Medicare · State of Michigan
Medicare for Michigan Residents
Michigan has 1.9 million Medicare beneficiaries — second only to Florida among Midwestern states. Plans, networks, and pricing differ by county, by carrier, and by year. Ten Point Financial Group is a Michigan-licensed independent Medicare agency. We help residents across the state pick the right plan, switch when it makes sense, and understand every enrollment window.
1.9M
MI Medicare beneficiaries
$0
Cost to use a Medicare agent
Statewide
From Marquette to Monroe
Why Michigan
Michigan has a particular Medicare landscape. BCBS Michigan dominates the Medigap market and offers the most attained-age Plan G options. Priority Health, HAP, and McLaren run strong Advantage networks in West Michigan and Mid-Michigan. UnitedHealthcare and Aetna compete heavily in Metro Detroit. The right plan in Marquette is not the right plan in Ann Arbor — networks, premiums, and formularies all vary by county. We're statewide and independent, so we shop the whole market for you regardless of your zip code.
How we help
Turning 65 in Michigan
Your 7-month Initial Enrollment Period starts 3 months before your birth month. We walk you through Part A, Part B, Part D, and the Advantage-vs-Supplement decision before you have to choose.
Annual Election Period (Oct 15 – Dec 7)
Plans change every year — networks, drug lists, premiums. We re-shop every fall for Michigan clients to make sure their plan still fits.
Medigap Plan G, N, and HDG
Michigan uses attained-age pricing on most Medigap policies — meaning premiums rise as you age. We'll explain the pricing model and run carrier comparisons for your specific situation.
Switching Between Advantage and Supplement
Michigan has specific underwriting rules for switching off Advantage to Medigap. We'll explain the windows where it's guaranteed-issue vs. where you'd need to qualify medically.
Dual-Eligible (Medicare + Medicaid)
Michigan has multiple D-SNP options for residents who qualify for both programs. We help navigate eligibility and plan selection.
Frequently asked questions
What's the difference between Medicare Advantage and Medigap in Michigan?+
Advantage replaces Original Medicare and bundles benefits through one carrier (often with $0 premium but a network you have to stay in). Medigap supplements Original Medicare, lets you see any provider that accepts Medicare nationwide, and predicts your out-of-pocket. Best fit depends on your health, income, and travel plans.
Which Medicare Advantage carriers are strongest in Michigan?+
Varies by region. BCBS, Priority Health, HAP, and UnitedHealthcare have the broadest networks. In West Michigan, Priority Health is dominant. In Metro Detroit, HAP and UHC compete heavily. We compare for your specific county.
How do I switch plans during AEP if I'm a Michigan resident?+
Between Oct 15 and Dec 7 you can switch Advantage plans, change Part D drug plans, or move between Original Medicare and Advantage. Coverage starts Jan 1. We help Michigan clients re-shop their plans every fall — networks change, formularies change, your situation changes.
Does Michigan have any state-specific Medicare protections?+
Michigan follows federal Medicare rules. There aren't special state-level Medigap protections like in Connecticut or New York. That makes switching off Advantage harder later — which is why the initial choice matters more here.
Can you help with prescription drug coverage?+
Yes. Part D plan selection depends on your specific medications, your pharmacy preference, and your tier mix. We run drug-by-drug comparisons across Michigan Part D plans to find your lowest annual cost.
Learn more
Carriers We Represent
We're independent — we shop the market for the policy that fits, not the highest commission.
Carrier logos shown are trademarks of their respective owners. We work with additional regional carriers — ask about a specific plan.
Free Michigan Medicare review
Tell us your zip code, your doctors, and your prescriptions. We'll compare Michigan carriers and recommend the plan that actually fits — at no cost to you.
Educational content only. Not financial, legal, or tax advice. All services are provided by licensed professionals. Coverage decisions depend on individual circumstances.