Understand Medicare Advantage in Michigan
Compare your coverage options and find a plan that fits your healthcare needs.
How Medicare Advantage (Part C) Works
A bundled alternative to Original Medicare with added benefits
Medicare Advantage Plans (also known as Part C) are offered by private insurance companies that contract with Medicare. These plans provide the same benefits as Original Medicare — including Part A (hospital insurance) and Part B (medical insurance) and often include additional perks like vision, dental, hearing, and prescription drug coverage.
Many Michigan
residents find that a Medicare Advantage Plan fits their budget better than Original Medicare. These plans typically have different provider networks, costs, and rules than traditional Medicare coverage.
Choose the Right Medicare Advantage Plan
We'll help you compare plans and find the best fit for your needs.
At Medicare Solutions Group we take the time to understand your healthcare needs, budget, and provider preferences before making any recommendations. Medicare Advantage plans can vary by ZIP code, and we’re here to walk you through your options and help avoid common mistakes.
- Independent, unbiased guidance
- Local, licensed agents
- One-on-one consultations at no cost to you
Have questions about choosing a plan?
Common Types of MA Plans
- Health Maintenance Organization (HMO) Plans
- Private Fee-for-Service (PFFS) Plans
- Preferred Provider Organization (PPO) Plans
- Special Needs Plans (SNPs)
Important Points
- Medicare Advantage Plans can not charge more than Medicare Part A and B (Original Medicare) for certain services.
- Medicare Advantage Plans have a yearly limit on out-of-pocket costs. After you pay this amount, you don't have to pay anything for additional, covered services.
- Providers can join or leave a network at anytime — if this happens, you may need to choose a new provider.
What You Need to Know
The main thing to know is that for most people, out-of-pocket costs will likely be lower with a Medicare Advantage Plan.
With an Advantage plan, you still get Part A and Part B coverage, and some Advantage plans offer additional benefits that Part A and B don’t cover —things like dental, hearing and vision.
When choosing a plan, you can see if the service or services you are interested in are covered BEFORE enrolling in the plan. If you need help doing this, we are Detroit, Michigan Medicare Advantage agents and are always happy to provide our input after you tell us what you are looking for.
Folks with pre-existing conditions don’t have to worry. You can still join a Medicare Advantage plan if you have a pre-existing condition. An exception to this rule is if you have End-State Renal Disease.
Medicare Advantage vs. Original Medicare
Wondering about the differences between Original Medicare (Part A and Part B) and Medicare Advantage (Part C)?
The main difference is in how you get your coverage. For Original Medicare, you can visit any doctor/hospital that takes part in Medicare. Most hospitals and doctors participate.
On the other hand, Medicare Advantage plans require you to use the plan’s provider network. Most people can expect to pay co-pays when they visit either their primary care doctor or their specialist.
It is important to factor these, and other considerations in to any decision you make regarding your Medicare choices. We know that it is overwhelming at times, and it can seem easy to make the wrong decision if you are not informed.