Health Plan One offers more than 3 Medicare plans in Detroit, which is part of Wayne County, Michigan. Medicare carriers that offer Medicare Advantage and Medicare supplement plans in Detroit which include different HMO and Supplement Aetna plans. Enter your ZIP code above to compare the details of the Medicare plans available in Detroit.
Michigan Medicare plans are similar to those in other states, especially Michigan’s Supplemental Medicare plans, or Medigap plans. Under Original Medicare, there are many gaps left in coverage and those who are faced with an accident or unforeseen illness may be left without coverage.
Medicare is funded by the government for those who are 65 years and older. Medicare consists of Part A, or hospital insurance, and Part B, or medical insurance. Medicare Part C is a Medicare Advantage Plan which combines Part A and Part B and in some cases Part D. Medicare Part C is managed by insurance companies which are Medicare-approved. These plans cover the necessary medical services, and have co-payments, coinsurance, and deductibles which vary. Medicare Part D provides assistance in covering prescription drugs and can prevent high costs in the future. Like Medicare Part C, the coverage depends on the plan.
For more information on Michigan State Medicare, visit our Michigan Medicare page.
Michigan offers a Medicare Savings Program which helps individuals pay for Medicare costs such as premiums, coinsurance and deductibles. You can apply or receive more information on Detroit’s Medicare Savings Program page.
Humana healthcare formed in 1961. Humana offers Detroit residents a variety of HumanaChoice PPO plans. The office visit deductibles range from $10-$40, and the deductibles for hospital outpatient visits range from $50-$150 depending on the type of plan the beneficiary chooses. Pharmacy is covered under the PPO plans with a premium ranging from $96-$107.
For more information on Humana Medicare, visit our Humana Medicare page
Aetna has been a healthcare provider for over 150 years. Aetna provides a variety of plans to meet the needs of senior citizens in Detroit. Such plans are Medicare Supplement, Medicare Value Plan, Medicare Standard Plan and Medicare Premier Plan. Aetna offers bonuses that exceed Original Medicare such as wellness, vision, and fitness benefits and discounts on health related services.
The Aetna plan offered in Detroit is the Medicare Supplement Plan F with a monthly premium of $176.
Medicare Supplement plans assist those who are paying out-of-pocket costs that Original Medicare does not cover. The Medicare supplement plans may give the beneficiary the choice to visit any doctor or hospital.
For more information on Aetna Medicare, visit our Aetna Medicare page.
Key areas to consider when choosing the appropriate Medicare plan are out of pocket costs, whether the plan allows the beneficiary to choose in network or out of network doctors, hospital expenses, co-insurance, the amount of skilled nursing and in-home recovery coverage the plan offers, as well as facility co-insurance. PPO plans offer the freedom to choose out-of-network doctors and specialists while in most cases HMO plans do not. However, the copay or deductible may be higher if the beneficiary chooses an out-of-network doctor under a PPO plan.