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Medicare is a health insurance program for the elderly and disabled that the federal government funds. Both the federal government and private insurers can provide you with Medicare insurance.

88% of Florida’s Medicare enrollees qualify because of their age, but only 12% qualify due to a disability. In the US overall, 86% of Medicare recipients are eligible because of their age, while 14% are eligible because of their disability. Considering how Florida has the second-highest number of 65 and older residents in the country, this makes sense.

It is important to understand all your options when it comes to deciding on a Florida Medicare plan. To make an informed decision, you should do your own research and discuss your options with a licensed Medicare insurance agent.

An elderly couple

Medicare Options in Florida

Original Medicare

These are the standard Medicare benefits provided by the federal government. Original Medicare includes Parts A, and B. Medicare Part A provides hospital insurance. It covers inpatient care at a hospital, hospice center, or skilled nursing facility.

Part B covers medical insurance. This includes outpatient care at a hospital or skilled nursing facility and preventive healthcare services like vaccinations. It also includes immunization and screening that helps prevent diseases.

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Medicare Supplement (Medigap) Plans in Florida

Medicare Supplement or Medigap plans in Florida cover some or all the out-of-pocket expenses that enrollees would pay under the Original Medicare. Medicare Supplement plans are widely available in Florida, even if most eligible Medicare enrollees choose Medicare Advantage. As of 2021, you can select from 12 different Medicare Advantage plans, depending on where you reside.

Those under 65 and qualified for Medicare because of a disability are not guaranteed access to a Medigap plan under federal standards. However, Florida is one of several states that have implemented laws to assure that those under 65 eligible for Medicare in Florida have access to at least some Medigap policies.

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A Medicare insurance agent talking to an elderly couple

Comparing Medicare Advantage Plans in Florida

By 2020, 2,407,550Florida residents had enrolled in Medicare Advantage, accounting for nearly 43% of the state’s total population. With so many options available, you want to make sure you choose one that covers all your healthcare needs.

Discuss the following factors with your Medicare insurance agent when evaluating your Medicare options:

Provider Network

Some Medicare plans require that you only use providers that are part of the plan’s network. Any other option would mean paying for your own medical treatment, resulting in higher costs than using the provider network exclusively. Find out if your insurance plan covers your doctors and hospitals.

Amount of Coverage Required

Think about the benefits that you cannot do without.  In addition to the original Parts A and B, Medicare Advantage and Medigap plans include additional coverage for dental, vision, and hearing treatments. Compile a list of essential benefits to pick a plan that fulfills them all.

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Medicare Eligibility in Florida

You must be at least 65 years old to enroll in Medicare. In Florida, beneficiaries under 65 are also eligible for Medicare supplement policies. Patients with chronic or incurable conditions, such as end-stage renal disease (ESRD) and amyotrophic lateral sclerosis (ALS), can enroll in Medicare at any age.

Medicare Enrollment in Florida

If you’ve received four or more Social Security or Railroad Retirement Board payments before your 65th birthday, Medicare will enroll you automatically. In any other case, you have the option of applying online or via mail to your local Social Security Administration office. As a time-saving option, we recommend enrolling online.

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The Enrollment Periods for Arizona

Initial Coverage Election

This refers to when you become eligible for the first time. The period includes three months beforethe person’s 65th birthday, their birthday month, and the following three months. In the case of disability qualification, the period commences three months after and before thetwenty-fifth month of getting the benefits.

Annual Election

This period extends from October to December, during which you can switch to a Medicare Advantage Plan from the Original Medicare. Those already registered in Medicare Advantage can switch in the said time period.

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Why Should You Choose Medicare Hope Insurance Agents?

The Medicare Insurance Agents at Integrity Now Insurance Brokers are certified annually by America’s Health Insurance Plan (AHIP). With years of experience and expertise, our team can handle all your Medicare Insurance needs. The elderly, disabled children and others in need of support with their health expenses are among the many groups we serve.

With dozens of similar insurance plans for seniors constantly entering the market and existing plans being updated or removed entirely, there’s a lot to keep track of. Our Medicare insurance agents keep tabs on the market, so you don’t have to.

A Medicare insurance agent shaking hands with elderly clients

A Medicare insurance agent in Florida will review your healthcare needs and weigh all your options. This includes figuring out if a Medicare Supplement Plan or a Medicare Advantage Plan is best for you.

Once you applied for Original Medicare and received your Medicare card, reach out to our team. With our guidance, you can compare quotes and find a Medicare insurance plan that covers your needs at an affordable price.

Call us to speak with one of our representatives and get started on debt-free and stress-free living today!

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