Michigan Medicare Broker — Licensed, Independent, and Ready to Help

We work with Michigan residents and Michigan-Arizona snowbirds who need Medicare guidance they can trust. Whether you live in Detroit, Grand Rapids, or anywhere in between, we meet you by Zoom — no office visit required.

Why Michigan Residents Work With Us

Finding a Medicare broker licensed in Michigan and Arizona who understands both states isn't easy. That's exactly what we offer. Kimber Hamilton has held her Michigan insurance license alongside her Arizona license, which means she can help you no matter which state you're calling home when questions come up.

We're independent. We're appointed with multiple carriers — including Aetna, UnitedHealthcare, Humana, Cigna, Mutual of Omaha, and Physicians Mutual — so our job is matching you to the right plan, not steering you toward any one company. If your current coverage is already working for you, we'll tell you that too.

• Licensed Medicare broker in Michigan and Arizona
• Appointed with multiple carriers — no single-company bias
• BBB Accredited with an A+ rating since 2021
• CMIP® designation (Certified Medicare Insurance Planner)
• NABIP member
• All consultations conducted by Zoom — available statewide

Medicare Advantage Plans in Michigan

Michigan has a competitive Medicare Advantage market, particularly in metro areas like Detroit, Grand Rapids, Lansing, and Ann Arbor. Plan availability, provider networks, drug formularies, and premium structures vary significantly by county — and what works well in one zip code may not be the right fit in another.

We compare Michigan Medicare Advantage plans across the carriers we're appointed with, looking at your doctors, your prescriptions, and how you actually use your coverage. Our goal is to find the plan that fits your life — not the one with the flashiest benefits package.

Understanding Your Medicare Options in Michigan

Michigan residents turning 65 have the same federal Medicare choices as everyone else — but the local details matter. Here's how the main coverage types work.

Medicare Advantage (Part C)

Medicare Advantage plans in Michigan are offered by private insurers and bundle your Part A, Part B, and usually Part D coverage into one plan. Most include dental, vision, and hearing benefits. Networks are local, so the plan you choose needs to include your preferred doctors and hospitals in Michigan.

Medicare Supplement (Medigap) in Michigan

Michigan Medigap rules follow federal standardization, which means Plan G in Michigan covers the same benefits as Plan G in Arizona. What differs is the premium — rates vary by carrier, your age, your tobacco status, and the pricing method the carrier uses. Michigan uses attained-age, issue-age, and community-rated pricing depending on the carrier, so it's worth comparing carefully. We walk through the options with you so you understand exactly what you're buying before you decide.

Medicare Part D Prescription Drug Plans in Michigan

Part D plans in Michigan change every year. Formularies shift, premiums adjust, and the pharmacy networks that were included last year may look different this year. If you're on a standalone Part D plan or reviewing drug coverage as part of a Medicare Advantage plan, we compare your specific medications against current plan formularies to find the lowest total cost — not just the lowest premium.

Annual Enrollment Period (October 15 – December 7)

The Annual Enrollment Period is the main window for Michigan residents to switch Medicare Advantage or Part D plans. Changes take effect January 1. If you're not sure whether your current plan is still the right fit, this is the time to review it — and we're here to help with that comparison.

Medicare Open Enrollment Period (January 1 – March 31)

If you're already in a Medicare Advantage plan, the Medicare Open Enrollment Period gives you one more opportunity to switch to a different Medicare Advantage plan or return to Original Medicare with a Part D plan. Changes made during this window take effect the first of the following month.

Michigan-Arizona Snowbirds: Medicare That Works in Both States

One of the most common questions we hear: "I spend winters in Arizona and summers in Michigan — what Medicare plan should I have?"

The answer depends on your coverage type. Original Medicare with a Medigap plan gives you the most geographic flexibility because Medigap plans work with any provider who accepts Medicare, anywhere in the country. Medicare Advantage plans, by contrast, use local networks — which can create access problems when you're in your off-season state.

We help snowbirds think through this carefully. If you're splitting time between Michigan and Arizona, we'll map out your options honestly so you understand the tradeoffs before you enroll.

Moving from Michigan to Arizona? Here's What to Know

Relocating permanently changes your Medicare situation. If you move from Michigan to Arizona mid-year, your Medicare Advantage plan may no longer cover you outside of its Michigan network — which triggers a Special Enrollment Period that lets you switch plans without waiting for the Annual Enrollment Period.

We help Michigan-to-Arizona movers navigate this transition so there's no gap in coverage and no confusion about timing. If you're planning a move or have already relocated, reach out and we'll walk through your options together.