Getting the Best Medicare Coverage in Florida

Valencia Higuera Valencia Higuera is a writer from Chesapeake, Virginia. As a personal finance and health junkie, she enjoys all things related to budgeting, saving money, fitness, and healthy living.
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Getting the Best Medicare Coverage in Florida

Workers above the age of 65 are generally eligible to enroll in Medicare. In some special cases, disabled workers and their spouses are eligible for coverage before the age of 65. Medicare primarily consists of three sections, Part A, Part B, and Part C, or Medicare Advantage. Part A covers hospital insurance, Part B covers medical insurance while Medicare Advantage is managed healthcare. 

Preventive care is now free for seniors and people with disabilities. Residents who attain eligibility are automatically enrolled in the Original Medicare, but they have to opt-in for Medicare Advantage.

In this article we’ll cover:

  1. The Basics of Medicare Advantage in Florida
  2. The Basics of Medicare Part D in Florida
  3. The Basics of Medicare Supplement, or Medigap, in Florida
  4. Popular carriers and How to Get a Free Advantage, Supplement, and/or Part D Quote

Medicare Advantage Plans of Florida

Medicare Advantage Plans are a type of Medicare health plan offered by private carriers within Florida, partnered with Medicare and the Centers for Medicare and Medicaid Services (CMS). These plans provide customers with all of Part A and Part B’s benefits. Most Medicare Advantage Plans in Florida also offer prescription drug coverage, but it is essential that you speak with your Advantage carrier to ensure drug coverage. 

The most common types of Medicare Advantage Plans are:

  • Health Maintenance Organization Plans (HMO)
  • Preferred carrier Organization Plans (PPO)
  • Private Fee-for-Service Plans (PFFS)
  • Special Needs Plans (SNP)
  • HMO Point of  Service Plans (HMO-POS)
  • Medicare Medical Savings Account Plans (MSA)

Residents living in the state of Florida are generally eligible for one of these plans. Residents must already have Medicare Part A and Part B and must not suffer from end-stage renal disease. Contact the Medicare carrier for more details about their service area. For more information on Medicare Advantage plans, or to receive a free quote, head over to MedicareExpertUSA.  

What Are My Medicare Coverage Options?

Part D Coverage in Florida

The Medicare Prescription Drug Plan is also called Medicare Part D. It is a completely optional federal government program to help beneficiaries to pay for their prescription drugs. Part D accomplishes this by covering costs for self-administered drugs through prescription drug insurance premiums. Individuals signed up for benefits under Medicare Part A and/or Part B are eligible for prescription drug coverage under Part D plan. 

Beneficiaries have two options to benefit from prescription drug coverage provided by private insurance plans. They can opt for a Prescription Drug Plan (PDP) which is a standalone program. This program does not cover norprovide any medical coverage, but can only be enrolled in when you have acuired Part A and B Original Medicare coverage.

A person may also join a public Part C health plan that jointly covers all hospital and medical services covered under Medicare Part A and Part B. These plans typically cover additional costs not borne by Part A and Part B like prescription drugs.

Medicare beneficiaries have to be signed up for both Part A and Part B to avail Part C, while they need just one (either Part A or Part B) to avail Part D. 

Beneficiaries in Florida can enroll directly through their plan’s sponsor. Indirect enrollment is also possible through an insurance agent or a Medicare Plan Finder. The Medicare beneficiaries’ benefits, rights, and additional assistance payments all remain the same regardless of the enrollment channel. 

Do I Need a Medicare Prescription Drug Plan?

Medicare Supplement Plans of Florida

Medicare Supplement plans are sometimes referred to as a ‘Medigap.’ These are private insurance policies that cover additional costs that the Original Medicare does not cover. These include costs like co-payments, coinsurance, and deductibles. A few plans even cover health costs for beneficiaries when they travel outside the US. 

Medicare sSupplement plans do not cover long-term care, dental care, vision care, hearing aids, and private-duty nursing. They also sometimes do not cover prescription drug costs. 

Supplement plans cover only individuals and can be bought at a monthly premium from a private insurance carrier. 

Individuals who are already beneficiaries of Medicare Part A and Part B are eligible for a Florida Medigap. Medicare Advantage beneficiaries are not eligible for Medicare supplement plans. 

What is Medicare Supplement and Do I Need It?

The Most Popular Medical Supplement Plan Carriers in Florida

Cigna Medicare Supplement Insurance 

Cigna is the industry-leading Medicare Supplement plan carrier in the market right now. They serve 95 million people across the US. They provide competitive premiums and also cover unexpected expenses. Their plans can be used nationwide. Cigna is also very flexible in terms of Medicare carriers. They work with every Medicare carrier in the country. The plans are also guaranteed renewal, which means beneficiaries cannot be dropped for developing medical conditions. 

They cover Part A, B, C, D, F, HD-F, G, and N. 

Mutual of Omaha 

Mutual of Omaha boasts an extensive experience providing Medicare Supplement plans. They have dealt with the red tape that comes from the CMS since the beginning and they understand the system very well. They have several subsidiary companies working across several states. They work with any Medicare carrier and international coverage is also an option. 

They cover Part A, B, C, D, F, HD-F, G, and N. 

Aetna Medicare Supplements 

Aetna is the face of insurance stability. They have been in operation for about 160 years now. Their Supplement insurance plans cover outpatient charges, deductibles, inpatient hospital stays, skilled nursing facility care, and Medicare-certified hospice. The plan also provides an extra hospital stay of 365 days in case Medicare coverage runs out. 

They cover Part A, B, C, D, F, HD-F, G, and N. 

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