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Florida Medicare Advantage Plans 
Call or email our office to learn which plans are available in your Area. We may be able to offer you a $0 Premium Plan which includes Hospitalization, Doctor Visits, Prescription Medications PLUS Hearing, Vision, Dental, & Fitness Benefits.
Tips for Making the Most of Your Medicare Advantage Plan in 2012
1. Leverage Your Plans Additional Benefits to Stay Health
2. Take Advantage of cost-savings on prescription drugs
3. Understand the plans Care Provider Network, and stay in network as much as possible
4. Look for Extra Plan discounts on every-day health care items and services
5. Plan yearly health care expenses with the out-of-pocket maximum in mind
If you have Immediate Questions please call our office at (813) 995-2821 to speak with one of our Licensed Medicare Experts. We can answer any questions you have regarding your Eligibility, Plan Options, & Enrollment.
We are an Authorized Agent for and Represent: Aetna Medicare, Humana Medicare, Preferred Care Providers, UnitedHealthcare Medicare Solutions, Universal Health Care, Wellcare Plans & Others.
Request Information: 
Eligibility
As with Original Medicare (Parts A and B), you must meet the same government requirements to qualify for a Medicare Advantage plan, whether it's with or without Medicare prescription drug coverage:
- You must be entitled to Medicare Part A and enrolled in Medicare Part B, and continue to pay your Part B premium.
- You must live in a Medicare Advantage plan service area. Call us for details.
If you have permanent kidney failure, you are not eligible to enroll unless you are currently a member of an commercial Employer Group Plan or have had a kidney transplant within the past 36 months and no longer require dialysis. However, if you are already enrolled in a Medicare Advantage plan, you can choose to enroll in another Medicare Advantage plan (e.g. change from HMO to PPO) if:
- The new Medicare Advantage plan operates in the same state as your current Medicare Advantage plan, and
- You meet all the other requirements for enrollment in that Medicare Advantage plan.
Generally, if you are age 65 and over or disabled and made your Medicare selections for the first time, you can make plan selections or changes to your current Medicare coverage only between October 15 and December 7, 2012. During this time you can select a new Medicare health and/or prescription drug plan for the next calendar year.
Otherwise you need to meet certain special exceptions to make a plan change during the year, such as if you move out of your plan's service area or newly become eligible for Medicare. You can you switch to another Medicare Plan?
Medicare Advantage Plans (Part C):
A Medicare Advantage Plan (like an HMO or PPO) is another Medicare health plan choice you may have as part of Medicare. Medicare Advantage Plans, sometimes called "Part C" or "MA Plans," are offered by private companies approved by Medicare. If you join a Medicare Advantage Plan, the plan will provide all of your Part A (Hospital Insurance) and Part B (Medical Insurance) coverage. In all types of Medicare Advantage Plans, you're always covered for emergency and urgent care. Medicare Advantage Plans must cover all of the services that Original Medicare covers except hospice care. Original Medicare covers hospice care even if you're in a Medicare Advantage Plan. Medicare Advantage Plans aren't supplemental coverage.
Medicare Advantage Plans may offer extra coverage, such as vision, hearing, dental, and/or health and wellness programs. Most include Medicare prescription drug coverage (Part D). In addition to your Part B premium, you usually pay one monthly premium for the services included.
Medicare is a Health Insurance Program for:
- People 65 or older
- People under 65 with certain disabilities
- People of any age with End-Stage Renal Disease (ESRD) (permanent kidney failure requiring dialysis or a kidney transplant)
Medicare Part A -- Hospital Coverage:
Medicare Part A insurance helps pay for medically necessary services (care for an illness or medical condition) that involves an inpatient stay in the hospital. Part A helps cover inpatient care in hospitals, including critical-access hospitals and skilled nursing facilities. It also helps cover hospice care and some in-home health care. Part A also helps pay for a stay in a skilled nursing facility as a follow-up to a hospital stay, hospice care for the terminally ill, and some skilled home health care for the homebound. Part A also helps for some blood transfusions.
You can initially enroll in Part A at any time after the age of 64 years and nine months, but before age 65 and three months, or if otherwise eligible for Medicare. After that, there is a General Enrollment Period from January 1 to March 31 each year. There are no late enrollment penalties. For 2011, the Part A deductible is $1,132.
