Medicare in Michigan
The plans that require a monthly premium cost an average of $91.70. Blue Cross Medicare Advantage plans are offered in most states. We explain the costs, coverage, eligibility, and more for these Advantage plans.
For most services, you’ll pay the full cost until you reach the deductible. After you reach your deductible, you’ll still have to pay any copays or coinsurance. A copay is a fixed amount of money you pay for a certain service. Medicare plans in Michigan might be a good choice for you if you already have prescription coverage through an employer or military benefits. If you’re looking for medical coverage only, a Medicare Supplement plan has lower out-of-pocket costs than Medicare Advantage.
The BCN Advantage Prime Value HMO-POS has no monthly premium or medical deductible. Primary doctor visits are free; you’ll pay $45 to see a specialist. Once you meet the $50 drug deductible, you pay nothing for preferred generic prescriptions and $11 for generic drugs. The Value plan doesn’t participate in the Insulin Savings program, so it may not be your best option if you’re on insulin. The Value HMO-POS allows the flexibility to use nonnetwork providers, but you’ll pay a $1,000 deductible and then 50% of the cost for most out-of-network services, rather than set copays for your care. That’s expensive, so we don’t suggest using the Value plan for out-of-network coverage.
Blue Cross Medicare Supplement plans aren’t connected with or endorsed by the U.S. government or the federal Medicare program. You pay 20 percent coinsurance for most services with Original Medicare. See our high-quality Medicaid plans and understand your coverage. There’s no single answer as to what Medicare coverage is best. The Centers for Medicare and Medicaid Services evaluates plans based on a five-star rating system. This list doesn’t include special needs plans, which restrict membership to people with certain diseases or characteristics, such as having a chronic illness or living in a nursing home.
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HMO plans are generally the cheapest but most restrictive option. While you could pay less out of pocket, you must choose a primary care physician to coordinate your health care and provide specialist referrals. You’re limited to health care providers within the plan network and usually only within the state, except in emergencies.
You will find that many Medicare Advantage plans in Michigan also provide prescription drug coverage. These are called Medicare Advantage Prescription Drug plans and they combine health and prescription drug benefits into a single plan, so you don’t have to keep track of separate health insurance plans. With Medicare Advantage PPO plans, there is a network of doctors, and hospitals. You may pay less if using the doctors and hospitals within the given network.
Medicare Advantage plans in Michigan are a popular choice in coverage. If you’re trying to decide on a Medicare Advantage plan in Michigan, it may be useful to make a list of your medical needs and prescription medications before you research plans. Different insurance companies will offer varying premium amounts.