Welcome, on this website you can learn about Florida Medicare and Florida Medicare supplemental insurance. The goal here is to provide you with the information needed to select a Medicare supplement plan that best meets your needs at the least expensive price available.
|Is Medicare supplement Plan F right for you?
What exactly is Florida Medicare?
Florida Medicare is simply Medicare run in the state of Florida. Medicare is our country’s health insurance program for individuals age 65 or older. Some people younger than age 65 can get Medicare if they have specific disabilities. The program helps pay for the cost of healthcare, but it does not cover all medical expenses as well as the cost of most long-term care.
When should I apply for Florida Medicare?
If you are not already getting retirement benefits it is best to contact Social Security about three months before your 65th birthday to sign up for Medicare. You may sign up for Medicare even if you do not want to retire at age 65. Click here to go to the Social Security online Retirement/Medicare application.
Medicare Part A (Hospital Insurance)
Medicare Part A covers part of your medical bills when you have been admitted to a hospital, skilled nursing facility, hospice, plus some home health care.
You pay (2012): The per incident period (not annual) deductible for Medicare Part A of $1156, $289 each day for the days 61-90 hospital room and board, $578 each day after 90 days (up to a maximum of 60 days over your lifetime and total costs thereafter), $144.50 daily for skilled nursing facility for days 21-100 and all costs thereafter.
Medicare Part B (Doctor Insurance)
Medicare Part B covers a portion of your medical expenses for doctor services, some preventive services and various medical services and supplies which are not covered by Medicare Part A. If you have Medicare Part B you will pay a premium each month out of your Social security benefits.
You pay (2012): The yearly deductible of $140, the costs of the first 3 units of blood, 20% for durable medical equipment, 20% for doctor services including doctor service while as a hospital patient, 40% outpatient mental health care, any excess charges (some doctors charge up to 15% above what Medicare authorizes)
Although Medicare covers a substantial percentage of your Medical expenses there are plenty of gaps left for you to pay. These gaps can easily deplete a person’s financial resources when they are on a set budget. A Florida Medicare supplemental insurance policy can cover most or all of the Medicare cost and they are very reasonably priced for most people.
Florida Medicare supplement insurance plans are offered by private insurance companies. The federal government has standardized these plans. Which means all plans labelled by the same letter provide the exact same coverage whether or not you get your insurance from New Era, Gerber, Sterling, AARP or any other insurance company. Nationwide three of the most popular plans are F, G, and N.
Florida Medicare supplement plan F: This is easily the most common and comprehensive plan. It covers all of the gaps left both in Medicare Part A and Part B.
Florida Medicare supplement plan G: This plan is just like Medicare supplement plan F with the exception of not paying the yearly Medicare Part B deductible. For many people this plan is often the smartest choice if you don’t mind paying the yearly deductible instead of the sometimes higher monthly premiums for Medicare supplement plan F.
Florida Medicare supplement plan N: Unlike Medicare supplement plan F this plan has some cost-sharing ($20 doctor’s office co-pay and $50 emergency room co-pay in 2011) in return for lower monthly premiums. Plan N is designed as an alternative to Medicare Advantage plans, while still giving you the flexibility and stability of a Medicare supplement.
There are lots of insurance companies providing Florida Medicare supplement plans and the costs can vary quite a bit from company to company. Many who do not utilize the services of an independent agent wind up paying over 40-50% extra for insurance! It is a shame especially when getting your Medicare supplement insurance through us cost you absolutely nothing.
Click here to see the Medicare supplement plans chart
You can request Medicare supplement quotes now by clicking here and filling out a simple form. An agent will look up the rates based off of the information you provide and send the quotes to you by email.
Hello! My name is Sergeant First Class (retired) Joel Moyer, an owner and independent agent for Centaur Medicare Solutions LLC. I served our country in the US Army for over twenty years, and I look forward to serving you.
Centaur Medicare Solutions is a Limited Liability Company specializing in Medicare Supplement Insurance and Term Life Insurance. We provide our customers with an independent agent dedicated to finding the best services for that customer.
Centaur Medicare Solutions prides itself on being an ethical agency obligated to recommend products that best meet your needs, goals and financial resources. Our desire is to act as an adviser, letting you take your time to make decisions about purchases and answer any questions that you may have. Selling the right product, to the right person, at the right time is our priority. Thank you for visiting our website.