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Medicare Insurance Plans

Choosing the right health care plan might seem intimidating at times, especially in the world of Medicare.

As a licensed, local independent agent certified to sell Medicare Advantage and Medicare supplement plans from Blue Cross Blue Shield of Michigan, Nick Dickinson is happy to work with you to compare available options and help you choose the Blue Cross plan that’s best for you. His goal is to make sure you’re comfortable with and confident in your plan choice. 

We know your health care is important to you. Whether you are just turning 65 and still weighing your options and or already enrolled in Medicare and considering a change, we invite you to give Nick a call at 810.398.5129 to discuss how these plans could benefit you. 

Medicare Supplement Insurance and Medicare Advantage at a Glance

While both plans are options for individuals eligible for Medicare, there are very distinct differences. Medigap is used by people enrolled in traditional Medicare to help cover excess costs or “gaps” in coverage, while Medicare Advantage actually replaces traditional Medicare. 



Traditional Medicare w/Medigap

Medicare Advantage

Doctors and Hospitals

You can select your doctors and hospitals as long as they accept Medicare patients.

You may be limited to using doctors and hospitals within your plan’s network.

Referrals

You can see specialists without referrals.

You may need referrals and may be required to use network specialists.

Network

No network restrictions.

You may have network restrictions. Emergency care is covered for travel within the United States and sometimes abroad.

Enrollment

You can apply to buy a Medicare Supplement Insurance plan any time after you turn 65 and join Medicare Part B.

There are specific times during the year when you can enroll or switch to another Medicare Advantage Plan.

Costs

You pay a monthly plan premium in addition to your Part B premium. When you use services, your out-of-pocket costs are limited.

Generally, you pay a low or $0 monthly plan premium in addition to your Part B premium. When you use services, you pay co-pays, co-insurance and deductibles.

Prescription Drug Coverage

Prescription drug coverage is not included. Consider also purchasing a Medicare Part D Plan.

Prescription drug coverage is included with most plans.


Funds not insured by the FDIC, not deposits of, or guaranteed by Eastern Michigan Bank or any of its affiliates; not insured by any federal government agency; subject to investment risk if the insurance has a cash value, including possible loss of the principle amount invested. Insurance products are made available through Eastern Michigan Financial Services, LLC, a licensed insurance agency affiliate of Eastern Michigan Bank; insurance products are underwritten by, and are the obligations of, the insurance companies that issue the insurance policies; these insurance companies are not affiliated with Eastern Michigan Bank or Eastern Michigan Financial Services, LLC.



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