Lansing, Michigan, is the capital of Michigan and is centrally located in the state. You can get to Lansing in about 90 minutes of travel time from 90% of the state. In addition to being the capital, it’s also home to 133,105 Medicare beneficiaries. With an average age of 70 years old, 38.71% of Medicare members in Lansing are enrolled in a Medicare Advantage program.
Medicare plans in Lansing, Michigan
We will review the average cost of Medicare Advantage plans, the cheapest Medigap options, and the most affordable Part D plans in the area.
Then we will discuss special plans catered toward Medicare beneficiaries in Michigan with chronic health conditions. Remember that all data shown below is based on a 70-year-old female, and prices can vary based on age and sex.
Medicare Advantage plans
Ingham County covers most of Lansing, Michigan, and 41 Medicare Advantage plans are available in that county alone. 51,529 Medicare members in Lansing, Michigan, enrolled in Medicare Advantage programs, with 55.22% female enrollees.
Humana is one of the well-known healthcare providers in the nation. Michigan it’s no exception. That has several options available and several with a zero-dollar monthly premium. Their 4-star PPO is a great option for people on Medicare to choose if they want the freedom of visiting in-network and out-of-network providers.
Hap Senior is a small company that offers plans in Michigan. They have strong plans, low premiums, and a 4-star rating, showing that they care for their clients.
Mclaren is a new player in the Michigan Medicare market. They have several plans in the Lansing area. The carrier is so new that it has not yet been assigned a star rating. They look to be a solid company and here to stay.
The average cost of Medicare Advantage plans in Lansing, Michigan
| PLAN | PREMIUM | MOOP | Plan Type | Star Rating |
| Humana | $0 | $5,550 | LOCAL PPO | 4 |
| Hap Senior | $0 | $4,000 | HMO | 4 |
| Priority Health | $0 | $5,300 | LOCAL PPO | 4 |
| Mclaren | $0 | $5,200 | HMO | N/A |
| Aetna | $0 | $5,500 | LOCAL PPO | 4 |
Many people have a hard time believing that insurance options are free. For more information, check out our FAQs about how it works.
Medicare Supplement plans
Michigan Medicare Supplement plans provide the most comprehensive coverage available to people enrolled in Medicare Part A and B. The plans fill the gaps left over by Original Medicare.
There are ten plan options, and the coverage is federally regulated. This means no matter where you reside, the coverage must be the same. There are three exceptions, Minnesota, Wisconsin, and Massachusetts.
The most popular plans nationwide are Plans F, G, and N.
Many people refer to Plan F as the full coverage plan. This is because you pay nothing else except for your monthly premium. Medicare pays its portion, and Plan F pays yours. Plan F has a high deductible option for savvy Medicare members. Once the deductible is met, the coverage begins, and you will pay nothing more for the year for your health coverage.
Plan G is quickly catching on and is expected to pass Plan F as the most popular plan. With more affordable rates and only one difference in coverage, Plan G is poised to become the number one plan.
The plan that gives the most bang for your buck is Plan N. This plan makes the premiums slightly lower than the two mentioned above. There are a few out-of-pocket costs with Plan N, such as the Part B deductible and copays for the doctor and emergency room.
Unlike Plans F and G, Plan N doesn’t cover excess charges. Only about 3% of doctors charge excess charges, which are easy to avoid.
The average cost of Medicare Supplement plans in Lansing, Michigan
| LETTER PLAN | LOWEST PREMIUM | HIGHEST PREMIUM |
| PLAN A | $75.38 | $481.68 |
| PLAN B | $129.99 | $351.67 |
| PLAN C | $143.14 | $435.29 |
| PLAN D | $121.33 | $511.35 |
| PLAN F | $129.46 | $390.74 |
| PLAN HDF | $39.00 | $107.65 |
| PLAN G | $106.59 | $357.28 |
| PLAN HDG | $37.66 | $99.97 |
| PLAN K | $48.92 | $134.00 |
| PLAN L | $74.17 | $287.93 |
| PLAN M | $162.76 | $327.00 |
| PLAN N | $86.22 | $334.55 |
Medicare Part D prescription drug plans
The Medigap plans don’t include drug coverage in Michigan, so many Medicare members must choose a Part D prescription plan to cover their drugs. These plans are the fourth part of Medicare and are technically not required. However, if you opt not to include drug coverage, you will be assessed a penalty later when you do decide to buy drug coverage.
When choosing the right drug plan, the premium may not be the most important aspect. Each plan covers drugs differently, and the program with the lowest or highest premium may not be the best for you.
As for premiums, Aetna blows the competition out of the water with its SilverScript brand. At less than eight dollars a month, there is no lower plan. SilverScript and Aetna are owned by CVS, giving them a leg up in many ways.
Wellcare, recently acquired by Centene Healthcare, is growing rapidly and comes in second regarding the lowest premium. They aren’t only growing rapidly but have been putting time in to ensure their plans are competitive and help their members.
Clear Spring comes in with the third-lowest premium. They are fairly new and only have a 2-Star rating. We expect that as they gain more experience, they will continue increasing their plans’ quality.
The average cost of Medicare Part D plans in Lansing, 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
Did you know that Medicare Advantage plans cater to beneficiaries with special needs? In some cases, they are for people with low income and coordinate with Medicaid. Other programs are designed to help Medicare members with specific health conditions such as diabetes, COPD, or Chronic heart conditions.
These plans can have lower tiers for drugs for those health conditions, lower copays for specialist visits, or procedures affecting the health conditions they are designed for.
Special Needs plans for Medicaid Members will provide robust benefits and, in many cases, a zero-cost share and premium.
The average cost of Medicare Special Needs plans in Lansing, Michigan
| PLAN | PREMIUM | MOOP | Plan Type | Eligibility |
| Humana | $0 | $3,450 | HMO | Dual |
| Mclaren | $0 | $7,550 | HMO | Dual |
| Priority Health | $0 | $7,550 | HMO | Dual |
| Longevity Health | $31.50 | $6,700 | HMO | Institutional |
How to sign up for Medicare plans in Lansing, Michigan
Signing up for the right plan for you is crucial. Everyone has different needs, so there is no cookie-cutter best plan. Speaking with one of our licensed agents specializing in Medicare will help you decide.
We provide education and present you with options that fit your individual needs. You can reach one of our experts by calling or filling out our online request form.
