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Michigan Medicare Supplement Plans

Whether this is your first time shopping for a Medicare supplement plan (also known as Medigap) or wondering if you could lower your current premiums, we make it easy for you to compare rates to see how much you can save here at Oakland Insurance Services.

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Your Confidential Request - Free Quotes, Information, Official Shopper's Guide.

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Without A Medicare Supplement Plan

What You Are Responsible for Paying

2011 Medicare What You Pay For

There are three main reasons to own Medicare Supplement Insurance:

1. You keep your doctors and health care providers

2. You enjoy coverage for life as long as you pay your premiums on time

3. Your coverage is guaranteed issued during your Medicare open enrollment period – no health questions asked.

We have clients calling to ask, "When is the best time to buy a Michigan Medicare Supplement Plan?"

Most of our clients get this off their "to-do" list by enrolling about 3 months before their 65th birthday.

This means you are all set for your coverage to start the month you turn 65 which is the beginning of your open enrollment period.

This period lasts for six months and begins on the first day of the month in which you’re both age 65 or older and enrolled in Medicare Part B.

During this period, an insurance company cannot use medical underwriting. This means it cannot:

• Refuse to sell you any Medicare supplement insurance policy it sells

• Make you wait for coverage to start (except in limited circumstances)

• Charge you more for a Medicare supplement insurance policy because of any past or present health conditions

If you buy a Medigap policy when you have a guaranteed issue right, the insurance company can’t use a pre-existing condition waiting period at all.

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