Medicare Advantage Plans Michigan in 2023
Medicare Advantage plans in Michigan for 2023 are a great alternative to Original Medicare. These plans offer the same coverage as Medicare Parts A & B, but several plans also offer many additional benefits above that coverage.
The benefits of each plan vary by area, but with our website, you can easily shop for plans in your area and even enroll online.
With over 140 Medicare Advantage plans available in Illinois for 2023, it can get confusing!
We are your one-stop shop for finding the right plan, and our licensed experienced agents are just a phone call away to walk you through the process.
And the best part is, it’s FREE!
Medicare Advantage Plans in Michigan for 2023 may include:
- Dental coverage
- Vision Coverage
- Wellness Resources
- Prescription drug coverage
- Fitness programs
- Meals
- Transportation
The Four Main Types of Medicare Advantage Plans in Michigan in 2023 are:
- HMOs – Health Maintenance Organization
- PPOs – Preferred Provider Organization
- PFFS – Private Fee-for-Service
- SNPs – Special Needs Plans
In 2022 the average monthly premiums for Medicare Advantage plans in Michigan were around $13, though there are several plans that are only $0 per month.
Types of Medicare Advantage Plans in Michigan
Health Maintenance Organization – HMO Plans
Health Maintenance Organizations (HMO) are offered by many insurance companies in Michigan, and each plan has their own network of providers that you need to remain in to get coverage.
With HMOs, you select a primary care physician (PCP) who will also provide referrals to see a specialist if needed.
HMOs in Illinois all have different monthly premiums, though many offer a $0 monthly premium each month.
- Lower out-of-pocket costs
- You choose your primary doctor in-network (PCP)
- Many plans include prescription coverage
- Low monthly premiums – sometimes $0 per month
Preferred Provider Organization – PPO Plans
PPO plans are different in that they allow you to visit any doctor you wish, provided the provider is Medicare-approved and agrees to the terms of the plan. By remaining in and using doctors within the network, you likely will get reduced costs.
With PPO’s
- Visit any doctor or hospital that is Medicare-approved and accepts the plan’s terms
- Do not need a referral to see a specialist
- Often include prescription drug coverage
Private Fee-for-Service – PFFS Plans
PFFS plans allow you to see any doctor that is Medicare-approved, however, they must accept the terms of the plan.
With PFFS Plans:
- Visit Medicare-approved doctors who accept the plan’s services and terms
- Often includes prescription coverage
- Have affordable month premiums
Special Needs Plans – SNPs
SNPs were created for people with various diseases or health conditions. To enroll in a SNP you need to meet the plans’ qualifications.
With SNPs:
- Visit Medicare-approved doctors who accept the plan’s services and terms
- Often includes prescription coverage
- Have affordable month premiums
Some of the Best Medicare Advantage Plans in Michigan for 2023 are:
- Aetna
- Blue Cross Blue Shield
- Cigna
- Humana
- United Healthcare
Medicare Advantage Plan Enrollment for 2023
If you currently have a Medicare Advantage plan and are wanting to enroll in a different one, then you will need to wait until the Medicare open enrollment period (AEP) in most cases.
This period runs from October 15th – December 7th. Any enrollment change you make for a Medicare Advantage plan during this period will be effective on January 1st of the following year.
New to Medicare?
Anyone who is brand-new to Medicare can enroll in a Medicare Advantage plan and have it effective the same day that their Medicare begins. The easiest way to get started is to enter your zip code below or call us now.
That way you do not miss any enrollment periods.
