Your privacy is protected. We will assist you in buying a policy only if you want us to!
Add a Medicare supplement quote engine to your website for Free! We'll even create the website for you for Free! There are No Catches! - Go to www.naaip.org
|
Naomi Fader, a senior citizen from Fort Lauderdale, was finding it extremely difficult to meet the rising health care costs with her original Medigap coverage in 2009. Her basic Medicare plan left many expenses uncovered and she was contemplating buying an insurance plan to meet such additional expenses. After considering her options, she decided that a Florida Medicare Supplement Insurance policy may be the solution to her problem. Supplemental insurance covers medical expenses not covered by the original Medicare plan’s Part A and Part B.
[Read our Complete Guide to Medicare Insurance Mrs. Fader visited several web sites and finally arrived at ours, the web site you are currently visiting. Like many of our customers, she was glad to find comprehensive information on the Florida supplemental Medicare Insurance plan in an easy to read format. The task of selecting a Florida Medicare Insurance plan needn’t be a difficult one. Supplemental Medigap policies in Florida are regulated by both federal and state laws. Insurers are expressly prohibited from selling more than one Medicare Supplemental Insurance policy to an individual consumer. The application actually states that if the policyholder has more than one Medicare supplement plan, then the new one will immediately replace the old one. A Florida Medigap policy covers the medical costs that Medicare Parts A and B do not cover. The policy covers expenses on deductible and coinsurance amounts. Such coverage is available to individuals without medical underwriting if purchased when the Florida Medicare recipient applies when he or she first receives Medicare Part D or in the open enrollment period. We are experts in the field of Medicare Advantage plans and Florida Advantage insurance. Our insurance plans are easy to understand and an extremely good bargain. You will be protecting yourself from unexpected health care expenses in the future with our coverage. That is
not all. There are many more advantages to enrolling in an insurance plan presented by us. For further details, we invite you to visit our Medicare Insurance protection page where you will find the information on the many choices available. We wish you success in making a wise decision in choosing the ideal supplemental Florida Medigap plan.
jm 454 42 10182011 |
We don't ask for personal information. If you do want to purchase a plan, you are welcome to contact an agent. Please consider that the agents that work with us are licensed and bonded.
The other Medicare supplement quoting sites that you are encountering online are initialy requesting your contact information and not giving you any quotes.
Medigap360.com shows a banner of their quote results which includes the insurer logo yet provides no such information. Complete fraud.
Medicaresupplementalinsurance.com provides no quotes. They promise quotes Today. You provide your information and you get a salesman calling you today.
There are dozens of similar sites that are deceiving you into provide personal information.
Being truthful is a bedrock of the American Way. Thank you for visiting our site.
Medicare is a federal program established to assist with health insurance. It applies to those aged 65+ and those who are younger but who suffer from certain health conditions that make them eligible.
If you are eligible and not enrolled automatically, you can sign up for Medicare by calling Social Security. If you are receiving social Security or certain other benefits, you may be automatically enrolled in Medicare. If you are unsure, call Social Security for assistance on 1-800-772-1213.
Basic Medicare covers those services that the government deems to be medically essential. Medicare Part A provides coverage for inpatient services in skilled nursing and hospital stays, hospices and home healthcare. Part B provides coverage for outpatient care including preventive care, doctor visits and lab tests. Part D provides coverage for most prescription drugs. Part C is privately sponsored Medicare Advantage plans that provide coverage for the gaps that Parts A, B and D don't fill.
There is various payments required by Medicare, which can include cost sharing, premiums and deductibles. There are certain government programs that assist with Medicare payments such as Low Income Subsidy payments for those with less income and fewer assets.
Some people have employer group health plans if they are actively employed. If this is the case it's possible that they will want to delay their Part B application while this plan is in effect.
If a person has creditable coverage for their prescription drugs, which is equally good if not better than regular Part D coverage, they may wish to delay Part D enrollment or forget it altogether. Creditable coverage will often be granted as part of some healthcare plans that are associate with Medicare, such as Veteran Affairs or Tricare.
Medicare can be supplemented with other useful plans such as Medigap, retiree plans and Medi-Cal (for those on a lower income or with fewer assets) which are not government sponsored, but privately issued. Other examples of private health plans include the popular Advantage plans which are comprehensive in their coverage. They include Medicare Part A and Part B but these are paid as part of the plan's premiums.
No. If your Medicare benefits are based on retirement, you must wait until age 65 to enroll. If you enter into retirement at age 62, you may have continued medical insurance from a previous employer or else you would have to purchase temporary health insurance from a private insurer while you wait to become eligible for medicare.
It is advisable to submit your Medicare application three months before your 65th birthday. You should receive your Medicare card around one month later, then coverage will start as soon as you turn 65. Those getting social security benefits will be enrolled in basic Medicare Part A and B automatically. If you don't wish to pay premiums for Part B, you may terminate your enrollment.
Termination of Part B enrollment is taken seriously and as such a form cannot be submitted online. You will be required to attend an interview with social services and may face a surcharge. To terminate enrollment, form CMS-1763 can be filled in person or over the phone and the consequences will be made clear to you.
If you are older than 65, you'll usually be required to sign up during the GEP or general enrollment period. This takes place between January 1st and March 31st and coverage commences on July 1st. There will most likely be a late enrollment penalty for those who sign up during the GEP which would mean a 10% rate increase for each month that you were eligible but did not enroll in Medicare.
If you have a low income or few assets, you may be eligible for financial assistance courtesy of the Medicare Extra Help program. This helps with monthly premiums, co-payments on Part D and annual deductible payments. Your Extra Help application also gets the ball rolling for the Medicare Savings Program, which assists with other Medicare-related costs. You will be contacted by the state with instructions to apply.
