Otsego County, Michigan
Medicare agents in Otsego County, MI
Find a licensed agent with an office in Otsego County, and see what Medicare looks like here: how many people have it, how many are in Medicare Advantage, and how many plans are offered for 2027.
Last reviewed October 27, 2026. General information, not advice about any plan.
Agents in Otsego County
No agents with an office in Otsego County are listed yet. Agents licensed anywhere in Michigan can help by phone or video: see agents in Michigan.
Before you meet anyone, check their Michigan license.
Medicare in Otsego County
- People with Medicare
- 7,408
- In Medicare Advantage or another Medicare health plan
- 55% (4,092)
- With both Medicare and Medicaid*
- 12% (919)
Otsego County ranks 61st of Michigan's 83 counties by number of people with Medicare. 55% are in Medicare Advantage or another Medicare health plan, compared with 63% across Michigan. 12% also have Medicaid*, compared with 14% statewide.
Source: CMS Medicare Monthly Enrollment, July 2026, for the county and the state. Otsego County has about 26,083 residents (Census, 2024). Medicare health plans include Medicare Advantage, cost plans and PACE, not Medigap or drug plans. *Includes people who get help only with Medicare costs from a Medicare Savings Program.
2027 plans offered in Otsego County
- Medicare Advantage with drug coverage
- 33 plans, 17 with a $0 plan premium
- Medicare Advantage without drug coverage
- 7 plans
- Special Needs Plans
- 12 plans: 9 for people with both Medicare and Medicaid; 3 for people with certain chronic conditions. Only people who qualify can join.
- Companies offering these plans
- 9
For comparison, the typical Michigan county has 34 Medicare Advantage plans with drug coverage for 2027.
Standalone drug plans in Michigan: 11 plans, with monthly premiums from $5.30.
Source: CMS 2027 plan landscape (updated October 2026), which lists plans by county. A $0 plan premium doesn't mean $0 costs: you still pay the Part B premium, plus copays, and plans differ in their yearly limit and in which doctors and drugs they cover. How to compare.
Cities, towns and ZIP codes in Otsego County
Everything on this page applies across the whole county, including these places.
Cities and towns, largest first
- Gaylord
- Vanderbilt
Source: Census Bureau, Vintage 2024 population estimates, the 2020 list of census-designated places, and 2020 ZIP Code Tabulation Areas (which leave out ZIP codes used only for PO boxes). A place or ZIP code that crosses a county line is listed in each county it covers a real part of.
Free local help
- Michigan State Health Insurance Assistance Program (SHIP)
- Michigan's free, unbiased Medicare counseling program. 1-800-803-7174 · Website
- The Michigan Department of Insurance and Financial Services (DIFS)
- Licenses agents and takes complaints. 1-877-999-6442 · How to check a license
- 1-800-MEDICARE
- 1-800-633-4227 (TTY 1-877-486-2048), 24 hours a day, 7 days a week, except some federal holidays.
Michigan rules to know
- Switching Medigap plans
- Michigan doesn't add a yearly Medigap switching right. Outside your 6-month Medigap Open Enrollment Period (which starts when you're 65 or older and have Part B) and certain federal protections, such as losing other coverage, insurers can usually ask health questions and turn you down. States with switching rights.
- Medigap under 65
- Required, with limits. Michigan has no rule written just for people under 65, but insurers that also sell group health insurance must sell a basic Medigap policy (like Plan A) or Plan D or G (C or F if you got Medicare before 2020) to anyone on Medicare who asks, with no age limit, though they can make you wait up to 6 months for coverage of pre-existing conditions.
- Agent licenses
- Agents must be licensed for health insurance in Michigan. Look one up.
Dates to know
- October 15 to December 7
- Open Enrollment: change Medicare Advantage or drug plans for the next year.
- January 1 to March 31
- Medicare Advantage Open Enrollment: one change for people already in a Medicare Advantage plan.
- Turning 65
- A 7-month window around your birthday month. The checklist.
Moving to Otsego County from another state opens a special enrollment period for Medicare Advantage and drug plans. It doesn't by itself let you buy Medigap without health questions. What to do.
Common questions
How many people in Otsego County have Medicare?
In Otsego County, 7,408 people had Medicare in July 2026, according to CMS. About 55% were in Medicare Advantage or another Medicare health plan; the rest had Original Medicare.
How many Medicare Advantage plans are offered in Otsego County for 2027?
CMS lists 33 Medicare Advantage plans with drug coverage in Otsego County for 2027 (17 with a $0 plan premium; you still pay the Part B premium), 7 without drug coverage, and 12 Special Needs Plans for people who qualify, from 9 companies. Medicare.gov's Plan Finder shows which ones cover your address, doctors and drugs.
Which towns does this page cover?
All of Otsego County, including Gaylord and Vanderbilt. Medicare Advantage plans are generally offered county by county, so the plan counts here apply across Otsego County.
Which ZIP codes are in Otsego County?
49730, 49733, 49735, 49751 and 49795, according to the Census Bureau. A ZIP code that crosses a county line can be listed in more than one county.
Where can I get free Medicare help in Otsego County?
Michigan's free counseling program, Michigan State Health Insurance Assistance Program (SHIP) (1-800-803-7174), gives unbiased one-on-one help. You can also call 1-800-MEDICARE (1-800-633-4227) any time.
Will I pay more for a plan if I use an agent?
No. A plan's premium is set by the plan, and you pay the same whether you enroll through an agent, the plan, or Medicare.gov. Agents can't charge a fee to enroll you in a Medicare Advantage or drug plan.
Nearby
Keep reading
- How to find a good Medicare agent near youWhere to look for a local Medicare agent, how to narrow the list to one or two, and the five-minute checks to do before you share anything.
- Medicare Open Enrollment checklist: what to check before December 7A step-by-step checklist for the October 15 to December 7, 2026 Open Enrollment Period: what to read in your plan's letter, what's changing for 2027, what you can switch, and what happens if you do nothing.
- Medicare Advantage or Medigap? The questions that decide itNeither is better for everyone. How the two common Medicare set-ups differ, the questions that point to one or the other, and why the first choice is the hardest to undo.
Ready to talk to someone local?
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