou Gehrig's disease) or end-stage renal disease (ESRD), or they have received disability benefits for 24 months.

Original Medicare comes with two parts, Part A (hospital insurance) and Part B (medical insurance). Most people automatically get Part A without a monthly premium if they've worked 10 years (40 quarters) and paid Medicare taxes. If you don't qualify for premium-free Part A, you can still enroll and pay a monthly premium. Part B always comes with a premium.

Part A benefits include:

Part B benefits include:

Original Medicare generally doesn't cover the following benefits:

Some of the above benefits may be available through private Medicare plans. For example, Medicare prescription drug coverage is only available through private insurance companies.

In Michigan, as in the rest of the country, Medicare-eligible individuals can enroll in Original Medicare during the following periods:

You can enroll in Medicare through Social Security:

Medicare private insurance in Michigan

Original Medicare beneficiaries in Michigan may also have private Medicare options available. The specific plans available to you will depend on your county and zip code.

Here is an overview of some of the main kinds of Medicare private insurance:

Michigan resources for Medicare beneficiaries

According to, Michigan beneficiaries can refer to the following resources for additional information:

To find a Medicare Advantage plan, prescription drug plan, or Medigap plan in Michigan, you can:

Learn more about how Medicare plans work in Michigan, including:

Medicare has neither reviewed nor endorsed this information.

To learn about Medicare plans you may be eligible for, you can:

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