Don't let all of the Medicare health insurance options in Sarasota County scare you. Click one of the plan types below to compare just the Medicare coverage you need. 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.
Sarasota 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 Sarasota County. This is not true of the other parts of Medicare, which are highly dependent on where you live.
In addition to regional Medicare insurance options, you must match your most important doctor (generally your primary care physician) with a plan. Tens of thousands of doctors don't treat Medicare patients, and those that do don't accept all types of Medicare payment. Some only work with Medicare directly, some only work with specific Medicare Advantage plans, and some do both.
Our goal is to help you find all of the information you need to narrow your plan options to a small number so you can get on the phone with licensed adviser and make your final election for the year. In our experience, people who take a little more time investigating their options generally have better results with their healthcare.
Medicare Advantage Insurance in Sarasota County
If the risk of high out-of-pocket costs with Original Medicare has you worried, then a Sarasota 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.
For most Sarasota 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 $155.00 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 5 plans that give you prescription drug coverage and 0 that don't include it.
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.
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 Sarasota County
If you like the flexibility of being able to see any doctor you choose, but you're concerned about paying 20% of all your medical bills, the solution is Medicare Supplement insurance. Commonly called Medigap, supplemental Medicare insurance helps pay your share of the Medicare costs.
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.
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 Sarasota County
Most Florida seniors will eventually need help paying for their prescription medications. Unfortunately, this is not a benefit provided by Original Medicare, you have to buy it. You can get prescription drug coverage assistance by enrolling in a Medicare Part D plan (PDP) or a Medicare Advantage plan that includes a 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.
Don't make the mistake of enrolling in a Medicare Part D plan because it's cheap. Your prescription drug insurance is important. Learn more about it by reading Medicare Part D Frequently Asked Questions and Medicare Part D Coverage.
How-To Find a Medicare Doctor in Sarasota County, Florida
We've recently added all Sarasota 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 Englewood, Nokomis, North Port, Osprey, Sarasota, Venice, and surrounding areas.
This page was last updated on: 11/12/2014.