Seniors from Florida who choose to enroll in a Medicare Advantage Plan have good options. Medicare Advantage is government approved private health insurance that you can purchase to replace your Original Medicare private-fee-for-service benefits.
Some rural areas don’t offer plans, while others offer only a few. Medicare Advantage options are typically HMO or PPO plans that use hospital and doctor networks to provide care.
Getting Enrolled in a Florida Medicare Advantage Plan
Most people living in Florida, age 65 and older, qualify to enroll in Medicare Advantage. An exception is a disqualifying illness, such as End-Stage Renal Disease (ESRD).
You can join or switch plans during a Medicare Election Period. For most people, the Annual Election Period (AEP), which starts on 15 October and ends 7 December, is the time they update their enrollment.
You also have an Individual Election Period (IEP). Your IEP is based on your 65th birthday. It starts the month before and ends the month after, so you have plenty of time.
There are three ways to enroll. You can call a plan directly. This makes for quick and easy enrollment if you already know the plan you want.
The second way is to go to www.Medicare.gov and enroll through the government website. It’s an easy way to start your application on-line, compare plans, verify that your medications are covered and see which doctors take the plan you want.
The third way is to use an independent insurance agent. This is the best way to go if you need someone to help advise you. Most local agents represent multiple insurance products, giving you plenty of options.
Florida Medicare Advantage vs. Original Medicare, Medigap and Part D
If you are concerned that a Medicare Advantage plan could be inconvenient or limit your services, there is another way to get full coverage and lower your out-of-pocket costs. You also have the option to hold on to your Original Medicare PFFS benefits and upgrade your coverage with Florida Medicare Supplement Insurance and a Florida Medicare Part D Plan (for help with your prescription drugs).
If you’re not familiar with Medigap policies, and how they protect you from medical care liability, please review our Florida Medigap Plans page. All Medigap plans are standardized. That means you can chose the plan you need based on best price without worrying about the benefits.
About Our 2015 Florida Medicare Advantage (Part C) Information
The Medicare insurance data published by MedicareWire.com is received from public data files provided by the U.S. federal government. MedicareWire.com updates its databases quarterly. However, we are unable to verify the correctness of the data received. You must consult with a licensed insurance agent to get an exact quote for your situation.For more information about the Medicare program, visit http://cms.gov. This page was last updated on 9/13/2015.