Don't let all of the Medicare health insurance options in Palm Beach County scare you. Click one of the plan types below to compare just the Medicare coverage you need. If you are looking for more information about your options click here.
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.
Palm Beach County Medicare Insurance Options
Medicare Part A (inpatient) and Medicare Part B (outpatient), commonly called Original Medicare, is the same for everyone with Medicare benefits, including Palm Beach County. This is not true of the other parts of Medicare, which are highly dependent on where you live.
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.
MedicareWire.com seeks to take as much of the guess work out of selecting Medicare health insurance as possible. Our goal is to help you narrow down your plan options before you get on the telephone with a licensed adviser. We know from experience that an educated healthcare consumer is more often satisfied with the care they receive than those who don't do their homework.
Medicare Advantage Insurance in Palm Beach County
If you're concerned that Original Medicare might be too expensive (you pay 20% of all costs), then a Palm Beach County Medicare Advantage plan is the first option you need to explore. It's the private health insurance alternative that replaces your Medicare Part A and Part B benefits with a managed care plan (HMO or PPO), or a private fee-for-service plan (available in limited areas).
For most Palm Beach County seniors cost is a factor, so let's talk about it. You have plans as low as $0.00 per month and some as high as $127.00 per month. It's not always true that the higher the premium the more benefits and coverage you get. Be a good shopper and compare. Be sure to compare prescription drug benefits. There are 29 plans that give you prescription drug coverage and 6 that don't include it.
There are several different type of plans, including Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), Private Fee-for-Service (PFFS), and Medical Savings Account (MSA). HMO and PPO plans are the most common. We identify the plan type and its benefits on each plan page.
Zero dollar ($0) plans are available in most areas, but not all. Zero dollar does not mean free, it simply indicates that there's no additional monthly premium to enroll. However, you are still required to pay your monthly Part B premium. This is the case with all Medicare Advantage plans.
Are you aware that Medicare Advantage has an annual out-of-pocket spending limit? This feature, called the Maximum Out-of-Pocket (MOOP) expense, is what safeguards you from the threat of high medical bills. Each year the Centers for Medicare and Medicaid Services (CMS) sets the maximum and an alternative minimum MOOP that plans may offer, so be sure to look for it when comparing your health insurance options.
To better understand why more and more seniors make the switch to Medicare Advantage each year, have a read through our Medicare Advantage Frequently Asked Questions and Medicare Advantage Coverage pages. There you will find everything you need to know to decide if it the right move for you.
Medicare Supplement Insurance in Palm Beach 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.
Medicare Supplements protect you by paying all or part of the uncovered portions of your Medicare bill (up to the limits of the plan you choose). Each of the ten lettered plans have different coverage levels, but they are all standardized by the Florida state board of insurance. You simply choose the level of coverage you want and shop for the best premium.
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 Palm Beach 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).
You have a variety of options available to you throughout Florida. This year there are a total of 30 prescription drug plans available, each with its own formulary. Monthly premiums start at just $12.60 and go up to $174.70 per month for the most inclusive extended plan. While shopping and comparing, don't forget to look at the annual deductible. This is what you will pay at the pharmacy before assistance begins.
How-To Find a Medicare Doctor in Palm Beach County, Florida
We've recently added all Palm Beach 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 Belle Glade, Boca Raton, Boynton Beach, Delray Beach, Greenacres, Jupiter, Lake Worth, Loxahatchee, North Palm Beach, Pahokee, Palm Beach, Palm Beach Gardens, Royal Palm Beach, Wellington, West Palm Beach, and surrounding areas.