What is the Michigan Medigap Subsidy?

Who is this for?

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If you're interested in a Medigap plan and wondering if you qualify for a subsidy, this tells you how to find out.

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.

How do I qualify?

The subsidy is for Michigan residents who:

  • Are at or below a certain household income
  • 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?

You can apply anytime online at MichiganMedigapSubsidy.com.

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.

Important information about your plan

The Medicare deductibles, coinsurance and copays listed are based on the 2019 numbers approved by the Centers for Medicare and Medicaid Services. You can go to any hospital, doctor or other health care provider in the U.S. or its territories that accepts Medicare. You don't have to use our network. Blue Cross Blue Shield of Michigan administers Blue Cross Medicare Supplement plans. Where you live, your age, gender and whether you use tobacco may affect what you pay for your plan. Your health status may also affect what you pay. This is a solicitation of insurance. We may contact you about buying insurance. Blue Cross Medicare Supplement plans aren't connected with or endorsed by the U.S. government or the federal Medicare program.

If you're currently enrolled in Plan A or Plan C, you can stay with your plan as long as you pay your premium. You may enroll in Plan C if you’ve lost coverage under a group policy after becoming eligible for Medicare. You're also eligible if you had Plan C, then enrolled in a Medicare Advantage plan, and now would like to return to Plan C. You can do this as long as it’s within the first 12 months of your Medicare Advantage plan. You're automatically eligible for Plan A if you’re 65 or older. If you’re under age 65, you are eligible for Plan A if you’ve lost coverage under a group policy after becoming eligible for Medicare. You can also enroll if you had Plan A, then enrolled in a Medicare Advantage plan, and now would like to return to Plan A. You can do this as long as it’s within the first 12 months of your Medicare Advantage plan. You’ll need to meet these requirements to apply for these plans.