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Florida Medicare Supplement (Medigap) Plans:
If you have Immediate Questions call our office today at (813) 995-2821. Our Licensed & Certified Medicare Experts are standing by to answer any questions you have regarding your Eligibility, Plan Options, & Enrollment.
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Medicare Supplement Policies aka Medigap
A Medigap policy is health insurance sold by private insurance companies to fill gaps in Original Medicare coverage. Medigap policies can help pay your share (coinsurance, copayments, or deductibles) of the costs of Medicare-covered services. Some Medigap policies also cover certain benefi ts Original Medicare doesn't cover. Medigap policies don't cover your share of the costs under other types of health coverage, including Medicare Advantage Plans, stand-alone Medicare Prescription Drug Plans, employer/union group health coverage, Medicaid, Veterans Administration (VA) benefits, or TRICARE. Also, except for Medicare Prescription Drug Plans, while you have any of these other types of health coverage, insurance companies generally aren't allowed to sell you a Medigap policy.
Why Choose a Medicare Supplement Policy?
Coverage for out-of-pocket expenses to help pay coinsurance, co-payments and deductibles associated with Medicare covered services.
Freedom to choose their own doctors and hospitals no referrals or networks. (Note: Medicare Select plans have hospital networks).
Covers Medicare-allowable services when traveling within the U.S.
Predictable out-of-pocket costs.
Portable -- Plans move with the insured and can be used in all 50 states and certain territories as long as the provider accepts Medicare. (Note: Medicare Select Plans have hospital network restrictions.)
Guaranteed Renewable -- Automatically renews or is guaranteed to continue from year to year except for termination due to non-payment of premium.
Emergency coverage when traveling outside the U.S. (plan-specific)
Not subject to lock-in. Medicare supplement plans may be purchased throughout the entire year by eligible Medicare consumers.
Cannot be singled out for a rate increase.
30-day "free look" evaluation period. Full refund of premiums if policy is returned within 30 days of policy issuance minus any claims.
When is the best time to buy a Medigap policy?
The best time to buy a Medigap policy is during your Medigap open enrollment period. This period lasts for 6 months and begins on the first day of the month in which you are both 65 or older and enrolled in Medicare Part B. Some states have additional open enrollment periods including those for people under 65. During this period, an insurance company can't use medical underwriting. This means the insurance company can't do any of the following:
1. Refuse to sell you any Medigap policy it sells
2. Make you wait for coverage to start
3. Charge you more for a Medigap policy because of your health problems
Important Changes Effective June 1, 2010
New laws have brought many changes to Medigap policies. These changes will be effective June 1, 2010, and will give you choices in health care coverage to fill gaps in services that Original Medicare doesn't cover.
Basic Benefits Starting with policies eff ective on or aft er June 1, 2010, Hospice Part A coinsurance (outpatient prescription drug and inpatient respite care coinsurance) will be covered. Plan K will cover 50% of the costs and Plan L will cover 75% of these costs.
Part B Coinsurance Plans K, L, and N will require you to pay a portion of Part B coinsurance and copayments, which may result in lower premiums for these plans. All other Medigap policies pay them at 100%.
New Plans Offered Plans M and N are new choices.
Plans D and G Plans D and G eff ective on or aft er June 1, 2010 have diff erent benefits than D or G Plans bought before June 1, 2010.
Plans No Longer for Sale Plans E, H, I, and J will no longer be sold aft er May 31, 2010. But, if you already have or you buy Plan E, H, I, or J before June 1, 2010, you can keep that plan.
Medicare has neither reviewed; nor endorsed, this information...
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