Michigan Medicare Health Insurance Plans

Insurance companies that offer Medicare Advantage plans engage in a familiar ritual every fall. Not every Medicare Advantage plan includes prescription drug coverage, so always double-check with the specific plan you're considering. When a person first qualifies for Medicare, their initial enrollment period begins three months before their 65th birthday, includes their birth month, and ends three months after their birth month.

HMO POS: Some Health Maintenance Organization plans have a Point-of-Service (POS) option. A Cost Plan may also include the option of separate Part D prescription drug coverage. Individuals who receive Social Security benefits are automatically enrolled in Original Medicare as they approach their 65th birthday.

Medicare Supplement (Medigap) insurance is health insurance that is sold by private insurance companies to cover some of the "gaps" in expenses that are not covered by Medicare. They can only market 'some' MediGap' supplement plans with no certification. What's more, each year insurance companies make changes to drug formularies, provider networks, copays, and more.

All Security Health Plan HMO-POS plans cover the full range of Medicare benefits plus additional features including free health support, preventive dental care and smoking cessation products, plus allowances for over-the-counter items, hearing aids and eyeglasses.

Plans are insured through UnitedHealthcare Insurance Company or one Medicare Plans 2019 of its affiliated companies. Seeing providers outside the network can significantly increase your out-of-pocket costs. Return to traditional Medicare and purchase Part D drug coverage. You can get personalized health insurance counseling at no cost to you from your local State Health Insurance Assistance Program (SHIP).

To take advantage of this coverage, you may join a Medicare Prescription Drug Plan that covers prescription drugs only and keep Original Medicare (Medicare Part A and B) or you can join a Medicare Advantage Plan that also offers prescription drug coverage.