Medicare Advantage Plans Florida

Medicare Advantage might be able to save you money, if you are 65 or older. This health insurance plan gives you greater coverage than Original Medicare. For Florida residents, it can help to keep healthcare costs low, and we are able to help you find the most affordable Medicare Advantage plans Florida has to offer.

Our site is designed to search for quotes from major healthcare insurance providers. We source the prices for you, and you can compare them quickly and simply here without all the hassle of going to individual insurance company websites and requesting quotes there. It is much faster to use our website, and it gives you a list of quotes rather than one quote at a time. You’ll be able to compare numerous insurance companies and plans in a matter of minutes and find the cheapest, most affordable one.

How Medicare Advantage Covers Florida Seniors

Advantage plans come with some great coverage. They offer medical benefits you can’t really get anywhere else. They do conflict with and overlap with other kinds of medical insurance plans, which means that you cannot be enrolled in any other medical insurance plan at the same time as Medicare Advantage. Be sure to talk to us if you have questions about that and want to know if you need to drop your current plan to get Medicare Advantage.

medicare advantage plans florida

An Advantage plan will also have certain foundational medical benefits. These are guaranteed by Medicare and a requirement for any insurance provider selling Advantage plans. These include all emergency medical care (ER services, ambulance care, etc.) and all urgently needed care (some medications, medical tests, surgery and more). The basic coverage for Medicare Advantage also includes Medicare part A and Part B benefits, covering just about all of them except for hospice care.

You can get Advantage plans in Florida that do more than just cover basic benefits. You could enroll in ones that cover basic benefits as well as Medicare Part D. That is a prescription medication plan that includes coverage for many generic drugs and some name brand ones. You get more coverage from it for generic drugs. It is great at covering common medications, but you should know that every health insurance provider selling Part D Advantage plans will have a slightly different Part D benefit package.

You can also enroll in Medicare Advantage plans that cover your annual checkups. These checkups could be with your dentist, optometrist, orthodontist, hearing specialist, or your general practitioner. You will be more likely to stay in good health and catch serious health problems at an early stage with regular checkups, so any senior should definitely consider this kind of coverage.

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How You can Enroll in a Medicare Advantage Plan

Seniors get to sign up for Medicare Advantage once they are 65 or older. You can enroll around your 65th birthday, and that is the first time you become eligible, unless you have disability. Those who qualify for disability can enroll in Medicare Advantage earlier than age 65 in some states.

There is a 7-month window around your 65th birthday that you can use to apply. This is the recommended time to enroll, since you get rates that are not dependent on your preexisting medical conditions. Enrolling at a later date means that your medical conditions can factor into the cost, so you can end up paying a higher rate.

The 7-month window starts three months before you turn 65, includes your birthday month and then ends three months after your birthday. You can enroll later, though, if you miss that signup window for some reason. The annual election period starts on October 15th and runs until December 7th. This will be your only other time to enroll after that initial period, unless you qualify for special enrollment. You can talk to us or a Medicare agent about whether you qualify or not for special enrollment.

medicare advantage plans florida

HMO or PPO?

Medicare Advantage plans can offer you different benefits, and they can cover you differently based on the kind of plan you choose. We talked about Medicare Advantage plans that can cover just the basics or include coverage for checkups and Medicare Part D. However, you won’t get all that coverage from your plan if you go outside of your insurer’s network for medical treatment. You will only get partial coverage off the network or no coverage at all.

Medicare Advantage plans are limited by the network on which they operate. This is why Florida healthcare insurance providers sell Advantage plans with some different network options. The basic plan they will sell is called an HMO. This gives you coverage just within the network. Each insurer has their own network, made up of any clinic, hospital and doctor’s office that has an agreement with them. HMO plans are pretty cheap, and that makes them very popular. So long as you live within your insurance company’s network, you should be able to get a low cost HMO plan and save a lot of money.

If you live outside then network or travel often and don’t know where you might end up, then you can probably benefit from a PPO plan. This kind of Advantage plan gives you coverage both on and off the network. It offers you full coverage inside the network and then partial overage for any care received outside the network. As you might imagine, it will cost you more than the HMO plan, but it can be very helpful for people who need off-network coverage of some kind.

Do you know how far your insurance company’s network extends? Before you enroll with any insurer, check to see if their network area covers you or not. You may be better off with an insurer who has network coverage where you live than one you would have to buy a PPO plan from in order to get any coverage.

medicare advantage plans florida

Compare Medicare Advantage Plans Florida

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The Cost of Medicare Advantage

How much will Medicare Advantage plans in Florida cost? Our information places the cost between $1,700 and $3,000 a year. The range in prices come from the different insurance companies setting their own rates and then the different rates for the various Advantage plans. The basic plans will be much less expensive than the one that includes Medicare Part D and checkup coverage. The HMOs are cheaper than the PPOs as well, so you’ll want to consider how the kind of plan you choose and there over affect your costs.

