Medicare plans for Michigan, explained plainly.

Medicare Advantage (Part C)

Co-payment-based private plans that bundle Parts A, B, and usually D, often with extras like dental, vision, hearing, OTC allowances, and grocery-card benefits. Some carriers offer $0 monthly premiums, depending on your county. We match you to a plan whose network includes your doctors and hospitals.

• $0-premium and low-premium plans are available in many Michigan counties, depending on where you live
• Built-in prescription drug coverage on most plans
• Extras such as dental, vision, hearing, fitness, and grocery-card benefits vary by plan and are not offered by every plan
• Special Needs Plans (SNPs) for chronic conditions and dual-eligibles

Medicare Supplement (Medigap)

Standardized Plans A, B, C, D, F, G, and N pair with Original Medicare to help cover deductibles, copays, and coinsurance, offering predictable monthly costs and freedom to see any provider that accepts Medicare. Eligibility for some plans depends on when you first became eligible for Medicare.

• Use any doctor or hospital nationwide that accepts Medicare
• Standardized benefits, only the price changes between carriers
• Guaranteed-issue rights may apply during your Medigap Open Enrollment or a qualifying situation; outside those windows, medical underwriting may apply

Part D Prescription Drug Plans

Standalone drug coverage matched to your actual medication list and preferred Michigan pharmacy. We run Medicare Plan Finder reports at no charge to you to compare available options, help you avoid the lifelong late-enrollment penalty, and re-shop every Annual Enrollment Period (October 15 to December 7) because prices change every year.

Carriers We Represent

Certified Benefit Advisors represents more than 40 carriers, including Aetna®, Blue Cross / Blue Shield®, Medico®, Mutual of Omaha®, Priority Health®, Humana®, UnitedHealthcare®, Cigna®, Wellcare®, and many other companies. Plan availability varies by county.

When can I enroll?

Initial Enrollment Period: 7 months around your 65th birthday. Annual Enrollment: October 15 to December 7. Medicare Advantage Open Enrollment: January 1 to March 31. Special Enrollment Periods apply when you lose employer coverage, move, or qualify for Extra Help. Call (269) 979-8600 and we'll confirm your enrollment window.

Medicare Enrollment Help

Use our online information and appointment request form or call (269) 979-8600 for help with Medicare enrollment at no cost to you. In-home and office appointments are available.