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MICHIGAN Medicare Insurance
MICHIGAN Medicare Insurance made simple
Made Simple
Helping you put together your Medicare puzzle
Medicare can be very confusing. Most people don’t understand the differences between all the plan options. There is not a one-size-fits-all solution. Selecting the wrong plan can cost you thousands in co-pays and deductibles.
Over the years, we’ve assisted thousands of people with their Medicare planning, from advice surrounding when and how to apply for Medicare, to helping select the right plan based on their specific needs.
We shop dozens of the top insurance companies so you don’t have to
we review your policy and coverage every year to ensure you always have the right plan at the right price, for you.
Why Medicare Benefits Group?
Our service is free. We work for you, not the insurance companies. We do all the paperwork, ensure your doctors are in network, and review your account every year to determine if your plan needs to be adjusted based on medical changes or if we can find you additional savings.
Independent One-Stop Shop
We are licensed with many of the top insurance carriers nationwide, which means you will receive multiple options based on your individual needs and budget.
Unbiased Advice
As trusted and knowledgable professionals we provide you with all the pros and cons of your options, never steering you towards something you do not need or want.
Custom Prescription Drug Lookup
Custom Prescription Drug Lookup
We lookup your current medications to ensure you have the right plan for you, helping you save money when combining premiums, deductibles, and copays.
WE SHOP THE RATES FOR YOU
We shop the rates for you. The carrier rates through us are the same as if you called the insurance company direct. The carriers pay us directly so there are no markups when purchasing a plan through us.
Our service is free. We work for you, not the insurance companies. We do all the paperwork, ensure your doctors are in network, and review your account every year to determine if your plan needs to be adjusted based on medical changes or if we can find you additional savings.
Independent One-Stop Shop
We are licensed with all the top insurance carriers nationwide, which means you will receive multiple options based on your individual needs and budget.
Unbiased Advice
As trusted and knowledgable professionals we provide you with all the pros and cons of your options, never steering you towards something you do not need or want.
Custom Prescription Drug Lookup
We look up all your current medications to ensure you have the best plan with the lowest combination of premium, deductibles and co-pays.
Lowest Rates
Our rates are the same as if you called the insurance company direct. The carriers pay us directly so there are no markups when purchasing a Medicare plan through us.
How Original Medicare Works
Medicare is the Federal health insurance program for:
People who are age 65 or older
Certain younger people with disabilities
People with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD).
Medicare Part A (Hospital Insurance)
There are two different parts of Original Medicare that help cover specific services which are referred to as Part A and Part B. For a summary of premiums, deductibles, coinsurance, and other costs associated to Part A and Part B Click here.
In general, think of this like ‘room and board’ when you’re in the hospital. This is an entitlement benefit, meaning most people are entitled to their Part A at age 65 because they have paid into Social Security and Medicare as part of their income taxes every year and therefore are entitled to Part A premium-free. The deductibles, coinsurance, and out-of-pocket costs within Part A can quickly add up. Learn more
Medicare Part B (Medical Insurance)
Most people associate Medicare coverage with Part B because this is the major medical, or ‘doctoring,’ part. This includes services such as doctor visits, labs, x-rays, CT’s, surgeon fees, physical therapy, and everything in between. In 2023, most people will pay a monthly premium of $164.90 for Part B, a decrease from the $170.10 in 2022 (higher income earners will pay more due to an Income Related Monthly Adjustment Amount, or IRMAA); this deducts automatically out of a beneficiary’s Social Security income, or if the SSI is deferred, the Social Security Administration will mail a bill (usually quarterly). This premium gives the Medicare beneficiary 80/20 major medical coverage: Medicare pays 80% of major medical costs, leaving the Medicare beneficiary responsible for the other 20%, with no maximum out of pocket. Learn more.
It is becoming more common for people to work past the age of 65 and keep employer health benefits. This may or may not be a good idea as it all depends on how much it costs as well as how good or bad the coverage is. Medicare.gov provides some good information about employer coverage here, however we recommend calling us with your specific situation at (734) 657-4797 so we can advise you accordingly. You can also request a free quote here.
