What is the Michigan Medigap Subsidy?

The Michigan Medigap Subsidy is a program from the Health Endowment Fund. If you qualify, it pays part of your premium directly to your Medigap insurer. You pay the rest.

How much is the subsidy?

The subsidy will be subtracted from your monthly premium amount. If you qualify, the amount will depend on your age and whether you have a disability:

  • Under 65 (with disability): $125
  • 65-75: $40
  • 76-plus: $65

How do I qualify?

The subsidy is for Michigan residents who:

  • Have a household income of $26,730 or less for one person or $36,045 or less for two people
  • Qualify for Medicare
  • Are a member of a Medigap or Medicare Supplement plan from a participating insurer
You can find more information at MichiganMedigapSubsidy.com.

When do I apply?

We accept applications anytime.

Apply online at MichiganMedigapSubsidy.com. You can also download a paper application online, or call 1-866-824-9772 (TTY: 1-866-824-7002) and the Michigan Health Endowment Fund will mail one to you.

To apply, you'll need:

  • Proof of Medigap coverage (like your Medigap card) 
  • Proof of income (like your most recent tax return)
  • Proof that you live in Michigan (like your driver’s license)

How does the subsidy work?

Once the Michigan Health Endowment Fund approves your application, they will work with us to apply the subsidy to your bill. This may take several weeks.

You’ll need to sign up every year and provide proof of income from the year before.

What if I have questions?

You can get more information at healthendowmentfund.org. Or, you can call:

  • The Michigan Medigap Subsidy: 1-866-824-9772 (TTY: 1-866-824-7002)
  • The Health Endowment Fund: 517-374-0031
  • The Michigan Medicare/Medicaid Assistance Program: 1-800-803-7174