Medicare Supplement Plans That Fill the Gaps Original Medicare Leaves Behind

Medicare Supplement insurance — also called Medigap — covers the out-of-pocket costs that Original Medicare (Parts A and B) doesn't pay, including deductibles, copayments, and coinsurance. As an independent broker serving all of Michigan, we shop multiple carriers to find the plan that fits your health needs and your budget.

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What Medicare Supplement Insurance Actually Covers

Original Medicare pays a large share of your medical costs, but it doesn't cover everything. After Medicare pays its portion, you're left responsible for the remainder — and those costs can add up quickly if you're managing a chronic condition or facing a hospitalization. A Medicare Supplement plan steps in to cover some or all of what's left, depending on the plan you choose.

 

Depending on your plan, Medigap can cover:

 

  • Part A hospital coinsurance and extended hospital costs up to 365 days after Medicare benefits are used
  • Part B coinsurance or copayments for doctor visits and outpatient services
  • Part A and Part B deductibles (varies by plan)
  • Skilled nursing facility care coinsurance
  • Foreign travel emergency care (up to plan limits)
  • Blood (first 3 pints)

 

Medigap plans do not cover prescription drugs. For drug coverage, you'll need a separate Medicare Part D plan — something we can help you select alongside your supplement.

Standardized Plans Mean the Benefits Are the Same — Only the Price Differs

Every Medicare Supplement plan sold in Michigan is standardized by the federal government. That means a Plan G from one carrier covers exactly the same benefits as a Plan G from any other carrier. The only differences between carriers are the monthly premium, their financial strength, and the quality of their customer service.

 

This is important because it means you should never pay more than necessary for the same coverage. Our job is to compare what every carrier in your area charges for the plan you need — and find you the best rate.

The Most Popular Medigap Plans in Michigan

Most Michigan residents enrolling in a Medicare Supplement plan today choose between Plan G and Plan N. Here's what distinguishes them.

Plan G — The Most Comprehensive Coverage Available to New Enrollees

Plan G covers nearly everything Original Medicare doesn't, including the Part A deductible, hospital coinsurance, skilled nursing facility coinsurance, and Part B coinsurance. The only cost you're responsible for is the Part B deductible (set at $283 in 2026), which you pay once per year. After that, most of your covered medical expenses are paid in full. Plan G is the most popular Medigap plan in the country for good reason — it delivers predictable costs and broad coverage.

Plan N — Strong Coverage With Lower Monthly Premiums

Plan N offers coverage similar to Plan G, with two differences: you pay a copayment of up to $20 for some office visits and up to $50 for emergency room visits that don't result in a hospital admission. In exchange, Plan N typically carries a lower monthly premium than Plan G. For people who are generally healthy and don't visit the doctor frequently, Plan N can deliver meaningful savings over time.

How Medigap Enrollment Timing Affects Your Options

When you enroll in a Medicare Supplement plan matters — sometimes as much as which plan you choose. Federal rules give you a window of guaranteed issue rights, during which no carrier can deny your application or charge you more based on your health history.

 

Your Medigap Open Enrollment Period begins the month you turn 65 and are enrolled in Medicare Part B. It lasts six months. During this window, you have guaranteed issue rights — meaning any carrier must accept your application regardless of pre-existing conditions or medical history. Once this window closes, most carriers in Michigan can use medical underwriting to review your health history before approving your application, and some conditions may result in a higher premium or a denial.

 

If you're turning 65 soon, or if you're approaching the end of your six-month window, timing your enrollment correctly is one of the most important decisions you'll make. We walk you through the deadlines and make sure you don't leave your guaranteed issue rights on the table.

Why an Independent Broker Makes a Real Difference Here

Medicare is not a single plan. It is a system of parts, each covering a different slice of your healthcare costs. Understanding how they fit together is the first step to choosing coverage you can count on.

We're Not Tied to Any Single Carrier

We hold contracts with multiple Medicare Supplement carriers operating in Michigan. That means when you ask us for a recommendation, we're comparing real options across the market — not steering you toward the one company we represent. Carriers set their own premiums for standardized plans, and those premiums vary more than most people expect.

We Know the Michigan Market

Rate differences between carriers for the same Medigap plan can be significant, and they shift from year to year as carriers adjust their pricing. We track what's happening with rates across the state so we can point you toward carriers with competitive pricing and a track record of stable increases over time — not just the lowest rate today.

We Stay With You After Enrollment

Buying a Medigap plan isn't a one-time transaction. Premiums change at renewal. Your health situation may change. Better options may become available. We review your coverage with you each year and let you know if switching makes sense. You'll always be able to reach Richard directly — not a call center.

25+ Years of Insurance Experience Behind Every Recommendation

Richard Duffield has worked in insurance for more than 25 years. Medicare Supplement plans are one of his primary areas of focus, and he's helped clients across Michigan — from the Detroit metro area to Grand Rapids and Lansing — find coverage that holds up when they actually need to use it.

How We Help You Choose the Right Medicare Supplement Plan

Our process is straightforward. We start by understanding your situation — your health, your doctors, your prescriptions, and your budget. From there, we pull quotes from the carriers we work with and walk you through the comparison side by side. We explain what each plan covers, what it costs, and what the trade-offs are. Then you decide. There's no pressure and no obligation.

 

Most consultations take less than an hour, and many clients leave with a plan selected and an application submitted the same day.

Medigap Questions We Hear All the Time

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

    Medicare Supplement plans work alongside Original Medicare — they cover costs that Medicare doesn't pay, and you can use any doctor or hospital that accepts Medicare. Medicare Advantage (Part C) replaces Original Medicare with a private plan that typically includes a network of providers. The two approaches work very differently, and the right choice depends on your health, your preferences, and where you live. Our comparison page walks through both options in detail.

  • Can I be turned down for a Medigap plan?

    During your six-month Medigap Open Enrollment Period, no carrier can turn you down or charge you more due to health conditions — this is called guaranteed issue. Outside of that window, most carriers in Michigan use medical underwriting, which means your health history can affect your eligibility and your premium. Timing your enrollment correctly is one of the most important steps in the process.

  • Do Medicare Supplement plans cover prescription drugs?

    No. Medigap plans cover medical costs — hospital stays, doctor visits, coinsurance — but not prescriptions. To get drug coverage, you'll need to enroll in a separate Medicare Part D prescription drug plan. We can help you select a Part D plan alongside your Medigap policy.

  • Is Plan G worth the higher premium compared to Plan N?

    For many people, yes — but it depends on how often you use medical care. Plan G covers virtually all out-of-pocket costs after the Part B deductible, while Plan N requires copayments for some visits. If you see doctors frequently or want complete cost predictability, Plan G typically delivers better value. If you're generally healthy and want to reduce your monthly premium, Plan N may be a better fit. We can run the numbers for your specific situation.

  • Can I keep my current doctors with a Medicare Supplement plan?

    Yes. Medicare Supplement plans don't have provider networks. You can see any doctor, specialist, or hospital in the country that accepts Medicare — no referrals required, no network restrictions. This is one of the most significant advantages Medigap holds over Medicare Advantage for people who travel, split time between states, or have established relationships with specific physicians.

Ready to Compare Medigap Plans in Michigan?

We make it straightforward. Tell us a little about your situation, and we'll pull quotes from the carriers we work with, walk you through the options, and help you choose a plan that fits — without pressure and without obligation. Call us at 833-647-5267, email richard@mimedicareplans.com, or use the button below to schedule a time that works for you.

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