Find right Medicare coverage
The first step is finding a trusted advisor that understands your needs and help walk you through your options.
Tell us about your needs. We'll listen And then work with you to make sure you've got the coverage you need
Understanding Medicare Advantage Plans in Florida
Medicare Advantage plans, also known as Medicare Part C, are an alternative to Original Medicare (Parts A and B). These plans are offered by private insurance companies approved by Medicare and often include additional benefits such as prescription drug coverage, dental, vision, and wellness programs. In Florida, a variety of Medicare Advantage plans are available to meet the diverse needs of its residents.
Types of Medicare Advantage Plans
In Florida, there are several types of Medicare Advantage plans:
- Health Maintenance Organization (HMO): Requires members to use a network of doctors and hospitals. Referrals are usually needed to see specialists.
- Preferred Provider Organization (PPO): Offers more flexibility in choosing healthcare providers and does not typically require referrals for specialists.
- Private Fee-for-Service (PFFS): Members can see any Medicare-approved doctor or hospital that accepts the plan’s payment terms.
- Special Needs Plans (SNPs): Tailored for individuals with specific diseases or characteristics, providing specialized care.
Top-Rated Medicare Advantage Providers in Florida
Several providers in Florida have received high ratings for their Medicare Advantage plans:
- Humana: Known for its comprehensive coverage and additional benefits.
- UnitedHealthcare: Offers a wide range of plans with robust coverage options
- Devoted Health: Highly rated for its customer service and plan options.
- Optimum HealthCare: Offers a range of plans with additional benefits.
- Aetna: Offers competitive plans with a focus on preventive care and wellness programs
Benefits of Medicare Advantage Plans
Medicare Advantage plans in Florida often include benefits beyond what Original Medicare offers:
- Prescription Drug Coverage: Many plans include Part D coverage, which helps pay for prescription medications.
- Dental and Vision Care: Some plans offer coverage for routine dental and vision services.
- Wellness Programs: Plans may include gym memberships, wellness coaching, and other health-related services.
- Hearing Aids: Coverage for hearing exams and hearing aids is often included.
- Transportation: Some plans offer transportation to medical appointments.
Enrollment and Eligibility
To enroll in a Medicare Advantage plan in Florida, you must:
- Be enrolled in Medicare Parts A and B.
- Live in the plan’s service area.
- Not have End-Stage Renal Disease (ESRD), with some exceptions.
The best time to enroll is during the Initial Enrollment Period (IEP), which starts three months before you turn 65 and ends three months after your 65th birthday. There are also Annual Enrollment Periods (AEP) from October 15 to December 7 each year, and Special Enrollment Periods (SEP) for qualifying life events.
Choosing the Right Plan
When selecting a Medicare Advantage plan, consider the following:
- Coverage Needs: Ensure the plan covers your medications and preferred healthcare providers.
- Costs: Compare premiums, copayments, and out-of-pocket maximums.
- Additional Benefits: Look for plans that offer extra benefits that are important to you.
- Ratings and Reviews: Check the plan’s ratings and reviews for customer satisfaction and quality of care.
Medicare Advantage plans in Florida offer a variety of options to meet the healthcare needs of its residents. By understanding the types of plans available, the top providers, and the benefits they offer, you can make an informed decision that best suits your health and financial needs
Companies we Work with
