Michigan Medigap Advisor

Medicare Supplement Plans - Michigan The best time to check into a Medicare Supplement Plan is before you are eligible for Medicare. If you are nearing age 65, the choices you make now can help you in the future. But choosing the correct supplemental insurance to meet your needs can be confusing and overwhelming. Fortunately, our trained agents are committed to helping you sort though all the options available. Everyone 65 and older is entitled to the basic Medicare coverage, but typically it only covers about 64 percent of the annual health-care costs. Added to the expense not covered by Medicare, there are deductibles, co-payments, and coinsurance to pay. This is why many choose Medicare Supplement Plans and at D. E. Irwin Insurance Agency, PLLC, we can assist you in your Michigan insurance coverages. Medicare Supplement Plan Options Michigan Both Medicare Part A and Part B were designed to help retirees with their Michigan health insurance. If you choose

Medicare Advantage Plans - Michigan   Medicare Advantage is a health insurance program within Part C of Medicare. Medicare Advantage plans provide a managed care plan such as a health maintenance organization (HMO) as well as a preferred provider organization (PPO). People interested in Medicare Advantage plans must first sign up for both Parts A and B of Medicare. All three of these Parts of Medicare A, B and C are administered by private insurance companies. Medicare Part A provides payments for in-patient hospital, hospice and skilled nursing services, excluding those of physicians and surgeons. Part B provides payments to physicians and surgeons in hospitals and skilled nursing facilities, as well as for medically necessary outpatient hospital services such as ER, laboratory, X-rays and diagnostic tests, certain preventative medical services, and certain durable medical equipment and supplies. Part C health plans, including Medicare Advantage plans, not on