In South Florida, most Medicare Advantage plans include prescription drug coverage and have no additional premiums. Our licensed, certified agent represents most PPO and HMO Medicare Advantage Plans and Medicare Supplements (Medigap Plans) that are available in South Florida.
By submitting this form, you agree that a South Florida Medicare sales representative may contact you about Medicare Advantage or Part D plans.
Medicare.gov has all of the most current Medicare information
A handy link to an unabridged PDF version of the Medicare and You handbook
Resources to help paying for Medicare costs
A guide to Medicare savings programs
Resources to help pay for prescription drugs
Medicare is the federal health insurance program for:
The different parts of Medicare help cover specific services:
Part A covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care.
Part B covers certain doctors’ services, outpatient care, medical supplies, and preventive services.
A type of Medicare health plan offered by a private company that contracts with Medicare. Medicare Advantage Plans provide all of your Part A and Part B benefits. Medicare Advantage Plans include:
If you’re enrolled in a Medicare Advantage Plan:
Part D adds prescription drug coverage to:
These plans are offered by insurance companies and other private companies approved by Medicare. Medicare Advantage Plans may also offer prescription drug coverage that follows the same rules as Medicare prescription Drug Plans.
A Medicare Supplement Insurance (Medigap) policy helps pay some of the health care costs that Original Medicare doesn’t cover, like:
Medigap policies are sold by private insurance companies. Some Medigap policies also cover services that Original Medicare doesn’t cover, like medical care when you travel outside the U.S. If you have Original Medicare and you buy a Medigap policy, here’s what happens:
A Medigap policy is different from a Medicare Advantage Plan. A Medicare Advantage Plan is a health plan; not an insurance policy. Those plans provide Medicare benefits, while a Medigap policy supplements your Original Medicare benefits.
(This is a very important distinction and Jeff Rothstein will fully explain what this means during a no cost, complementary Medicare Review)
1. You must have Medicare Part A and Part B.
2. If you have a Medicare Advantage Plan, you can apply for a Medigap policy. But, make sure you can leave the Medicare Advantage Plan before your Medigap policy begins.
3. You pay the private insurance company a monthly premium for your Medigap policy. You pay this monthly premium in addition to the monthly Part B premium that you pay to Medicare.
4. A Medigap policy only covers one person. If you and your spouse both want Medigap coverage, you’ll each have to buy separate policies.
5. You can buy a Medigap policy from any insurance company that’s licensed in your state to sell one.
6. Any standardized Medigap policy is guaranteed renewable even if you have health problems. This means the insurance company can’t cancel your Medigap policy as long as you pay the premium.
7. Medigap policies sold after January 1, 2006 aren’t allowed to include prescription drug coverage. If you want prescription drug coverage, you can join a Medicare Prescription Drug Plan (Part D).
South Florida Medicare is a locally run business helping seniors understand their Medicare rights, benefits, and options. There is no cost for our services. Please contact us today to speak to a local Medicare advocate and get the coverage you deserve.
Address: 9193 Pecky Cypress Lane Boca Raton, FL 33428
Phone: (561) 268-0697