Right now in Michigan, many Medigap beneficiaries are facing an increase in their premiums
You have options. You can choose the health coverage that's best for you.
Medicare Advantage or Medigap?
Two plan choices will cover what Original Medicare (Parts A and B) does not.
- Medicare Advantage
- Medigap
Both:
- Are offered by private insurance companies
- Have a monthly premium in addition to your Part B premium (although some Medicare Advantage plans have a $0 premium)
- Help cover the 20% of costs not covered by Original Medicare
So what's the difference?
Medigap plans |
Medicare Advantage plans |
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Learn more about the differences between Medicare Advantage and Medigap with our Medicare Explained video series.
Choosing a plan based on my health care needs
Medigap |
Medicare Advantage |
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Amount of savings
Medigap |
Medicare Advantage |
Generally have higher monthly premiums and low or no costs when seeking services. Example: The monthly premium on Plan F starts at over $100 and can go up to nearly $500. And since Medigap plans don't cover prescription drugs, you'll also need a separate Part D plan, which usually have a monthly premium as well. |
You'll usually pay less in monthly premiums with a Medicare Advantage plan than Medigap. Premiums start as low as $0 per month and can go up to $200. These plans have a maximum out of pocket amount, meaning you know how much you could end up paying per year. |
View prices for Priority Health Medicare Advantage plans.
If you travel often or spend more than six months away from Michigan
Medigap |
Medicare Advantage |
You get the flexibility to see any provider who accepts Medicare throughout the United States. | All plans include coverage for emergency and urgent care, including a hospital stay, no matter where you are in the United States. |
If extras are important to you
Medigap |
Medicare Advantage |
Usually don't offer any extra support tools. | Offer extras to their members, such as gym memberships and care managers. |
See what plan works best for you:
Compare plansOr call one of our Medicare Experts at 877.211.2232 from 8 a.m. to 8 p.m., seven days a week. TTY users should call 711.
You can also visit medicare.gov to see plans available near you.
NOTE: Out-of-network/non-contracted providers are under no obligation to treat Priority Health Medicare members, except in emergency situations. For a decision about whether we will cover an out-of-network service, we encourage you or your provider to ask us for a pre-service organization determination before you receive the service. Please call our customer service number or see your Evidence of Coverage for more information, including the cost-sharing that applies to out-of-network services.If you’d like to switch plans
You can switch plans Oct. 15-Dec. 7 of each year if you choose.
During that time, you can enroll in, or change a Medicare Advantage plan and not have to worry about pre-existing conditions.
Get help paying your premiums
If you decide to stay with a Medigap plan, you may be able to get a subsidy to help pay premium costs. This is only for Medigap plans.
Learn more at michiganmedigapsubsidy.com.