Compare Plan G, Plan N, High-Deductible Plan G, and available Michigan insurance companies with help from an independent Medicare agency licensed to serve Michigan. We explain standardized benefits, real sample premiums from the Metro Detroit area, enrollment rights, and practical tradeoffs — without call-center pressure.
Pick a convenient time to compare Michigan Medigap options with a licensed agent.
What matters most to you?
We'll help you compare the tradeoffs.
Independent guidance
Multi-carrier, not tied to one insurer
20+ years experience
Licensed to serve Michigan Medicare beneficiaries
Michigan reach
Serving Medicare beneficiaries throughout Michigan, including Metro Detroit
No cost to work with us
Same premium whether you use an agent or not
Medicare Supplement insurance (Medigap) is private coverage that works alongside Original Medicare. It can help pay certain deductibles, copayments, and coinsurance that Medicare Part A and Part B leave behind. Plans are standardized by letter, so a Plan G policy offers the same core benefits from any insurer — premiums, discounts, underwriting, and company service are what differ.
Compare Options
Broad standardized benefits. Doesn't pay the annual Part B deductible. Michigan does not restrict Part B excess charges, so Plan G's excess-charge benefit carries real practical value here.
Explore Plan GMay carry a lower premium than Plan G. Certain office-visit and non-admitted ER copayments may apply, and Plan N doesn't cover Part B excess charges — a bigger trade-off in Michigan than in states that ban excess billing.
Explore Plan NA lower-premium structure. You pay Medicare-covered costs out of pocket until you reach the plan's annual deductible, then the plan pays.
Learn MoreBroad legacy coverage, including the Part B deductible. Only available to people who became eligible for Medicare before January 1, 2020.
Learn MoreNot an option for newly eligible beneficiaries.
At A Glance — 2026 Amounts
| Feature | Plan G | Plan N | High-Deductible Plan G | Plan F |
|---|---|---|---|---|
| New-to-Medicare eligibility | Yes | Yes | Yes | No — before 1/1/2020 only |
| 2026 Part A deductible ($1,736) | Covered | Covered | Applies to plan deductible | Covered |
| 2026 Part B deductible ($283) | Beneficiary pays | Beneficiary pays | Applies to plan deductible | Covered |
| Office-visit copay | None | May apply (small, flat copay) | None, once deductible met | None |
| Emergency-room copay | None | May apply if not admitted | None, once deductible met | None |
| Part B excess-charge benefit | Covered | Not covered | Covered, once deductible met | Covered |
| Foreign travel emergency | Yes, up to plan limits | Yes, up to plan limits | Yes, up to plan limits | Yes, up to plan limits |
| Typical premium direction | Higher | Lower than Plan G | Lowest of the group | Highest of the group |
| Upfront cost exposure | Lower | Low to moderate | Higher, until deductible met | Lowest |
Deductible figures are the official 2026 CMS amounts and update annually. Premium tendencies are general — actual pricing depends on the insurer, ZIP code, age, and other underwriting factors.
Direct Answer
There is no single Medicare Supplement plan that is best for every Michigan resident. Plan G may appeal to someone seeking broad and predictable coverage — and its excess-charge benefit matters more in Michigan than in states that ban excess billing. Plan N may appeal to someone willing to accept certain copayments for a potentially lower premium. High-Deductible Plan G may suit someone prioritizing a lower monthly premium over predictable upfront costs. Find the plan that best fits your priorities.
Choose the benefit structure that fits you.
Compare companies offering that plan.
Review current premiums and discounts.
Consider enrollment rights, underwriting, and long-term affordability.
Agent Insight
The plan letter determines the standardized benefits, but the insurance company determines the premium, available discounts, underwriting process, and service experience. Work with a licensed Medicare agent to compare both sides of the decision.
Pick a Time to Compare PlansPricing
What affects your Michigan premium
MoneyGeek's 2026 analysis found Michigan Medicare Supplement coverage starting around $97 per month, with actual cost varying widely by company, plan, and ZIP code.
Source: MoneyGeek 2026 Michigan Medicare Supplement analysis. This is a broad starting-point figure, not a personal quote.
The most accurate way to see real numbers for your ZIP code and situation is a short conversation with a licensed agent.
Compare Current Michigan RatesChoosing a time to talk with an agent opens a scheduling calendar — it does not display an instant price. A real quote requires a short conversation about your ZIP code, age, and plan preference.
Real Sample Rates
Female, age 65, standard health class, non-tobacco. A sampling of quotes we've pulled — not an all-inclusive list of every company or rate available.
Plan G monthly premiums
| Company | Monthly Premium |
|---|---|
| Our primary carrier for this ZIP Primary | $151.24 |
| Medico Life and Health Insurance Company | $175.51 |
| AARP Medicare Supplement Plans, insured by UnitedHealthcare | $175.80 |
Humana (Humana Insurance Company of Kentucky) also quotes Plan G in this ZIP — ask your agent for the current rate.
Plan N monthly premiums
| Company | Monthly Premium |
|---|---|
| Our primary carrier for this ZIP Primary | $108.61 |
| Humana (Humana Insurance Company of Kentucky) | $112.07 |
| Medico Life and Health Insurance Company | $143.40 |
HealthSpring National Health Insurance Company (f/k/a CNHIC) also quotes Plan N in this ZIP.
