Medicare Supplement Insurance

"Medigap" Supplemental Plans for Additional Health Coverage

Medicare Supplement Insurance in South Florida

More than 55 million Americans rely on Medicare for their health care coverage. This government-managed healthcare program is available to individuals ages 65 and over, as well as individuals with disabilities or End-Stage Renal Disease. If you’re eligible, it’s important to understand the various parts of Medicare coverage, what each offers, and which Medicare plan is right for you and your needs. Florida Healthcare Insurance is an award-winning agency in South Florida with knowledgeable agents who can help you navigate your Medicare supplements options.

Original Medicare covers a large portion of covered healthcare services, but does not cover the entire cost of these services. Usually, the individual pays a deductible before Medicare pays its share. Original Medicare also does not cover prescription drugs, leaving many patients who are enrolled in Original Medicare with additional costs and healthcare bills to pay, even when they see in-network providers.

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Medigap / Medicare Supplements To Reduce Healthcare Costs

Medicare Supplement Insurance, also known as Medigap, covers the “gaps” in Medicare coverage to eliminate healthcare expenses like copayments, coinsurance, and deductibles.

When compared to every other major medical plan in the U.S., Medigap comes in strong as the most comprehensive major medical plan. Medicare pays for only 80% of healthcare costs, and depending on the plan choice, Medigap may be able to cover the remaining portion. This means patients won’t have co-pays for:

  • Hospitals
  • Physical Therapy
  • Occupational Therapy
  • Chiropractic Care
  • Tests, Labs, X-Rays, and other testing

With Medigap, there’s no yearly out-of-pocket limit for the health portion. Additionally, there are options to add a standalone drug plan to Medigap — Part D. Part D coverage, as an additional purchase, can be tailored to your individual health needs.

Will Medicare Supplements Restrict Me To A Provider Network?

There’s no network involved with Medigap coverage; you are able to see any doctor in the U.S. who accepts Original Medicare. Another benefit is your plan does not change from year to year, so there is no need to worry about changing doctors or paying more for healthcare in the coming years.

Applying For Medigap or Medicare Supplements

Interested in Medigap?  Medigap coverage is supplied by private insurance companies rather than the government. Ready to apply? Our experienced team of expert agents are ready to review your options with you and find you the best coverage for your specific needs! We serve Coral Springs and all of South Florida and beyond!

Medicare Advantage

Medicare Advantage, or MA-PD are considered bundled plans that combine Part A, Part B, and often Part D.

Medicare Advantage plans can be offered as “pay-as-you-go” with low monthly premiums. However, and unlike Medigap, there are yearly out-of-pocket maximums for the health portions. The maximum will vary depending on whether the plan is an HMO or PPO. There are also co-pays for hospitals, physical and occupational therapy, chiropractic care, and testing. Additionally, and also unlike Medigap, plans can change from year to year.

Think Medicare Advantage may be a good option for you? We are experts in all aspects of Medicare. Give us a call today and we can help you determine what’s best for your health needs!

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