Detroit's Independent Medicare Agent

A local broker who shops every major Medicare plan in metro Detroit — so you get the right coverage, not just the easiest sale.

 

25+ Years of Medicare Experience

 

Independent Broker — Not Tied to Any Single Carrier

 

Serving Wayne County and All of Metro Detroit

 

Medicare can feel like a maze — especially when you're sorting through Medicare Advantage(Part C), Medicare Supplement (Medigap), and Part D prescription drug plans for the first time. We cut through the noise. As an independent brokerage, we compare plans from every carrier available in your zip code, explain your options in plain language, and help you enroll with confidence.

 

Detroit-area residents have access to a competitive Medicare market, including regional plans from carriers like HAP. We know this market well, and we make sure you're looking at the full picture — not just the plans one carrier wants to sell you.

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Medicare Plans Available to Detroit and Wayne County Residents

Whether you're turning 65, retiring, or leaving employer coverage, the right Medicare plan depends on your doctors, prescriptions, and budget. Here's what we help Detroit-area residents compare:

Medicare Advantage (Part C)

Medicare Advantage plans bundle your hospital, medical, and often drug coverage into a single plan through a private insurer. Many Detroit-area plans carry $0 premiums and include extras like dental and vision. We compare every plan available in your zip code — including HAP Medicare options — so you know exactly what you're getting before you enroll.

Medicare Supplement (Medigap)

Original Medicare covers roughly 80% of your medical costs. A Medigap plan covers most or all of the remaining 20%, giving you predictable out-of-pocket costs and the freedom to see any doctor who accepts Medicare — no network restrictions. We help Detroit residents compare Medigap plans across carriers to find the right balance of coverage and premium.

Medicare Part D — Prescription Drug Plans

Part D coverage is sold separately from Original Medicare, and the right plan depends entirely on which medications you take. We run your drug list against every Part D plan available in Wayne County so you're not paying more than you need to at the pharmacy.

Original Medicare (Parts A & B)

Parts A and B form the foundation of Medicare coverage. We walk you through what each part covers, what it costs, and how it works alongside any supplemental coverage you're considering. If you're new to Medicare, this is the right place to start.

Not Sure Where You're Starting? We Meet You Where You Are.

Medicare looks different depending on your situation. We work with Detroit-area residents across all of the most common transitions:

 

  • Turning 65 and enrolling in Medicare for the first time
  • Retiring or leaving a job and losing employer-sponsored health coverage
  • Already on Medicare and looking to switch plans or reduce costs
  • Moving to Michigan or relocating within the metro area

 

If you're not sure which situation fits you, call us. We'll figure it out together.

Talk to a Medicare Agent

Why Detroit Residents Work With MI Medicare Plans

  • Independent broker — we represent you, not any single insurance company
  • We compare every Medicare plan available in your Detroit zip code
  • 25+ years of insurance experience across Michigan
  • Personal service from Richard Duffield, your named agent, before and after enrollment
  • No pressure, no upsell — just a clear explanation of your options

Common Questions From Detroit-Area Medicare Shoppers

  • What Medicare Advantage plans are available in the Detroit area?

    Detroit and Wayne County residents have access to a competitive range of Medicare Advantage plans, including options from regional carriers like HAP as well as national carriers. Availability and plan details vary by zip code. We compare every plan available at your address so you're not missing a better option.

  • Is HAP Medicare a good choice in metro Detroit?

    HAP (Health Alliance Plan) is a well-established regional carrier with strong provider networks in metro Detroit. Whether it's the right fit depends on your specific doctors, medications, and budget. We can walk you through how HAP's Medicare plans compare to other options in your area before you decide.

  • What's the difference between Medicare Advantage and Medicare Supplement (Medigap)?

    Medicare Advantage replaces Original Medicare with a bundled plan through a private insurer, often at a lower premium but with network restrictions. Medigap works alongside Original Medicare to cover costs it doesn't pay, with no network limitations. The right choice depends on how you use healthcare and what matters most to you financially.

  • Do I need to live in Detroit to work with MI Medicare Plans?

    No. We serve all of Michigan, including the full lower peninsula and the Upper Peninsula. Detroit and Wayne County are part of our core market, but if you're elsewhere in the state, we can still help you compare and enroll in the right plan.

  • When can I enroll in Medicare in Michigan?

    Most people first enroll during their Initial Enrollment Period — a 7-month window that begins 3 months before the month you turn 65. If you're leaving employer coverage, you may qualify for a Special Enrollment Period. We explain all of your enrollment windows and help you avoid late-enrollment penalties.
Learn About Enrollment Periods

Ready to Compare Medicare Plans in Detroit?

We make it straightforward. Tell us your situation, and we'll walk you through every option available in your area — at no cost to you. Our compensation comes from the carriers, never from you.

 

Call us at 833-MIPLANS (833-647-5267), email richard@mimedicareplans.com, or book a time that works for you below.

Book a Free Consultation