Medicare Help in Ann Arbor, Michigan

Ann Arbor residents have more Medicare plan options than most Michigan communities — and more ways to get confused by them. We're independent Medicare agents who shop the full market to find the right fit for your coverage, your doctors, and your budget.

Book a Free Consultation

Medicare Plans Available to Ann Arbor Residents

Ann Arbor sits in Washtenaw County, where a large concentration of health systems — including the University of Michigan Health system — means Medicare beneficiaries often have access to a strong range of plan networks. That's good news, but it also means more decisions to make. We help you sort through Medicare Advantage(Part C), Medicare Supplement (Medigap), and Medicare Part D prescription drug plans to find coverage that actually works for how you use healthcare.

Medicare Advantage in Ann Arbor

Medicare Advantage plans bundle your hospital, medical, and often prescription coverage into a single plan offered by a private insurer. In Washtenaw County, several carriers offer plans with access to University of Michigan Health and other regional providers. Networks vary significantly from plan to plan, so we always verify that your current doctors are included before recommending anything.

Medicare Supplement (Medigap) Plans

A Medicare Supplement plan — commonly called Medigap — works alongside Original Medicare (Parts A and B) to cover costs like deductibles, copays, and coinsurance. Medigap plans are standardized by the federal government, which means the benefits for a given plan letter are identical regardless of which insurance company sells it. Where carriers differ is in price. We compare rates across every carrier available in Ann Arbor so you're not paying more than you need to.

Medicare Part D Prescription Drug Plans

If you're enrolled in Original Medicare, you'll need a separate Part D plan to cover prescription drugs. Part D plans vary by formulary — the list of covered drugs — and by pharmacy network. We review your current medications against available plans in Washtenaw County to find the option with the lowest total out-of-pocket cost, not just the lowest premium.

Enrollment Periods — Deadlines That Matter

Missing a Medicare enrollment deadline can mean delayed coverage or a permanent late-enrollment penalty on your Part B or Part D premium. Whether you're turning 65, retiring, or losing employer coverage, the rules around your Initial Enrollment Period or Special Enrollment Period are specific and unforgiving. We walk you through the timeline before it becomes a problem.

Why Ann Arbor Residents Work With Us

We're an independent brokerage, which means we're not tied to any single carrier. We represent the full range of plans available in Washtenaw County and get paid the same regardless of which one you choose — so our only job is finding the right fit for you. Richard Duffield has more than 25 years of insurance experience and works directly with each client, not through a call center or a rotating team of representatives.

 

  • Independent broker — no carrier quotas, no pressure to favor one plan
  • More than 25 years of insurance experience
  • Personal service from Richard directly, before and after enrollment
  • Access to every Medicare plan available in Ann Arbor and Washtenaw County
  • Statewide Michigan reach for clients who split time between regions
Meet Our Team

What Ann Arbor Clients Say

Call us at 833-MIPLANS (833-647-5267) or book a free consultation online. There's no pressure and no cost — just a straightforward conversation about your coverage options and what makes sense for your situation.

Frequently Asked Questions — Medicare in Ann Arbor

  • Does the University of Michigan Health system accept Medicare?

    Yes, University of Michigan Health accepts Original Medicare. Whether a specific U of M provider is included in a Medicare Advantage plan depends on the carrier and plan — network participation varies, and we verify this for each client before making a recommendation.

  • What is the difference between Medicare Advantage and Medigap in Ann Arbor?

    Medicare Advantage replaces Original Medicare with a private plan that typically includes prescription coverage and may include dental, vision, and hearing benefits. Medigap supplements Original Medicare by covering cost-sharing gaps like deductibles and coinsurance. The right choice depends on your health usage, preferred doctors, and budget — we help you compare both side by side.

  • When can I enroll in a Medicare plan in Washtenaw County?

    Most people enroll during their Initial Enrollment Period, which runs for seven months around their 65th birthday. If you're still on employer coverage past 65, a Special Enrollment Period applies when that coverage ends. The Annual Enrollment Period each fall (October 15 through December 7) allows existing beneficiaries to switch plans.

  • Is there a cost to work with a Medicare agent in Ann Arbor?

    No. Our services are provided at no cost to you. We're compensated by the insurance carriers, and that compensation is the same regardless of which plan you select. You pay the same plan premium whether you enroll through us or on your own.

  • Can you help me if I live outside Ann Arbor but still in Washtenaw County?

    Yes. We serve clients throughout Washtenaw County and across all of Michigan, including areas like Ypsilanti, Saline, Chelsea, and beyond. We work by phone and video, so geography is rarely a barrier.
Talk to a Medicare Agent

Ready to Find the Right Medicare Plan in Ann Arbor?

Call us at 833-MIPLANS (833-647-5267) or book a free consultation online. There's no pressure and no cost — just a straightforward conversation about your coverage options and what makes sense for your situation.

Book Your Free Consultation