Understanding Medicare Insurance in Florida
Florida has one of the largest Medicare populations in the US. With numerous plan options and annual changes, having an experienced agent is crucial. Our licensed Medicare specialists help you compare plans and find the coverage that fits your health needs and budget.
Key Benefits
Medicare Advantage (Part C) plans
Medicare Supplement (Medigap) coverage
Prescription drug plans (Part D)
Dental, vision, and hearing coverage
Low or $0 monthly premiums available
Annual enrollment assistance
Frequently Asked Questions
When can I enroll in Medicare in Florida?
Initial enrollment is 3 months before to 3 months after you turn 65. Annual Enrollment Period (AEP) runs October 15 - December 7. Medicare Advantage Open Enrollment is January 1 - March 31. Special enrollment periods exist for qualifying events.
What is the difference between Medicare Advantage and Medigap?
Medicare Advantage (Part C) replaces Original Medicare and often includes extra benefits like dental/vision. Medigap supplements Original Medicare, covering copays and deductibles. You cannot have both simultaneously.
Do I need Part D if I have Medicare Advantage?
Most Medicare Advantage plans include prescription drug coverage. If yours doesn't and you want drug coverage, you can add a standalone Part D plan. Review your plan details carefully.
How much does Medicare cost in Florida?
Part B premium is $174.70/month (2024). Medicare Advantage plans can be $0/month with varying copays. Medigap plans range from $100-300/month depending on coverage level and age. Part D averages $40-80/month.