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Medicare Advantage in Florida

We offer assistance with Medicare Advantage Plans in Florida. If you are interested in enrolling for the year 2019/2019, then please review the available health plan information on this page!

You can request a FREE consultation with a licensed insurance agent that knows important details about the available benefits coverage and whether or not they would be right for you. It is always important to discuss your plan with an agent as your current health, life, and retirement plan could affect your premiums and overall cost.

If you are age 65 and over and would like to consider one of the following advantage plans, please contact us right away to ensure that you are not automatically enrolled in a plan that could surprise you with extra charges!

Medicare Advantage Plans for 2019 in FL

IBC Keystone 65 Basic Rx HMO
IBC Keystone 65 Focus Rx HMO
IBC Keystone 65 Select HMO
IBC Personal Choice 65 PPO

Advantra Gold PPO
Advantra One PPO
Advantra Silver HMO

Aetna Medicare Choce Plan HMO
Aetna Medicare Silver Plan HMO
Aetna Medicare Gold Plan PPO
Aetna Medicare Main Line Health Prime Plan HMO
Aetna Medicare Premier Plan HMO (Bucks, Chester, Delaware, Montgomery)
Aetna Medicare Basic Plan HMO (Bucks only)
Aetna Medicare Standard Plan HMO (Bucks, Chester, Delaware, Montgomery)
Aetna Medicare Standard Plan HMO (Philadelphia)

Prescription Plans

Envision RxPlus PDP

Aetna Medicare Rx Saver PDP
Aetna Medicare Rx Select PDP

Humana Walmart Rx Plan PDP
Humana Preferred Rx Plan PDP
Humana Enhanced PDP

First Health Part D Value Plus PDP

SilverScript Choice PDP
SilverScript Plus PDP

Medigap Carriers
Cigna Health and Life
Aetna Health and Life
American Retirement Life Insurance Co.
Loyal American Life Insurance Co.
Mutual of Omaha
CSI Life
United Health Care thru AARP
Philadelphia American
New Era
TransAmerica
Manhattan Life
Medico
United of Omaha

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Learn More

What is Medicare Advantage? You’ve probably come across the idea of Medicare Advantage plans as you research what to do about your health insurance, but it can be difficult to know exactly what a Medicare Advantage plan is.

Medicare Advantage sometimes gets called “Part C” or “MA plans”. These plans are offered by private companies that have been approved by Medicare. These companies are paid by Medicare to cover private Medicare benefits.

Why choose Medicare Advantage instead of getting the Original Medicare plan? These plans can work in a few different ways that may be a better fit for you. There are benefits as well as downsides to them, but they can often be the most cost-effective way to get the kind of health care you need and want. Let’s take a look!

Type of Medicare Advantage Plans

There are six different types of Medicare Advantage plans:

  • Health Maintenance Organization (HMO) plans – Under an HMO, you are restricted to going to doctors, other healthcare providers, and hospitals in the plan’s network. There is an exception for emergency and other urgent situations. You will also likely have to get referrals from your primary care physician to get tests done or see specialists or go to other doctors.
  • Preferred Provider Organization (PPO) plans – PPOs offer a little bit more leeway than an HMO. Under these Medicare Advantage plans, you can visit doctors, other healthcare providers, and hospitals that are outside the plan’s network, but you will pay more than you would if you used doctors inside the plan’s network.
  • Private Fee-for-Service (PFFS) plans -These Medicare Advantage plans function similarly to Original Medicare. You can typically go to any doctor, other health care provider, and hospital as long as those providers accept the payment terms of the plan. The plan is going to determine how much it pays healthcare providers as well as how much you will need to pay.
  • Special Needs Plans (SNPs) – SNPs are meant to provide focused health care for groups with special health care needs. This includes those who live in a nursing home, people with both Medicare and Medicaid, or those who have certain chronic medical conditions.
  • HMO Point-of-Service (HMOPOS) plans – These are a variation of the HMO plan described above. They might allow you to receive some services outside of their network for higher copayments or coinsurance.
  • Medical Savings Account (MSA) plans – These plans are a combination of a high-deductible health plan and a bank account. Under these plans, Medicare will deposit money into the account. This is usually an amount that is less than the deductible. This money can be used to pay for health care services over the course of the year. MSA plans do not offer Medicare drug coverage.

Pros and Cons of Medicare Advantage Plans

As you can see, Medicare Advantage plans function in various different ways. They can be a very good deal for anyone looking for all-in-one medical and drug coverage. They can and often do charge lower premiums than you normally pay for Medicare that includes Medigap and Part D prescription drug coverage.

Some insurance companies will offer very low premiums for Medicare Advantage plans, sometimes even as low as $0. Medicare Advantage plans may cover some additional benefits that are not covered by Part A and Part B, like dental or vision coverage.

All of these Medicare Advantage plans have a max out-of-pocket limits on how much you’ll spend on health costs every year. Once you hit that limit, you won’t pay anything for the covered services.

All that said, Medicare Advantage plans have their disadvantages, too. Every one of these plans is highly dependent on the insurance company administering it. That means that there are usually restrictions on the geographic area or even the healthcare providers you can see.

You may have to switch from your current doctor to one that is covered under the Medicare Advantage plan, for instance. There are usually very strict rules about getting coverage for certain products and services.  

Sometimes, Medicare Advantage plans will charge higher copays for large expenses like hospitalization or critical services like chemotherapy.  Often their coverage is limited if you ravel out of your state.

Last but certainly not least, Medicare Advantage plans have annual contracts with Medicare that they may not choose to renew, essentially making your Medicare Advantage plan disappear from existence.

Medicare Advantage plans can be the right choice for people in a variety of circumstances. They may be one of the best choices for seniors out there, depending on your region and existing health conditions.

Qualifying for Benefits

To qualify for a Medicare Advantage plan, you must be enrolled in both Medicare Part A and Medicare Part B. Anyone with End-Stage Renal Disease (permanent kidney failure) is usually not eligible to enroll in a Medicare Advantage plan. It’s also very important to note that you absolutely must live within the service area of any Medicare Advantage plan that you want to enroll in.

How To Decide on a The Best Plan For You

The first thing to do is to check the fine print. Details matter a lot with Medicare Advantage plans. Do you want to be able to visit a specific hospital or doctor? Check to see that they are included in the network of any Medicare Advantage plan you are looking at getting, especially if it is an HMO, PPO, or HMOPOS.  

Also, give some thought to any medications that you take. Many Medicare Advantage plans do include prescription drug coverage, but some do not. Make sure that any prescriptions that you take are covered under the plan. It can also be useful to compare cost-sharing options since these do vary from plan to plan.

Enrollment

Now that you know the basics, you can approach getting one of these Medicare Advantage plans with a bit more certainty. There are many resources out there to help you, starting with the Medicare website at medicare.gov.

You should also speak to a health insurance agent about the specifics of your situation to find out which Medicare Advantage plan works best for you if any of them do. Please also review FL supplement plans if you are looking to save costs on your current situation.

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