Plan G monthly premiums
| Company | Monthly Premium |
|---|---|
| Our primary carrier for this ZIP Primary | $151.24 |
| Medico Life and Health Insurance Company | $175.80 |
| Humana (Humana Insurance Company of Kentucky) | $181.76 |
AARP Medicare Supplement Plans, insured by UnitedHealthcare, also quotes Plan G in this ZIP.
Plan N monthly premiums
| Company | Monthly Premium |
|---|---|
| Our primary carrier for this ZIP Primary | $108.61 |
| Humana (Humana Insurance Company of Kentucky) | $112.07 |
| Medico Life and Health Insurance Company | $127.50 |
| Insurance Company of North America | $158.49 |
Omaha Supplemental Insurance Company (Mutual of Omaha) also quotes Plan N in this ZIP.
These are example quotes for one applicant profile pulled at a point in time — not a personal quote, not an exhaustive list of every company or ZIP code, and not a guarantee of what you'll be offered. Rates change and vary by age, ZIP code, tobacco status, and household discounts. A licensed agent can confirm current pricing for your situation.
Michigan Medicare Supplement rate increases. Several companies that sell in Michigan — including American Benefit Life, Physicians Life, HealthSpring National Health, and USAA — have documented 2026 rate increases. Read more generally about what to do after a Medicare Supplement premium increase or why identical Medigap plans can have different prices.
Michigan-Specific Rule
Yes. Michigan is not one of the small number of states that prohibit healthcare providers from billing above the Medicare-approved amount. Providers who don't accept Medicare assignment can bill up to 15% more than the Medicare-approved amount for a covered service — this is a Part B excess charge, and Michigan does not restrict it.
Only Plan G and Plan F include a benefit for Part B excess charges (the high-deductible versions credit them toward the plan deductible). Plan N does not cover excess charges, which is a more meaningful trade-off for Michigan residents than for people in states that ban excess billing.
Michigan is not among the states (Connecticut, Massachusetts, Minnesota, New York, Ohio, Pennsylvania, Rhode Island, Vermont) that prohibit Part B excess charges.
Because Michigan allows excess charges, some Michigan residents weigh Plan N's lower premium against a real (if situational) gap in coverage — mainly relevant if you see a provider who doesn't accept Medicare assignment.
Under-65 Eligibility
Yes, in certain situations, but plan choice is limited. Unlike federal law, which doesn't guarantee Medigap access to people under 65, Michigan requires a limited number of insurers to make coverage available to Medicare beneficiaries under age 65 — but generally only for Plan A or Plan C, not the full range of plan letters available to people 65 and older.
Specific plan availability and underwriting details can vary by insurer. A licensed agent can confirm current options for your situation.
Source: Michigan Department of Insurance and Financial Services (DIFS) Medigap guidance; Michigan Compiled Laws (MCL) 500.3831.
Timing
Step 1
Most people start exploring Medicare Supplement options as their Part B effective date nears.
Step 2
Your Part B effective date sets the clock for your Medigap Open Enrollment Period.
Step 3
Generally guaranteed acceptance and no medical underwriting during this window.
Step 4
May involve underwriting unless a guaranteed-issue right applies to your situation.
The Medigap Open Enrollment Period is different from the annual Medicare Open Enrollment Period (October 15–December 7), which applies to Medicare Advantage and Part D. Michigan does not currently have an annual Medigap "birthday rule" that lets policyholders switch plans without underwriting — legislation to create one has been introduced but had not passed as of 2026. Secure approval and an effective date for a replacement policy before canceling existing coverage. See our Medigap Open Enrollment guide for details.
Insurance Companies
Michigan residents may find Medicare Supplement plans from insurers such as AARP/UnitedHealthcare, Mutual of Omaha, Medico Life and Health, Humana, HealthSpring National Health, Insurance Company of North America, and others. Availability, plan selection, premiums, discounts, and underwriting rules can vary by ZIP code and applicant.
Local Guidance
Dedicated Michigan city guides are on the way — check back as new areas launch. In the meantime, see sample Detroit-area (ZIP 48201) and Macomb-area (ZIP 48044) rates above.
Local Medigap guidance for Detroit residents.
Local Medigap guidance for Grand Rapids residents.
Local Medigap guidance for Warren residents.
Local Medigap guidance for Sterling Heights residents.
Local Medigap guidance for Ann Arbor residents.
Local Medigap guidance for Lansing residents.
Local Medigap guidance for Flint residents.
Local Medigap guidance for Dearborn residents.
Why Lehigh Partners
David Scallion
Founder, Lehigh Partners Senior Benefits · Licensed Medicare Insurance Agent
More than 20 years of insurance experience. Licensed to serve Medicare beneficiaries in Michigan and other states with independent, multi-carrier guidance where appointed. Assistance is available by phone and online — and the Medicare Supplement conversation can be coordinated with a separate Part D comparison.
View David's full profile →Common Questions
Choose a convenient time to review Plan G, Plan N, High-Deductible Plan G, and available insurance companies with a licensed independent agent.
No pressure. No obligation. Independent Medicare guidance from Lehigh Partners Senior Benefits.
