Medicare Insurance Agents in Ann Arbor

Finding the right Medicare Supplement plan in Ann Arbor starts with working with a licensed local agent who knows the Washtenaw County market. Independent Medicare insurance agents can compare Medigap plan options and rates from multiple carriers on your behalf � at no cost to you. Agents are compensated by the insurance companies, so their guidance is completely free to Ann Arbor residents.

Questions to Ask Medicare Agents in Ann Arbor, Michigan

1. Are you licensed in Michigan and familiar with the Ann Arbor area?
2. How many years have you been selling Medicare plans?
3. Do you offer both Medicare Advantage and Medigap Supplement plans?
4. How many Medicare insurers are you appointed with?
5. Are you the person I call if I have questions after I enroll?

Find a Licensed Medicare Agent Near You in Ann Arbor

Use the directory below to connect with licensed, independent Medicare insurance agents serving Ann Arbor, Ypsilanti, Saline, Dexter, and the surrounding Washtenaw County area. Independent agents represent multiple carriers so they can compare plans and rates on your behalf.

Find Medicare Agents in Ann Arbor →

Facts About Medicare in Michigan

• More than 2.2 million people are enrolled in Medicare in Michigan.
• Michigan allows community-rated, issue-age-rated, and attained-age-rated pricing for Medigap plans � the rating method affects how your premium changes over time.
• The Michigan Department of Insurance and Financial Services (DIFS) regulates all Medigap carriers operating in the state.
• Medigap premiums for identical plan coverage can vary by more than 100 percent between carriers in the Ann Arbor area � comparing quotes is essential.

Medicare in Ann Arbor and Washtenaw County

Ann Arbor is home to the University of Michigan Health system, one of the nation's leading academic medical centers, giving local Medicare beneficiaries access to a broad network of specialists. Residents who enroll in Original Medicare paired with a Medigap Supplement plan can access any doctor or hospital in the country that accepts Medicare � including U of M Health � without referrals or network restrictions.

Medigap Insurance Companies in Ann Arbor, Michigan

The following carriers offer Medicare Supplement plans to Ann Arbor and Washtenaw County residents. Premiums vary significantly between companies for identical plan benefits � comparing quotes is essential.

• Aetna Health Insurance Company
• AARP, Insured by UnitedHealthcare
• Blue Cross Blue Shield of Michigan
• Cigna National Health Insurance
• Humana Insurance Company
• Mutual of Omaha
• Physicians Mutual
• Transamerica Life Insurance Company

Estimated Medigap Plan G & Plan N Rates � Ann Arbor, MI (Zip 48104)

Estimated rates for Zip 48104. Actual premiums vary by carrier, age, tobacco use, and plan type. Contact a licensed agent for current quotes.

Plan G Rates

Plan N Rates

Frequently Asked Questions

What is the best Medicare Supplement plan in Ann Arbor?

Plan G is the most comprehensive Medigap plan available to new Medicare enrollees and is the most popular choice among Ann Arbor residents. It covers nearly all out-of-pocket costs under Original Medicare, with the only gap being the annual Part B deductible ($240 in 2024). Plan N offers lower monthly premiums in exchange for small copays for office and emergency room visits � a good fit for beneficiaries who visit the doctor infrequently.

Can I use my Medigap plan at the University of Michigan Health system?

Yes. Medicare Supplement plans work alongside Original Medicare (Part A and Part B), and U of M Health accepts Medicare. With a Medigap plan, you can receive care at any hospital or clinic that accepts Medicare anywhere in the country � including all University of Michigan Health facilities � with no network restrictions and no referrals required.

When is the best time to enroll in a Medicare Supplement plan in Michigan?

The best time is during your 6-month Medigap Open Enrollment Period, which begins the month you are both age 65 and enrolled in Medicare Part B. During this window, no insurer can deny you coverage or charge more due to pre-existing health conditions. Once this window closes, you may be subject to medical underwriting if you want to enroll or switch plans.

How do Medicare Supplement pricing methods differ in Michigan?

Michigan allows three pricing methods: community-rated (same premium for all ages), issue-age-rated (premium based on your age when you first enroll), and attained-age-rated (premium increases as you get older). Attained-age policies often start with the lowest premium but can become the most expensive over time. Ask your agent to explain the rating method before you choose a carrier.

More Medicare Resources for Ann Arbor Residents

• Medicare Insurance in Michigan
• Find Medicare Agents Across Michigan
• Medicare Supplement Costs in Ann Arbor
• Important Medicare Enrollment Dates