Ann Arbor Medicare Supplement Insurance Costs
Compare Medigap plan rates from top carriers in Washtenaw County
Medicare Supplement insurance costs in Ann Arbor can vary dramatically from one carrier to the next — even for identical coverage — making comparison shopping essential for Washtenaw County residents. Whether you are newly eligible at 65 or reassessing your current plan, the price difference between the lowest and highest premium for the same Medigap plan in the Ann Arbor area can exceed 100 percent. Working with a licensed agent who knows the local market is one of the most effective ways to make sure you are not overpaying for your coverage.
Compare Rates with an Ann Arbor Medicare Agent
Independent Medicare agents serving Ann Arbor and Washtenaw County are appointed with multiple carriers, which means they can shop the full market on your behalf and present side-by-side quotes for Plan G, Plan N, and other Medigap options available in your zip code. There is no cost to you for this service — agents are compensated by the insurance company, not by the consumer.
Find Medicare Agents in Ann Arbor →
Estimated Plan G Medigap Rates — Ann Arbor, Michigan (Zip 48104)
Estimated based on available 2018 Plan F market data converted to approximate Plan G equivalents (Plan G is typically 8–12% less than Plan F for comparable coverage). Actual 2024–2025 premiums will differ. Contact a licensed agent for current quotes.
| Gender | Lowest Monthly Premium | Highest Monthly Premium | Difference |
|---|---|---|---|
| Female, Age 65 (non-smoker) | $121.75 | $291.76 | 139.6% |
| Male, Age 65 (non-smoker) | $121.75 | $335.65 | 175.7% |
3 Questions to Ask Before You Buy a Medigap Plan in Ann Arbor
1. How many Medicare Supplement carriers is the agent appointed with?
Not every agent can sell every plan. Some work exclusively with one insurer, while independent brokers may be appointed with a dozen or more carriers. In a competitive market like Ann Arbor and Washtenaw County, the difference between the lowest and highest premium for identical Plan G coverage can exceed $200 per month — so working with a broker who can compare multiple carriers is worth the extra few minutes it takes to ask.
2. What has the carrier's rate increase history looked like over the past five years?
The cheapest premium today does not guarantee the lowest cost tomorrow. Michigan Medigap insurers file rate changes with the Michigan Department of Insurance and Financial Services (DIFS), and some carriers have a more stable track record than others. Ask your agent to share the recent rate history for any plan you are seriously considering before you enroll.
3. Is this plan community-rated, issue-age-rated, or attained-age-rated?
Michigan allows all three pricing methods for Medicare Supplement policies. With attained-age rating, your premium rises automatically each year simply because you are getting older — on top of any general rate increases. Community-rated plans charge the same premium regardless of age, which can be a significant advantage over time. The Michigan DIFS website at michigan.gov/difs provides consumer guides explaining these differences and a list of licensed Medigap insurers in the state.