Medicare Health Experts is a preeminent agency with licensed agents and hundreds of positive reviews. We help you find the right Medicare health insurance in Florida, resolve claims issues, and assist you in filing an insurance claim.
Medicare Advantage vs. Medigap
While the original Medicare offers basic health coverage, it only pays about 80% of approved healthcare costs. Besides, it does not provide coverage for the cost of prescription drugs or routine vision, hearing, or dental care. Medigap plans fill Medicare Part A and Part B coverage gaps, and you should sign up for it within the seven-month window, which begins three months before you turn 65 until three months after your 65th birthday.
On the other hand, Medicare Advantage plans provide benefits beyond Medicare Parts A and B.
How to compare medicare plans?
For starters, compare the total cost for care, such as out-of-pocket costs, deductibles, copayments, coinsurance, drug costs, etc., that you’ll pay with a Medicare health plan. As a leading agent for Medicare supplement plans in Florida, we explain these costs to clients and help them find the one they're most comfortable with.
Compare plans based on the provider choice and benefits it offers. For instance, check if your provider is in the plan’s network or make sure it has providers that are convenient for you. Some Medigap plans include coverage for vision, hearing, prescription drug, dental, nationwide coverage, etc. Make sure to compare these benefits to help you choose the best Medicare supplement insurance.
How to find the right Medicare plan
Americans have numerous Medicare plans to choose from, and each one comes with different premiums, alliances with medical providers, copays, etc. You must know how to review each of these choices to choose the plan that works best for you. Here are several pointers to consider before buying a Medicare plan:
- Coverage options and existing insurance plan - Take a look at your current plan, and consider whether you need to add more to it before your next enrollment period. If you have an existing insurance plan, make sure to speak to an experienced agent specializing in Medigap policy before you enroll. An experienced Florida Medigap plans representative can help you understand how your plan’s coverage will work with Medicare.
- Primary care providers and prescription drug coverage - Check if your current healthcare provider works with the plan you’re considering. If you need coverage for prescription drug costs, you must purchase the Medicare Part D plan or any other combined plan.
- Frequent travel or second home - Using a traditional medicare plan may be a more viable alternative if you are a frequent traveler or own a second home in a different state. Alternatively, choosing an HMO or a PPO Medicare Advantage Plan may be the best option for you if you are ok with just regional coverage from an approved provider.
Speak to one of our agents at 561-279-3804 to learn more about our Medicare health insurance in Florida. At Medicare Health Experts, we help our clients choose the right Medicare plan by bringing them the best rates from over 20 carriers.Medicare Health Insurance Florida
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