A Medico or Wellabe Medicare Supplement rate increase should be checked against your own renewal notice. There is no single increase percentage that applies to every Michigan policyholder. The legal issuing company, policy form, rating method and effective date matter.
Read the notice before comparing numbers
Wellabe includes Medico-branded insurance companies, but the name on your policy determines the contract. A rate shown for a different state or company is not evidence of your Michigan renewal price. A proposed filing is also different from an approved rate and your final bill.
| Detail | What to record |
|---|---|
| Insurer and policy form | The exact contract affected. |
| Old and new premium | Compare the same payment frequency. |
| Effective date | When the new amount becomes due. |
| Discounts | Whether a discount ended or changed. |
Ask what caused your change
Premiums can reflect rating methods, age where applicable, class-wide adjustments and discounts. Guaranteed renewability does not freeze the premium. Ask member services for the explanation applicable to your policy rather than accepting an unsupported online claim about company-wide increases.
Compare replacements without creating a gap
Michigan's insurance department explains that applications outside protected enrollment can be subject to medical underwriting. A price increase alone should not be assumed to create a guaranteed-issue right. Have DIFS or the state counseling program review your circumstances.
Compare the same benefit letter and deductible version. Check acceptance and the new effective date before ending current insurance. Moving to Medicare Advantage is a separate decision with different benefits, networks and enrollment rules.
Keep the supporting records
Retain notices, quotes and correspondence. Contact Michigan DIFS if the explanation remains unclear. Do not use an ACA individual-market rate announcement as proof of a Medicare Supplement rate change; those are different insurance markets.
Related coverage questions
- UnitedHealthcare Medigap Rate Increases: How to Review Your Notice
- Medigap Guaranteed Issue Rights: Eligibility, Deadlines and Proof
- Do Medigap Policies Automatically Renew? Premiums and Coverage Notices