Medicare Supplement (Medigap) Plans in Michigan

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Uncomplicate Medicare—Explore Your Medigap Options

Looking into Medicare Supplement plans in Michigan? You’re in the right place. At Quality Choice Insurance, we help people across West Michigan—from Sparta and Muskegon to Big Rapids and Coopersville—understand their Medicare options and confidently choose the right Medigap coverage.


Medigap plans (also called Medicare Supplement Insurance) are designed to fill the “gaps” in Original Medicare by covering out-of-pocket costs like copays, deductibles, and coinsurance. As an independent agency, we compare Michigan Medigap plans from leading carriers to help you find the coverage and price that fits your life.

What Are Medicare Supplement (Medigap) Plans?

Original Medicare only covers about 80% of your medical costs. That’s where Medigap steps in. These plans are sold by private insurers and pay for things like:


  • Hospital coinsurance and additional hospital days
  • Skilled nursing facility copayments
  • Part B coinsurance (your 20% share of doctor bills)
  • Hospice care copays
  • First three pints of blood

In Michigan, Medicare Supplement plans are standardized, meaning a Plan G from one company offers the same benefits as a Plan G from another. Options include Plan A, B, D, G, K, L, M, and N. (Plans C and F are only available to those eligible for Medicare before January 1, 2020.)


One of the biggest perks? No networks. You can see any doctor or specialist anywhere in the U.S. who accepts Medicare.

Coverage Benefits of Medigap

While all Medigap plans cover key gaps, some plans stand out:


  • Plan G: The most popular choice in Michigan, covering nearly all gaps except the small annual Part B deductible.
  • Plan N: A lower premium option with small copays at doctor and ER visits. Great for healthy seniors looking to save a little more each month.
  • Plan K and L: Cost-sharing options with lower premiums and partial coverage—less common, but still available.

If you like the idea of predictable costs and freedom to travel without worrying about networks, Medigap may be your best choice.

Medigap vs. Medicare Advantage: Which One Fits You Best?

Trying to decide between Medicare Supplement vs. Medicare Advantage? Here’s a quick comparison:


  • Medigap: Higher monthly premiums, but little to no costs when you need care. No network restrictions.
  • Medicare Advantage: Lower or $0 monthly premiums, but you pay copays as you go. Often includes extras like dental or vision but requires using network providers.

Travel frequently? Spend time in Florida during winter? Medigap plans provide coast-to-coast coverage, perfect for snowbirds or seniors who value flexibility. Prefer local care and low premiums? A Medicare Advantage plan might be better.

What Do Medigap Plans Cost in Michigan?

While coverage is standardized, Michigan Medigap rates vary based on:


  • Your age and gender
  • ZIP code and county
  • Tobacco use
  • Household discounts (offered by some carriers)

At Quality Choice Insurance, we represent a wide range of insurers—like Blue Cross Blue Shield of Michigan, Aetna, Cigna, and others—so we can shop the market for you. We'll make sure you get great coverage at a competitive rate.

When Should You Enroll in Medigap?

Your best time to enroll in a Medigap plan is during your Medigap Open Enrollment Period—the 6 months starting when you’re both 65 or older and enrolled in Medicare Part B. During this window, you can choose any Medigap plan without medical underwriting.

Missed your window? You might still qualify under a Special Enrollment Period or through underwriting, but you could be denied or pay more depending on your health history.

That’s why we say: Don’t miss your Medigap Open Enrollment at 65. We’ll help you get the timing right.

Let’s Find the Right Plan, Together

Choosing between Plan G and Plan N? Wondering how much Medigap costs in your ZIP code? We’ll break it down, explain the trade-offs, and compare plans from top providers—all at no cost to you.

Frequently Asked Questions About Medicare Supplement Plans

  • Does Medigap include dental or vision coverage?

    No, Medigap only supplements Medicare. It doesn’t include dental, vision, hearing, or prescriptions. Many people pair Medigap with separate dental/vision plans and a standalone Part D drug plan.

  • Can I use a Medigap plan anywhere in the U.S.?

    Yes. As long as a provider accepts Medicare, your Medigap plan works there—whether you’re in Traverse City, Naples, or Spokane.

  • Is Plan G available in Michigan?

    Yes, Plan G is widely available across Michigan and is currently the most comprehensive plan new Medicare enrollees can buy.

  • Do I need a Part D drug plan if I choose Medigap?

    Yes. Medigap plans do not include drug coverage. You’ll need to enroll in a standalone Part D plan to avoid gaps in coverage or late penalties.

  • Can I switch from Medicare Advantage to Medigap later?

    Sometimes. If you’re still in your first 12 months on an Advantage plan, you may be eligible for a “trial right” to return to Medigap. Otherwise, switching could involve medical underwriting.

Get Local Help with Medicare Supplement Plans in Michigan

Whether you’re new to Medicare or re-evaluating your options, we’ll help you cut through the noise and make the best choice for your future health and finances. We’ve served seniors across West Michigan for over 40 years—and we’re here for you too.