UNDERSTANDING MEDICARE

MEDICARE IS OUR COUNTRY'S HEALTH INSURANCE PROGRAM FOR PEOPLE AGE 65 OR OLDER.  CERTAIN PEOPLE YOUNGER THAN AGE 65 MAY ALSO QUALIFY FOR MEDICARE INCLUDING THOSE WITH DISABILITIES AND THOSE WHO HAVE PERMANENT KIDNEY FAILURE.  WE HAVE MANY YEARS OF EXPERIENCE AND WE REPRESENT THE TOP COMPANIES.  WE WILL ENSURE YOU ARE  ON THE BEST PLAN FOR YOU.

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FLORIDAMEDICAREGROUP.COM

MEDICARE SUPPLEMENTS

A MEDICARE SUPPLEMENT INSURANCE (MEDIGAP) POLICY, SOLD BY PRIVATE COMPANIES, CAN HELP PAY SOME OF THE HEALTH CARE COST THAT ORIGINAL MEDICARE DOESN'T COVER, LIKE COPAYMENTS, COINSURANCE AND DEDUCTIBLES.  A MEDIGAP POLICY IS DIFFERANT FROM A MEDICARE ADVANTAGE PLAN.

MEDICARE ADVANTAGE PLANS

A TYPE OF MEDICARE HEALTH PLAN OFFERED BY A PRIVATE COMPANY THAT CONTRACTS WITH MEDICARE TO PROVIDE YOU WITH ALL OF YOUR PART A  AND PART B BENEFITS.  MEDICARE ADVANTAGE PLANS INCLUDE HMO'S, PPO'S, PFS, SPECIAL NEEDS PLANS AND MEDICARE MEDICAL SAVINGS PLANS.  IF YOU ARE COVERED UNDER AN ADVANTAGE PLAN, MOST SERVICES ARE PAID THROUGH THE PLAN AND NOT THROUGH ORIGINAL MEDICARE.  MOST ADVANTAGE PLANS ALSO OFFER DRUG COVERAGE.

DRUG PLANS

MEDICARE PART D, THE PRESCRIPTION DRUG BENEFIT, BEGAN IN 2006 AND PROVIDES GOVERNMENT SUBSIDIZED  COVERAGE OF PRESCRPTION DRUGS THROUGH PRIVATE INSURERS.  EACH YEAR, DRUG BENEFIT ENROLLEES HAVE THE OPTION OF CHANGING TO ANOTHER PLAN DURING OPEN ENROLLMENT.  IT IS RECOMMENDED THAT YOU SHOP YOUR PLAN, BECAUSE OFTEN DEDUCTIBLES, PREMIUMS AND CO-PAYMENTS CHANGE.  ALSO, THE DRUGS THAT YOU ARE ON CAN MAKE A DIFFERENCE AS WELL.

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QUESTIONS OR CONCERNS - LET US HELP YOU THROUGH THE MEDICARE MAZE. 

WE CARE ABOUT SENIORS!!!!!!