In Jacksonville Florida, there are 11 Medicare Insurance Plans, 17 Advantage Part C Policies, plus 19 Part D Drugs offered … so unless you are insurance savvy and computer efficient comparing all this can be a daunting task. It is much easier and secure to let us do the research for YOUR 3Rs *** Right Doctors, Right Coverage, Right Price!
NOTICE: Low income Medicare Beneficiaries are eligible for some Extra Government Assistance but they must apply for and then be approved to get such help. If your individual monthly income is below $1,471 or $1,991 as a couple, then you may be eligible for some level of Financial Assistance. Unfortunately, many Beneficiaries have not filed because they are/were unaware of this opportunity. Just contact us to learn more about the potential Benefit Levels and apply.
Get Free Answers, Free Quotes, Free Help … 1-800-940-3900 Certified Agent Brokers Since 1970. Medicare Part A (Hospital) 2016 Deductible is $1,266 per stay, and Part B (Doctors, Outpatient) 2016 Annual Deductible is $166.
Most people 65 and older will be eligible for Medicare in Florida. If you receive Social Security checks, you will be enrolled in traditional Medicare automatically. Your Medicare cares should arrive about three months before your 65 birthday and the benefits will start on the first day of the month of your 65th birthday. The Traditional Medicare, or Original Medicare, you will be enrolled in will include Parts A and B.
For those not receiving Social Security payments, you will need to enroll in Florida Medicare on your own. This is done by calling the Social Security Administration or visiting their website. Your personal agent can also help get you set up with Medicare. You will want to apply about three months before your 65th birthday to ensure you start receiving your benefits on time.
People with disabilities and illnesses, regardless of age, may be eligible for Original Medicare, as well. Those with Lou Gehrig’s disease (ALS), Kidney Failure or other disabilities allowing you to receive Social Security Disability benefits are eligible.
If you have been diagnosed with Lou Gehrig’s disease (ALS) and you start receiving Social Security Disability benefits, you will be automatically enrolled in Medicare. You won’t have to worry about any type of waiting period.
Those diagnosed with end-stage renal disease and need a kidney transplant or dialysis will be able to get Medicare three months after starting dialysis. You will need to enroll through the Social Security Administration.
If you have a different type of disability and you receive Social Security Disability benefits, you will be able to receive Medicare benefits two years after qualifying for Social Security Disability. You should be signed up automatically by the Social Security Administration at this time.
Enrolling in Medicare can be done during the initial enrollment period or other enrollment periods. The initial enrollment period for Part A with or without Part B starts three months before the month of your 65th birthday and ends three months after. You can sign up for any type of Medicare coverage during this time and you will wait one to three months for coverage to begin.
If you miss the initial enrollment period, you will be eligible to enroll in Medicare from January 1st to March 31st with coverage beginning in July of the same year. You may need to pay a higher premium for coverage and there are some exceptions for those covered under a group health insurance plan.
Enrollment for any Medicare Advantage Plan (Part C) is the same as Original Medicare with the seven month period starting three months before your 65th birthday. However, the special enrollment period allowing you to join, drop or switch Plan C coverage happens between October 15th and December 7th.
If you need to enroll in Medicare Prescription Drug Coverage (Part D), this can be done from October 15th to December 7th. However, it’s possible to join a five-start Medicare Prescription Drug Plan at any time, as well.
For those 65 years of age and older, Medicare may be the right choice for insurance. It will also cover some younger people with disabilities and those with end-stage renal disease. The different parts of Medicare include:
Part A covers hospice care, some home health care, inpatient hospital stays and skilled nursing facility care.
Part B covers preventative services, doctors’ services, medical supplies and outpatient care.
Part C is a type of insurance provided by private companies to give you all the Part A and Part B benefits. Choosing an Medicare Advantage Plan will give you access to Preferred Provider Organizations, Health Maintenance Organizations, Special Needs Plans, Private Fee-for-service Plans and Medicare Medical Savings Account Plans. Most of the necessary services are covered through the plan and will not be paid by Original Medicare. Most of these plans also provide prescription drug coverage.
Medigap plans are offered by private insurance companies to cover the expenses that Original Medicare fee for service does not pay. This includes the deductibles, co-insurance, out-of-country expenses, and Part B excess charges. These plans are regulated by Center for Medicare and Medicaid Services (CMS). Plan Options A through N benefits are the same but premiums will vary from company to company please contact Thomas & Associates to find out which plan works for you.
Part D provides coverage for prescription drugs. It will add this coverage to Original Medicare, some Private-Fee-for-Service Plans, some Medicare Cost Plans and Medicare Medical Savings Account Plans. Part D is offered by private companies and insurance companies approved by Medicare.
If you’re not sure what type of coverage you need or currently have, speak with your health insurance agent in Jacksonville, Florida. They will be able to better explains your coverage and make sure you have the necessary Medicare insurance for your specific needs.
Florida Medicare Insurance can be very confusing. If you’re not sure what type of coverage you have or you just need professional advice, contact your Jacksonville agent today.
When Part A and Part B are simply not enough coverage or you prefer a more complete type of Medicare Insurance, you may want to consider a Medicare Advantage Plan. This type of plan is provided by private health insurance companies with many additional benefits. The different types of plans available include: