Flagler County seniors can choose from a wide range of Medicare and other health insurance products to supplement their traditional Medicare coverage. Use the links below to narrow your options to a specific type of Medicare insurance. If you're not ready to make a decision click here to discover your options.
To speak with a Medicare adviser, call us toll-free at 877-549-1452 (TTY 411). Our telephone hours are 6AM to 5PM PST, Monday through Friday.
Flagler County Medicare Insurance Options
Traditional Medicare coverage – that's Part A and Part B – are not based on where you live in Flagler County or Florida. This is not true of Medicare Part C and Part D, or Medigap plans. Private Medicare insurance is regional, and costs and availability vary widely.
As if all of the various health insurance options aren’t confusing enough, you also need to make sure your doctor accepts the insurance you want, or find a doctor that does. Some doctors only work through insurance networks, while others treat patients with Original Medicare (and Medicaid). Some doctors do both.
The purpose of the MedicareWire.com website is to help guide you through the process of choosing your health insurance. It's all about providing you with the information you need so you can get on the phone with a licensed adviser and finalize your Medicare elections for the year.
Medicare Advantage Insurance in Flagler County
Medicare Advantage is a private health insurance replacement for Original Medicare. If you enroll in a Flagler County Medicare Advantage plan you are opting to receive all of your healthcare benefits through the plan. There are strict rules governing going back to Original Medicare, so read and be informed. In most cases you must wait until the next Annual Election Period.
There are 1 Medicare Advantage plans with prescription coverage and 0 without prescription coverage (Medicare Part D) in Flagler County. Monthly premiums range from $135.00 to $135.00.
Several different kinds of plans are available, but insurers generally offer just the most competitive plans for the area. Most commonly you will find HMO and PPO style managed care plans, but some areas have Private Fee-for-Service (PFFS) plans that work a lot like Original Medicare. A smaller number of areas have Medical Savings Account (MSA) style HMO plans.
If you're on a fixed budget and have good health, look for a plan with a $0 monthly premium. What this means to you is that all of the extra benefits have no additional monthly cost to you. What you pay is your monthly Medicare Part B premium and the co-payments outlined by the plan. Just realize these plans are, most often, the most basic available.
A low premium is not the only cost to consider when comparing health insurance. Don't forget to look at the MOOP. That's the maximum out-of-pocket expenses you will pay each year. It's an important feature, because it helps you avoid the heavy burden of high medical bills. Be aware that the MOOP does not include the cost of your premiums or your prescriptions.
A full thirty-three percent of all Medicare beneficiaries enroll in Medicare Advantage each year. The reason is simple: it's a cost-effective alternative to Original Medicare. We encourage you to learn more by visiting our Medicare Advantage Frequently Asked Questions and Medicare Advantage Coverage pages.
Medicare Supplement Insurance in Flagler County
Original Medicare offers Florida seniors the most flexibility in their healthcare options, but it also comes with a significant risk: Original Medicare does not have an out-of-pocket limit. This serious risk is the reason the insurance industry offers Medicare Supplemental insurance, also known as Medigap.
A Medigap policy is indemnity insurance that pays the portion of your bill not paid by Medicare (up to the limits of the policy). There are ten lettered plans in Florida (A through N) that are all standardized. So, no matter what carrier you choose, the lettered plan will be the same, only the premium will be different.
Medicare Supplement insurance is not like Medicare Advantage; by law it is not allowed to offer additional benefits, including prescription drug coverage. Each Medigap plan pays specific portions of the coverage gaps in Original Medicare. So, if it's not covered by Medicare Part A or Part be, Medigap insurance can't cover it either.
Medicare Prescription Drug Plans in Flagler County
One of the most important healthcare benefits needed by most Florida seniors is prescription medication coverage, and it's not included in Original Medicare. If you want assistance paying for your prescriptions you must enroll in a Medicare Advantage plan that includes it, or join a Medicare Part D plan (PDP).
There are a total of 8 PDPs available to Florida seniors. Premiums range from $30.30 to $98.90 per month. Also, be aware that some plans have an annual deductible that you must pay at the pharmacy before assistance begins. Some plans have a $0 deductible, but premiums are generally higher.
How-To Find a Medicare Doctor in Flagler County, Florida
We've recently added all Flagler County Medicare doctors (primary care physicians for now) to MedicareWire.com. Doctors who treat Medicare patients are listed by city or town. We have school information, years of experience, hospital affiliations and insurances for doctors in Bunnell, Flagler Beach, Palm Coast, and surrounding areas.
This page was last updated on: 11/12/2014.