How Lara Helps Michigan Residents at No Cost
Lara is licensed in Michigan and ten other states. Everything happens by phone or video, so residents in Detroit, the Upper Peninsula, and everywhere between get the same help. Agent compensation comes from carriers, so pricing is identical to buying direct. She compares carriers rather than selling one, checks your prescriptions against each plan's formulary, and stays reachable after you enroll.
Medicare Basics in Michigan
Michigan had 2,306,545 people enrolled in Medicare as of January 2026. About 11 percent are under 65 and qualify through disability, slightly above the national average. Michigan is a heavy Medicare Advantage state. Over 63 percent of beneficiaries are in Advantage plans as of early 2026, well above the roughly 51 percent national figure, and residents saw an average of 50 Advantage plans available in 2026. More choice means more chances to overpay for the wrong network or drug formulary, which is exactly where an independent agent earns their keep. The 2026 numbers for Michigan, from the official CMS Landscape file: 148 distinct Medicare Advantage plans are offered in at least one Michigan county, 68 of them with a $0 monthly premium where offered, plus 44 Special Needs Plans. The in network out of pocket maximums on those plans run from $2,900 to $9,250, with a median of $5,100. What is actually available depends on your county, which is exactly what we check at your address (Goulson analysis of CMS CY2026 Landscape data).
Medicare Open Enrollment Runs October 15 to December 7, 2026
Medicare open enrollment for Michigan runs October 15 to December 7, 2026, the same dates as every state, and changes made during this Annual Enrollment Period take effect January 1, 2027. An annual review matters even if you like your current plan. Michigan residents saw an average of 50 Medicare Advantage plans in 2026, and networks, drug tiers, and extra benefits change every year, so the plan that fit you this year may not be the best fit next year. Lara compares your options at no cost, by phone or video, and checks your prescriptions against each plan's formulary before you commit. If you miss the window, you may still qualify for another enrollment period, such as the Medicare Advantage open enrollment period early in the year or a special enrollment period after a move. Book a review call at (818) 472-5484 before the December 7 deadline.
Michigan Medigap Rules You Should Know
Michigan has no birthday rule, so switching Medigap plans after your first six months usually means medical underwriting, and timing matters. Michigan law, MCL 500.3831, does require insurers that also sell major medical coverage to offer Medigap Plans A and G guaranteed issue to beneficiaries under 65, year round. Premiums can be higher for under 65 buyers and only a handful of insurers offered these plans in 2026, so shopping help matters. Twenty four insurers sold Medigap in Michigan in 2026.
Serving Detroit, Grand Rapids, Ann Arbor, and All of Michigan
Detroit and Wayne County have the deepest Advantage menus in the state, and many retirees are also coordinating former employer or union retiree coverage with Medicare. Grand Rapids clients weigh strong regional health systems against statewide plan networks. Ann Arbor residents often want to protect access to a specific academic medical center, which narrows the plan list quickly. Plan availability varies by county, and phone or video service covers every Michigan zip code.
Why Use an Independent Agent Instead of Calling Carriers
One carrier shows you only its own plans. An independent agent compares across carriers, checks your doctors and prescriptions against each plan, and stays your contact after enrollment. Medicare does not cover most long term care, so Michigan families often plan for that separately.
Talk to a Licensed Agent About Your Michigan Medicare
Medicare is easier when someone reads the fine print with you. Lara Goulson is licensed in Michigan and ten other states, compares plans from multiple carriers, and stays available after you enroll, when the questions about claims, drug tiers, and provider changes actually show up. There is no fee for any of it. Carriers pay agent compensation, so a Michigan resident pays exactly the same premium whether they enroll through Lara, through a call center, or on their own.
Call or text (818) 472-5484 for a free Michigan Medicare review. No cost, no obligation, and your premium is the same either way.
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