Michigan Medicare Help, Without the Runaround
We compare Michigan Medicare plans that best fit your region and medical needs.
Why Choose MI Medicare Plans?
Medicare is confusing by design. There are enrollment windows that can trigger lifetime penalties if you miss them, plan types that work very differently from each other, and dozens of carriers competing for your attention with advertising that doesn't always tell the full story. We cut through all of it.
Richard Duffield is an independent Medicare agent serving Michigan residents from the Detroit metro to Grand Rapids, Lansing, and beyond. Because we're not tied to a single carrier, we shop the full market on your behalf — comparing Medicare Advantage (Part C), Medicare Supplement (Medigap), and Part D prescription drug plans side by side so you can make an informed choice.
Whether you're turning 65 and enrolling for the first time, retiring and leaving employer coverage, or rethinking a plan you've had for years, we're here to walk you through it at whatever pace works for you.
25+
Independent Broker
All Major Carriers
Clients Supported
Through Every Enrollment Period
Serving All of Michigan
Upper and Lower Peninsula
Who We Work With Most
- Turning 65: If your 65th birthday is within the next few months, your Initial Enrollment Period is already open or opening soon. We help first-time enrollees understand their options and enroll before the deadline.
- Leaving a job or retiring: Employer coverage ending past 65 triggers a Special Enrollment Period with specific rules. We help you move to Medicare without gaps in coverage or late-enrollment penalties.
- Current beneficiaries comparing plans: If you're on a plan that no longer fits — or you've never compared what else is available — we'll run the numbers and show you what's changed.
- Michigan residents statewide: We serve clients across the lower peninsula and into the Upper Peninsula. If you're in Michigan, we can help.
Why Michigan Residents Work With Us
Being independent means we work for you, not for a carrier. We have no quota to fill and no preferred plan to push. When we recommend a plan, it's because it fits your situation — your doctors, your prescriptions, your budget.
Richard has been in the insurance industry for more than 25 years. He knows Michigan's Medicare market, the carriers operating here, and the questions that don't always make it into the brochures. When you call or book a consultation, you reach a person who can actually answer them.
- Independent broker — access to all major Medicare carriers in Michigan
- No pressure, no sales script — we go at your pace
- Ongoing support after enrollment, not just at signup
- Available by phone, email, or online scheduling
- Serving clients from Detroit to the Upper Peninsula
Frequently Asked Questions About Medicare in Michigan
What's the difference between Medicare Advantage and Medicare Supplement?
Medicare Advantage replaces Original Medicare with a bundled private plan, often with lower premiums but network restrictions. Medicare Supplement works alongside Original Medicare to cover your out-of-pocket costs, giving you more flexibility in which providers you can see. Our comparison page walks through both in detail.
When can I enroll in Medicare for the first time?
Your Initial Enrollment Period (IEP) is a 7-month window — it begins 3 months before the month you turn 65, includes your birthday month, and ends 3 months after. Enrolling during this window helps you avoid late-enrollment penalties on Part B and Part D.
Do I need Medicare if I'm still covered by my employer's health plan?
It depends on the size of your employer and your specific plan. Some people can delay Medicare without penalty; others cannot. If you're approaching 65 or already past it and still on employer coverage, talk to us before making any changes — the rules vary and the stakes are real.
Does MI Medicare Plans serve my area of Michigan?
No. Our services are free to you. We're compensated by the insurance carriers, and that compensation doesn't change based on which plan you choose — so our recommendation is always based on what's right for your situation.
Is there any cost to working with an independent Medicare agent?
No. Our services are free to you. We're compensated by the insurance carriers, and that compensation doesn't change based on which plan you choose — so our recommendation is always based on what's right for your situation.
Ready to Find the Right Medicare Plan?
Call us at 833-MIPLANS ((833) 647-5267), send a message, or book a time that works for you. There's no obligation — just a straightforward conversation about your options.
