If you are ready to apply for Medicare in Florida, we have the information you need to get started. Many people do not realize that there are multiple parts that make up a Medicare policy and they can significantly vary in cost and coverage. We can help you find the one that works best for you. The four parts of Medicare are known as Parts A, B, C, and D.
What is original Medicare?
Medicare Part A and B form original Medicare. Medicare Part A covers hospital services, certain home health care treatments, hospice care, and some nursing home care. To sign up for Medicare Part A in Florida, you must be age 65 or older and be a United States citizen or a permanent legal resident for the past five years. In some cases, your Florida medicare application may be approved if you are under 65 if you are already receiving certain government benefits or you have been diagnosed with end-stage renal disease or amyotrophic lateral sclerosis.
Most people do not have to pay a monthly premium for Medicare Part A if you or your spouse worked for at least ten years. However, you can still enroll and pay if you are not eligible for free Medicare Part A. In many cases, Florida medicare enrollment is automatic if you are already receiving social security benefits when you turn 65.
Medicare Part B covers medical services such as lab tests and doctor’s offices. Everyone needs to pay a monthly premium in order to enroll in this coverage. However, you may be able to pay less depending on your social security benefits.
What are Medicare Advantage plans?
Medicare Part c plans, also known as Medicare Advantage plans, are private insurance plans that can help cover some of the gaps that would occur in original Medicare plans. Medicare Advantage plans are still required to cover everything that original Medicare does and registering for private coverage will not affect your medicare eligibility in Florida.
One of the benefits of a Medicare Advantage plan is that you can get coverage for additional services such as dental, vision, and prescription drug care in some cases. You might be able to get lower co-payments and deductibles, although you will still have to pay your Medicare Part B premium even if your private premium doesn’t cost anything. When you are ready to sign up for Medicare, you may notice that there are several different types of plans including HMOs, PPOs, and PFFS plans. Our specialists can help you fill out your Florida medicare application and compare different plans to find the one that works best for you!
What is Medicare Part D?
Another thing you will want to consider when preparing for your Florida medicare enrollment is prescription drug coverage which is where Medicare Part D kicks in. When you apply for medicare, you can also apply for a stand alone prescription plan from private insurance companies. A private prescription plan will not affect your medicare eligibility in Florida. Call our insurance specialists today for the best quote!