Motor city is home to 315,111 Medicare members with an average age of 70. In Detroit, there are 151,548 beneficiaries enrolled in a Medicare Advantage program. That means 48.09% of Detroit’s residents on Medicare enroll in a Medicare Part C plan.
Medicare Plans in Detroit, Michigan
We’ll be covering the cheapest Medicare Advantage plans for Michigan in Detroit. Then we’ll discuss the average costs of Medigap plans in the area. Following that, we’ll discuss Detroit’s most affordable Part D plans.
Finally, we’ll show you the special needs plans and how to enroll in a Medicare plan if you’re in Detroit. The information below is based on a 65-year-old Woman.
Medicare Advantage plans
Detroit is located in Wayne County and has a whopping 63 Medicare Advantage plan options. The chart below shows some of the cheapest Medicare Part C plans available.
Hap Senior is a smaller company that only offers plans in Michigan. In many cases, these smaller carriers have excellent programs in their specialized areas. As you can see below, their Local PPO has a 4-Star rating and a zero-dollar premium.
Reliance Medicare Advantage plans are another smaller Medicare Advantage company. They were created by doctors who aim to put their patients first.
The carrier is fairly new to the Medicare market; hence no star rating yet. They have a couple of Medicare Part C options available.
is regarded as one of the top Medicare plan providers in the nation. Backed by, is one of the most recognized Medicare Advantage companies in the United States.
With many options and a strong financial position, they have the means to see their clients’ needs are met.
The average cost of Medicare Advantage plans in Detroit, Michigan
| PLAN | PREMIUM | MOOP | Plan Type | Star Rating |
| Hap Senior | $0 | $6,500 | LOCAL PPO | 4 |
| Reliance | $0 | $5,900 | HMO | N/A |
| $0 | $5,500 | LOCAL PPO | 5 | |
| Ascension | $0 | $2,900 | HMO | N/A |
| Wellcare | $0 | $3,450 | HMO | 3 |
Medicare Supplement plans
Medicare Supplements in Michigan are another option to control your out-of-pocket costs Medicare. They allow you to add additional insurance to fill in the holes left over by Original Medicare.
That’s why they have earned the nickname Medigap. Medicare Supplement plans don’t cover prescription drugs, so it’s essential to make sure you choose a drug plan to go along with it.
Plan F is known as the full-coverage Medigap option; for anything that Medicare covers, your Plan F will pick up the remainder of the cost. Plan F is no longer available to people starting Medicare, so not everyone has it as an option.
Coming in second in popularity is Plan G. Although technically 2nd, it has been gaining ground on Plan F for many years. Its coverage is identical to F, except G doesn’t cover the Medicare Part B deductible. In most states, the cost difference is still a significant saving even after you factor in the deductible.
Last but not least, we have Plan N. With coverage similar to Plan G, it’s the most cost-effective option. It does entail a little more out-of-pocket costs, but as you can see below, there are significant savings. This is a no-brainer for beneficiaries who don’t mind a $20 copay when they see their doctor.
The average cost of Medicare Supplement plans in Detroit, Michigan
| LETTER PLAN | LOWEST PREMIUM | HIGHEST PREMIUM |
| PLAN A | $68.45 | $465.37 |
| PLAN B | $118.17 | $359.13 |
| PLAN C | $141.50 | $421.70 |
| PLAN D | $115.58 | $495.35 |
| PLAN F | $136.71 | $405.37 |
| PLAN HDF | $32.00 | $90.72 |
| PLAN G | $113.44 | $342.50 |
| PLAN HDG | $32.00 | $84.25 |
| PLAN K | $44.36 | $117.69 |
| PLAN L | $80.33 | $284.40 |
| PLAN M | $142.42 | $312.09 |
| PLAN N | $91.53 | $334.55 |
Medicare Part D prescription drug plans
Michigan Medicare Part D plans to cover your prescription drugs. They are optional, but if you choose to go without them, you’ll be penalized when you decide to choose one later. Medicare Part D plans have four phases as you process your drug costs. The four phases include a deductible, initial, coverage gap, and catastrophic phase.
Aetna has the lowest plan nationwide with its SilverScript brand. Aetna is one of the most well-known and respected insurance companies around. With the backing of CVS, their parent company, they have a lot of pull and insight.
Wellcare has the drug plan with the second-lowest premium in 2020. They are part of the Centene family and have several other companies under their umbrella, and they’re becoming a juggernaut in the Medicare Space.
Clear Spring jumped into the Medicare game a few years ago, they have had a few bumps and bruises as a new company, but their drug coverage is second to none. Depending on your current prescriptions, Clear Spring may be your clear choice.
The average cost of Medicare Part D plans in Detroit, Michigan
| PLAN | PREMIUM | DEDUCTIBLE | STAR RATING |
| Aetna | $7.50 | $480 | 3 |
| Wellcare | $12.70 | $480 | 3 |
| Clear Spring | $17.00 | $480 | 2 |
| Elixir | $20.30 | $480 | 3 |
| Humana | $22.70 | $480 | 4 |
Special Needs Plans
Special Needs Plans are Medicare Advantage plans designed for Michigan Medicare beneficiaries with specific health conditions or low-income situations. These plans can cover certain prescriptions and treatments better than standard Medicare Part C plans.
If you have a health condition such as COPD or diabetes, check with a licensed insurance broker to see what’s available. SNPs aren’t available in all areas, so we recommend speaking with an agent.
is one of the few providers that allow a Dual-Eligible Medicare Advantage plan as a PPO. This is a major difference between them and many other insurance providers. This gives the Medicare-Medicaid beneficiary more freedom when using the program.
We happen to have two options for Dual-Eligible PPOs in Detroit. Wellcare is the other company that provides access to a D-SNP PPO. It’s rare to have two carriers with this option in one area.
Zing Health is a smaller company with a strong presence in Detroit with its Chronic Care Special Needs Plan. With a Zero-dollar premium and $4,200 maximum out-of-pocket, you may find them to be a good fit for your needs.
The average cost of Medicare Special Needs plans in Detroit, Michigan
| PLAN | PREMIUM | MOOP | Plan Type | Eligibility |
| $0 | $7,550 | LOCAL PPO | Dual | |
| Wellcare | $0 | $3,450 | LOCAL PPO | Dual |
| Align | $0 | $4,700 | HMO | Chronic or Disabling |
| Zing Health | $0 | $4,200 | HMO | Chronic or Disabling |
| Mclaren | $0 | $7,550 | HMO | Dual |
How to sign up for Medicare plans in Detroit
If you’re looking for help deciding or enrolling in a Medicare plan, we can help. We have access to all the carriers available and can help guide you through the process.
Our Licensed Agents specialize in Medicare and will educate you on your options. We can assist you with finding the plan that fits your needs and even helps enroll you.
Give us a call, or fill out our online request form. We’re here to guide you through the process and make it easier.