Some insurers offer a $0 Advantage plan. This doesn’t mean that the plan is free, because you still need to pay your Medicare Part A and Part B premiums and the annual deductible for your Advantage plan. However, the monthly premium for the Medicare Advantage plan would be $0, which can be a great money saver for you. If you are getting a Medicare Advantage plan that costs so little per month, you can expect to pay a higher than normal cost for the annual deductible.

medicare advantage plans florida

What other costs would you have to pay? You may need to pay $1 for each prescription, which is a pretty common expense when you have a Medicare Advantage plan that includes Part D coverage. If your Advantage plan has no drug coverage included, then you can get Part D separately, and that will come with its own monthly premium for you to pay. It is usually cheaper to get Part D included in the Advantage plan, though.

You also have to pay for any leftover medical expenses not covered by your Advantage plan. These are high coverage plans, but they won’t cover all medical expenses for you. They typically only cover some name brand drugs and some medical tests. They may not cover your entire hospital stay or all the cost of your doctor’s visit. Be prepared to make some out-of-pocket payments from time to time, even with Medicare Advantage covering you.

Another cost you should know about is the higher than normal rate you pay when you sign up later than your 65th birthday. If you wait until the annual enrollment period rolls around October, then you may have to pay a late signup fee. This signup fee can increase the longer you wait to enroll in Medicare Advantage. Be aware of the penalty for enrolling after the initial enrollment period, and that may motivate you to sign up early and save some money.

Comparing the Insurance Providers

How do you know if you have the right insurance provider for your plan? There are a number of these, and they each have their own pros and cons. We want to tell you about a few of them, and hopefully this information will help you to make a smarter choice.

aetna

Aetna – This company doesn’t have the largest selection of Medicare Advantage plans, but they do have some of the lowest prices. Use our site to see how they compare among the other insurers, and we think you will be pleasantly surprised at how inexpensive they can be. Aetna offers both HMO and PPO options and has a very large network for you to benefit from.

humana

Humana – If you are looking for a lot of great customer benefits and perks, then Humana is worth a look. They are great at providing additional benefits for their consumers beyond the coverage of a Medicare Advantage plan. They also have some great customer service and a large network for you to enjoy. They may not have the cheapest prices, but they do have some low-cost options for you to choose from. They also have one of the largest selections of Medicare Advantage plans in the country, so they should definitely have what you are looking for.

united healthcare

United Healthcare – Did you know that United Healthcare has more connections with healthcare professionals than any other insurer in the country? They can get you coverage pretty much anywhere, and they can find you a doctor or nurse to provide you with over-the-phone care and counselling. That way, if your medical problem is minor, you can get help over the phone and not have to leave your house. They are really good at providing their customers with perks to add value to their plans, and they have a great selection of affordably priced insurance plans.

aarp

AARP Medicare Advantage Choice – This is one of the best options for seniors who can afford it. AARP is a trusted insurance provider who has been in the business of senior care for decades. They have a great reputation and will provide seniors with all sorts of extra services at no additional charge. This includes gym access financial counselling, dieting plans, exercise regimens, and so much more. Check with them to see what perks are available in your area and how you can benefit by signing with them.

These are just some of your choices, and if you do some looking, you will find more options out there. Medicare Advantage plans are sold all over the United States, but they can still come with some restricted network coverage, so be aware of that and how your insurance provider’s network affects what kind of benefits you can get.

Making Your Choice for Coverage

Seniors are saving money through Medicare Advantage’s excellent coverage. They are getting medical benefits that they could not get anywhere else and enjoying powerful coverage that can only be provided by Medicare Advantage.

If you are tired of paying a lot of money for your medical bills, then you should consider Medicare Advantage and what it does for Florida residents. It can save you on your healthcare and health insurance, sometimes cutting costs for you by hundreds of dollars. It can cover those common medical expenses that most people struggle to pay for on their own, and it can give you peace of mind to know that your insurance plan may be covering most or all of your medical expenses for the year.

Talk to us about Medicare Advantage plans for Florida. We have some quotes ready to go for you and some professional advice we will be happy to give. Just search on our site or give us a call today.

medicare advantage plans florida

Compare Medicare Advantage Plans Florida

ENTER YOUR ZIP CODE BELOW

 

SPEAK WITH AN AGENT NOW!

1-877-517-4661

TTY users 711
Mon – Fri : 8am – 8pm EST