Medicare · Detroit, MI
Medicare Plans for Detroit Residents
Turning 65 in Detroit? Already on Medicare and wondering if your plan still fits? Ten Point Financial Group is an independent Medicare agency based in Detroit. We help Michigan seniors navigate the four parts of Medicare, compare Advantage vs. Supplement, and understand every enrollment window.
$0
Cost to you for help
Independent
We compare all carriers
All 4 Parts
A, B, C, and D
Why Detroit
Michigan has its own Medicare landscape — different Advantage networks, different Medigap pricing, different drug formularies. Detroit retirees who use one of the big call-center brokerages often end up with whatever plan pays the broker most. We're independent — we'll show you the trade-offs honestly and let you choose. If Original Medicare + Plan G is right for you, we'll tell you. If a $0-premium Advantage plan fits better, we'll tell you that too.
How we help
Initial Enrollment (Turning 65)
Your 7-month IEP window — we walk you through Part A, Part B, Part D, and the Medigap-vs-Advantage decision before your birthday month.
Annual Election Period (Oct 15 – Dec 7)
Yearly review of your current plan. Networks change. Formularies change. Your needs change. We re-shop the market each fall.
Medicare Supplement Plans
Plan G, Plan N, Plan F (if eligible), and High-Deductible G. Side-by-side comparison with real Michigan rates.
Switching Plans
Already on Advantage and wondering about Supplement? We'll explain underwriting rules, the one-time switch windows, and what could go wrong.
Hospital Indemnity, Cancer/Heart/Stroke, DVH
Extra coverage that fills gaps Medicare leaves behind. We'll show you when these supplements make sense and when they don't.
Annual Enrollment: October 15 to December 7
Every fall, anyone on Medicare can change their Medicare Advantage or drug plan. Any change you make starts January 1. If you do nothing, your plan usually renews as is, even if its costs, network, or drug list changed. That is why a yearly review matters.
What to review before December 7
Your drugs against the plan's drug list
Plans update their drug lists each year. Check that every medication you take is still covered, and at what tier, at the pharmacy you use.
Your doctors and hospitals
Networks change. Make sure your doctors, specialists, and hospital are still in network for next year, not just this year.
Your total yearly cost, not just the premium
Add up the premium, deductibles, copays, and drug costs. A plan with a low premium can cost more over a year if you use a lot of care.
Extra benefits that changed
Dental, vision, hearing, and other extras can shrink or grow from year to year. Read your Annual Notice of Change, which plans mail each fall.
Frequently asked questions
I'm turning 65 next year — when should I contact you?+
Three months before your 65th birthday. That's when your Initial Enrollment Period opens. We can start the conversation earlier — there's no harm in being prepared.
Does it cost me anything to use a Medicare agent?+
No. Medicare agents are compensated by the insurance carriers, not by you. Your premium is identical whether you enroll directly with the carrier or through an independent agent. The agent guidance is free.
I'm already on Medicare Advantage. Can I switch to Original Medicare + Supplement?+
Sometimes — but it depends on underwriting. There are specific windows where switching is guaranteed-issue. Outside those windows, you may need to qualify medically. We'll walk through your options before you commit to anything.
Do you work with all the major Michigan Medicare carriers?+
Yes — we're independent and contracted with most major Medicare insurance carriers serving Michigan. We compare across the market, not within one company.
Can you help with Medicaid + Medicare (dual eligibility)?+
Yes. Dual-eligible plans (D-SNPs) have specific rules and coordination requirements. We help Detroit residents who qualify navigate the program.
How do I find a Medicare agent in Detroit?+
Look for a licensed, independent agent who works with more than one insurance company, so you can compare plans side by side. Ten Point Financial Group is based in the Detroit area. We meet by phone or video, and our help costs you nothing.
Is a Medicare agent the same as an FMO?+
No. An FMO, or field marketing organization, works behind the scenes with agents and insurance companies. It does not usually help people on Medicare directly. If you want help picking a plan in Detroit, you want a licensed agent, like our team.
When is Medicare open enrollment in Michigan?+
October 15 to December 7 every year. You can change your Medicare Advantage or drug plan, and changes start January 1. We re-check Detroit clients' plans every fall because networks and drug lists change.
Learn more
Carriers We Represent
We're independent — we shop the market for the policy that fits, not the highest commission.
Carrier logos shown are trademarks of their respective owners. We work with additional regional carriers — ask about a specific plan.
Talk to a Detroit Medicare agent
Free conversation. We'll review your current plan, your prescriptions, and your doctors — and tell you honestly whether you're in the right plan.
Educational content only. Not financial, legal, or tax advice. All services are provided by licensed professionals. Coverage decisions depend on individual circumstances.