Medicare Insurance Options
There are two plan types to choose from:
Medicare Advantage Plan / Part C
These plans provide all of your Part A and Part B benefits, which include hospital and medical coverage. Most Advantage plans include Part D Prescription Drug coverage and usually include many additional benefits not covered by Original Medicare.
Medicare Supplement / Medigap Insurance
These plans help pay for healthcare costs such as co-pays and deductibles. They help fill the ‘gaps’ of Original Medicare with the freedom to go to any doctor in the U.S. that takes Medicare.
Part D coverage is obtained as a standalone prescription drug plan or included in a Medicare Advantage (Part C) plan that offers coverage for medication costs. These plans are tailored to fit your specific needs and budget.
other insurance
Dental
There are several ways to incorporate a dental plan into your overall insurance coverage. Medicare Advantage plans (Part C) usually include limited dental (i.e. one or two cleanings per year). Medigap plans do not include any routine dental coverage. In either case, many of our clients opt for more comprehensive dental coverage, which may also include some vision and hearing benefits.
Affordable Care Act / Obamacare
If you are not yet eligible for Medicare and need information on ‘regular’ health insurance coverage, we can assist you. Obamacare is very confusing. We’ve helped countless individuals maximize their premium savings by ensuring they take full advantage of the tax credits they are entitled to. Also, there are many ‘off-marketplace’ plans that offer much less expensive premiums.
What Our Customers Have To Say
Shecter Calendar
2023-05-12
Very knowledgeable, friendly, easy to work with.
Cindy
2023-05-11
Jim was a great resource who was recommend by my financial advisor. His explanations of the various options were straight forward and very informative. He asked me pertinent questions about my health in order to tailor a plan to best fit my needs.
beth swartz
2023-05-10
very knowledgable
Loventry Robinson
2023-05-10
Jim is patient and very knowledgeable in his work. He helped me to get the Medicare advantage plan I wanted, and I am very satisfied.
Teresa Orr
2023-05-10
Jim was very helpful in explaining coverages and explaining the steps I needed to take to get Medicare. I highly recommend him. He is very knowledgeable on all aspects of care and made it easy for me to enroll in coverage.
Laurie Eisenbraun
2023-05-08
Jim was able to provide tailored Medical Gap policy solutions that fit my and my husbands individual needs.
Jim is knowledgeable about all the potential policies that could work for us.
Denise Bensch
2023-05-04
I want to thank James Neil for making the Medicare Insurance sign up process so easy. He took what I thought would be a frustrating and confusing process, and made it a pleasure. He clearly explained our options and gave us information in an easy to understand manner. I will definitely recommend his services to friends and family.
Chris Bensch
2023-05-04
Mr. Neal is extremely knowledgeable & helpful. He did an excellent job of explaining how everything works and presented our options clearly. I'd strongly recommend anyone nearing retirement, considering a benefit change or simply looking for an overview of their options contact him.
Patrick Lennane
2023-05-01
Awesome experience, explained all options clearly and made it easy to make a healthcare decision. Highly recommend!
KATHY TROHA-AUSTIN
2023-04-24
These two (Jim and Jennifer) were awesome. Extremely knowledgable about the entire process. Would highly recommend them.
Our service is free. We work for you, not the insurance companies. We do all the paperwork, ensure your doctors are in network, and review your account every year to determine if your plan needs to be adjusted based on medical changes or if we can find you additional savings.
Navigating the complex world of Medicare insurance in Michigan can be overwhelming, but our step-by-step process makes it easy. We’ll guide you through the process of understanding your Medicare options, selecting the right plan for your needs, and enrolling in coverage.
Medicare Benefits Group: Accredited by the Better Business Bureau with an A+ Rating!
At Medicare Benefits Group, we pride ourselves on providing exceptional services to our valued clients. We are delighted to announce that we have been accredited by the prestigious Better Business Bureau (BBB) and have achieved the highest rating possible—an A+ rating.
When you choose Medicare Benefits Group, you can have peace of mind knowing that you are working with a company that has met the BBB’s stringent standards for excellence. Our A+ rating signifies our dedication to customer satisfaction, fair business practices, and resolving any concerns promptly and efficiently.