Medicare Part B -- Medical Coverage
Medicare Part B insurance helps pay for "medically necessary" services (care for an illness or medical condition) that's not part of an inpatient stay in the hospital. Part B helps cover doctors services and outpatient care, some of the services of physical and occupational therapists, and some in-home health care. This includes services like doctors office visits, care in hospitals and clinics when you are not admitted for an inpatient stay, laboratory tests and some diagnostic screenings, and some skilled nursing care at home if you're homebound.
If you get Social Security benefits, you will automatically get Part B starting the first day of the month you turn 65. If you aren't receiving Social Security benefits and you want Part B, you will need to sign up for Part B when you are close to age 65. If you enroll after the Initial Enrollment Period, premiums will be higher unless you qualify for an exception.
Part B requires that you pay a monthly premium to Medicare (the standard rate for 2012 is $99.90), and there is a small deductible ($140 in 2012) that must be reached before Part B begins paying for services. People with higher incomes above $85,000 annually for an individual or $170,000 for a couple pay higher rates.
Medicare Part C -- Private Insurance Option
Medicare Part C plans are usually referred to as Medicare Advantage plans. They are run by private companies that have contracted with the Federal government to provide Medicare coverage. Medicare Advantage plans combine coverage for hospital stays with coverage for doctor visits. You can choose a plan that includes prescription drug coverage, often at no additional premium, or you may be able to choose a plan without prescription drug coverage.
There are five kinds of Medicare Advantage plans:
- Health Maintenance Organization (HMO) Plans
- Preferred Provider Organization (PPO) Plans
- Special Needs Plans (SNP)
- Private Fee-For-Service (PFFS) Plans
- Medical Savings Account (MSA) Plans
We offer Medicare Advantage Plans from Aetna Medicare, UnitedHealthcare Medicare Solutions, Humana Medicare, Wellcare, Universal Healthcare and others.
Before enrolling in a Medicare Part C plan, you must first enroll in Original Medicare both Part A and Part B. If you decide to enroll in a Medicare Advantage plan call us directly Toll Free @ 888.995.2821.
By law, Medicare Part C plans must pay for at least the same health care services as Original Medicare. But they sometimes pay for things that are not covered by Original Medicare, such as vision and dental care. Most, but not all, Medicare Advantage plans also provide some prescription drug coverage.
Medicare Advantage plans are generally organized as health maintenance organizations (HMOs) or preferred provider organizations (PPOs). Typically, in these types of plans you choose one doctor as your primary care provider, and your choice of doctors, hospitals and other health care providers is restricted. If you see providers outside of the plans network, you likely will pay more, or these providers care might not be covered at all.
Medicare Part D -- Prescription Drug Plan
Medicare Part D helps you pay for prescription drugs. Medicare Part D is optional and available to people who are enrolled in Parts A or B and most Medicare Advantage plans.
Medicare Part D plans are offered by private insurance companies that are approved by Medicare. You sign up for them directly with the private insurer. If you are enrolled in a Part D plan, you will pay a monthly premium and sometimes a deductible, as well as copayments for your drugs. Each plan varies in the cost of premiums, the price of drugs and its list of covered drugs or "formulary" under the plan.
Medicare Part D is insurance coverage that helps pay for the prescription drugs you use. Medicare Part D coverage is not automatic. You decide whether to enroll in a Medicare Part D plan.
Again, Medicare prescription drug coverage is an insurance policy you buy from private companies. You can buy a separate plan just for drugs, called a prescription drug plan (PDP). Or you can buy some types of Medicare Advantage plans that include prescription drug coverage.
The Federal government has created guidelines for the types of drugs that must be covered by drug plans and set minimum standards of benefits. Insurance companies that offer Medicare Part D plans must meet these standards. But all plans are not the same. They vary by cost and by their formulary, or list of specific drugs covered. If you do not enroll in a plan when you first become eligible for Medicare (Initial Enrollment Period), you are subject to the Medicare-imposed late-enrollment penalty unless you qualify for an exception.
Medicare has neither reviewed; nor endorsed, this information | 
