The Michigan Guaranteed Issue Medicare Supplement policy gives residents access to Medigap coverage with no medical underwriting. It’s a rare chance to get accepted regardless of your health—no medical exams, no underwriting, no denials. But it is only available through one insurance carrier and only for 3 plans.
What is guaranteed issue for Medigap?
Guaranteed issue means an insurance company must sell you a Medicare Supplement (Medigap) policy, must cover all your pre-existing conditions, and can’t charge you more because of your health.
Normally, this right usually kicks in during specific situations—like losing other qualified health coverage, turning 65 and joining Medicare for the first time, or moving out of a Medicare Advantage plan’s service area. The big benefit? You skip medical underwriting, so you won’t be denied due to past health issues.
But in Michigan, Humana Insurance Company goes further: it accepts all applicants into Plans A, C, and D with no underwriting at any time.
Get a Medigap Quote Enroll in Medigap
When does Humana offer guaranteed issue Medigap plans in Michigan?
At all times. In Michigan, Humana Insurance Company provides open guaranteed issue enrollment for Plans A, C, and D. That means:
- You don’t need a qualifying event (like losing other coverage).
- You don’t need to be in your 6-month Medigap Open Enrollment Period.
- You don’t need to pass any health questions or medical review.
This is an unusually generous policy and a great opportunity for applicants with pre-existing conditions or anyone who may have missed their standard enrollment window. While this is a nice offer, those without pre-existing conditions or who are in their initial enrollment period should consider Plan G and Plan N as they are priced well and have more benefits than A, C and D.
👉 Want to see all your rights? Read our full article on Expert’s Guide to Michigan Medigap Plans.
Which Medigap plans have guaranteed issue rights in Michigan?
Humana Insurance Company offers three Medigap plans with guaranteed acceptance in Michigan: Plan A, Plan C, or Plan D.
Here’s a side-by-side comparison to help you see the differences:
| Benefit | Plan A | Plan C | Plan D |
|---|---|---|---|
| Basic Benefits | ✔ Covered | ✔ Covered | ✔ Covered |
| Skilled Nursing Facility Coinsurance | ✘ Not Covered | ✔ Covered | ✔ Covered |
| Part A Deductible | ✘ Not Covered | ✔ Covered | ✔ Covered |
| Part B Deductible | ✘ Not Covered | ✔ Covered | ✘ Not Covered |
NOTE: Plan C is the most comprehensive of the guaranteed issue options, but it’s only available if you were eligible for Medicare before January 1, 2020. (Source)
Can I apply if I’ve been denied Medigap coverage before?
Yes. Even if you were previously denied due to health conditions, you are eligible for guaranteed acceptance into Humana Insurance Company’s Plans A, C, or D in Michigan. That makes this a valuable option for those who missed Open Enrollment or had trouble qualifying with other insurers.
Get a Medigap Quote Enroll in Medigap
Is this guaranteed issue policy available in other states?
No. This open guaranteed issue policy is specific to Michigan and only applies to Humana Insurance Company, not other Humana subsidiaries or companies.
So, if you live in another state, you’ll need to meet certain qualifying events to apply without underwriting, and the available plans may be different. If this is your situation, check out our IA Medigap Underwriting Checker. If you need help, you can contact the Senior65.com team at 800-930-7956 or leave a comment below, and we’ll get in touch to help you for free.
What if I want a plan from another Humana company?
Only Humana Insurance Company offers guaranteed issue for Plans A, C, and D in Michigan. Plans offered by other Humana entities—such as Humana Achive—are not guaranteed issue, and may require full underwriting. Make sure to verify the issuing company before applying.
👉 Confused about this? Read all about Humana Insurance Company vs. Humana Achieve.
Does the Birthday Rule apply in Michigan?
No. Michigan does not have a Birthday Rule like California or Oregon. In those states, beneficiaries can switch Medigap plans annually without underwriting. Need more info? Visit our article with all the Birthday Rules, state by state.
In Michigan, this open guaranteed issue offering from Humana acts as a substitute, allowing access without restrictions. Are you thinking about Switching Plans? Read all the rules in our complete guide.
Are guaranteed issue plans more expensive?
In general, guaranteed issue plans can be more expensive because they accept everyone, regardless of health.
👉 Want to compare rates instantly? Click here to get a free quote or call us at 800-930-7956.
FAQ Section about Michigan Guaranteed Issue Humana Medicare Supplement
Q: Can I get Plan G with guaranteed issue from Humana in Michigan?
A: No. Only Plans A, C, and D are available with year round guaranteed issue. Plan G requires medical underwriting if you are outside your initial enrollment period or don’t qualify for special enrollment..
Q: Do I need a qualifying event to apply for these plans?
A: No. Humana Insurance Company in Michigan accepts all applicants into A, C, or D—no matter your situation.
Q: Is this available from other companies?
A: Some may offer GI access during certain periods, but Humana’s offering is one of the few that is open to everyone.
How to enroll?
To take advantage of this guaranteed issue opportunity in Michigan:
🟨 Enroll online for Humana Medigap here
🟧Use our instant Medigap quote tool to see prices (toggle to plan
🟨 Check with us to ensure you’re applying through Humana Insurance Company.