You have a wide range of Medicare and other senior health insurance options available to you in Saint Lucie County. To make shopping easier, use the navigation links below to show specific plan types. Click here to learn more about your Medicare 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.
Saint Lucie County Medicare Insurance Options
Original Medicare (Part A and Part B) is the only Medicare insurance that's standard in Florida. All private Medicare insurance is regulated by the federal government, but plan and policy availability is regional (e.g., within all parts of Saint Lucie County or throughout the state).
Also, although there are nearly 200,000 primary care doctors (physicians) in America that are authorized to bill Medicare for services provided to their patients, every doctor accepts Medicare payments in a different way. As a result, the combination of health insurance options and doctors who accept them is seemingly endless.
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 Saint Lucie County
If the risk of high out-of-pocket costs with Original Medicare has you worried, then a Saint Lucie County Medicare Advantage plan is one alternative you need to consider. Medicare Advantage offers all of the same basic benefits as Original Medicare, and plans have the option to add additional benefits, including prescription drug coverage.
There are 6 Medicare Advantage plans with prescription coverage and 1 without prescription coverage (Medicare Part D) in Saint Lucie County. Monthly premiums range from $0.00 to $0.00.
Plans are not all the same, and there are several common types, including Private Fee-for-Service (PFFS), Health Maintenance Organization (HMO), and Preferred Provider Organization (PPO). Some areas also offer one or more Medical Savings Account (MSA) plans, but they are rare. HMO and PPO plans are by far the most common.
In many areas you will find one or more $0 plans. This simply means that there's no additional monthly premium cost to you above and beyond your monthly Part B premium. In all cases you are required to continue to pay your monthly Part B premium in addition to the Medicare Advantage plan premium.
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.
About one-third of all seniors on Medicare enroll in a Medicare Advantage plan. You can learn more about this private health insurance option on our Medicare Advantage Frequently Asked Questions page and our Medicare Advantage Coverage page.
Medicare Supplement Insurance in Saint Lucie 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.
Medigap insurance is available in Florida in ten standardized letter plans, A, B, C, D, F, G, K, L, M and N. There's also a high deductible version of Plan F. Plan A is the most basic and Plan F offers the most coverage possible.
The most important thing to know about Medigap insurance policies is that if Original Medicare doesn’t cover a healthcare service, a Medigap plan won't cover it or any portion of it either. So, unlike Medicare Advantage plans that can offer extras, like coverage for prescription medications, hearing, vision, dental and more, Medicare Supplements are in lock-step with Original Medicare Parts A and B.
Medicare Prescription Drug Plans in Saint Lucie County
In addition to no out-of-pocket limits, Original Medicare does not cover your prescription medications. It covers medications you need while hospitalized as an inpatient, but for outpatient care you must pay all costs or enroll in a Florida Medicare Part D plan (PDP) to get cost assistance.
You have a total of 8 Florida PDP options this year. Every year plans change, so be sure to review your choices each Annual Election Period. The low cost plan this year is just $30.30 per month. At the high end, premiums top out at $98.90 per month. If you have regular prescriptions, be sure to compare your needs with a plan's formulary before enrolling.
Prescription drug insurance is important, so be sure to learn as much as you can about Medicare Part D before enrolling. You'll find plenty of information on our Medicare Part D Frequently Asked Questions and Medicare Part D Coverage pages.
How-To Find a Medicare Doctor in Saint Lucie County, Florida
We've recently added all Saint Lucie 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 Fort Pierce, Port Saint Lucie, and surrounding areas.
This page was last updated on: 11/12/2014.