Florida Medicare Supplements

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Florida medigap insurance

Florida Medicare beneficiaries are often shocked when they find out how much
they must pay out of their own pockets for hospital or doctor bills. To help fill
the "gaps" in Florida Medicare coverage, some people buy private supplemental
insurance known as Medigap insurance. This web site will give you simple but
complete explanations on:

  • Who can qualify for Medigap coverage
  • What Medigap insurance covers
  • The different plan options

  • How to choose the best plan
The information presented on this site can save you a lot of money so take a
few minutes to read it all the way through. We are Florida Medicare Supplement
insurance specialists and can help you put into action the money saving tips you
will learn here.

Who Qualifies for Medigap Insurance?

The best time to purchase a Medigap policy is during your open enrollment. This is a period of six months from the date you turn 65 and enroll in Medicare Part B. During this window of time, regardless of your health, no company can deny, put conditions on, or discriminate in the pricing of the policy you want because of your medical history, health status or claims experience.

However, if you try to get a Medigap policy after the designated periods for Medicare Part B enrollment, companies who sell Medigap policies have the right to review your medical records and deny you coverage if you had a significant amount of medical treatment or a condition that is likely to require extensive care in the near future. There are exceptions. For instance, if your Medicare HMO is going out of business or leaving the area served by your plan, you may be eligible for guaranteed coverage. If you are not sure, ask us - 1-800-986-4786.

If you wait until you are sick to get a Medigap policy, your goose is cooked!

If you are going to get a plan do it now. It will never be any cheaper and there is no such thing as an insurance sale. Think of it as an early bird special. Click here now for a quote.

What Does Medigap Cover?

As of June 1992, federal law mandates that all new Medigap policies must match one of ten standardized benefit plans which are labeled A through J. No matter what company you buy from, the coverage each of the ten plans offers is identical from company to company.

I don't care if they advertise on television or show you pictures of their skyscraper headquarters. The "C" plan from one company is EXACTLY the same the "C" plan of every other company. It is the law.

If you are not familiar with what Medicare covers then how can you decide if you need a plan that covers the gaps. You wouldn't know what the gaps are. Click here for a complete Medicare Information.

Core Benefits (Included in All 10 Plans, A - J)
No matter which plan you get, it will have the core benefits. For many of you that will be enough.
The "A" plans are the least expensive plans.

  • Hospitalization. Covers the $198 Part A per day co-payment for the 61st to 90th days and the $396 per day co-payment from the 91st to 150th day (reserve days). All Medigap plans also pay 100 percent of up to 365 additional days stay in a hospital throughout the rest of the insured's life.

  • Medical expenses. Covers the 20 percent Copayment for the Medicare-allowed-amount for physician charges.

  • Blood. Any Medigap policy pays for the first three pints of blood for transfusion each year.

The following additional benefits are offered by the other plans as indicated.

Additional Medicare Part A Coinsurance

  • Hospital deductible. Covers $792 for each hospital stay during each new benefit period (offered by plans B - J).
  • Skilled nursing home Copayment Covers $99 per day for days 21 to 100 of skilled care in a nursing home per benefit period (offered by plans C - J).
    If you do not have a long term care policy to cover this expense you could get clipped for over $7800. It depends on how long you are in for. So, if you are really on the ball you might say to yourself, "Why don't I take the "A" plan and use the money I save on a long term care plan?"

Additional Medicare Part B Coinsurance

  • Deductible. Medigap policies C, F, and J will pay the first $100 of covered physician services per calendar year. Not such a big deal.

  • Excess doctor charges. Certain policies will cover the difference between a doctor's charges and the amount approved by Medicare (plans F, I and J cover 100 percent while plan G covers 80 percent). A lot of doctor's will accept the 80% that Medicare pays and you would not have to pay anything extra. Don't be bashful - ask them.
Additional Coinsurance
  • Foreign travel emergency. Covers 80 percent of emergency care in a foreign country--with a $50,000 lifetime maximum--after a $250 per calendar year deductible (offered by plans C - J).
    For a few dollars you can get an excellent travel health plan for your trip. It is well worth it. Use the button at the top of this page for details. If you want the "C" plan that is fine. Don't pay extra for a "C" supplement just for the foreign travel emergency coverage.


  • At-home recovery. Pays up to $40 per visit, to a maximum of $1,600 per year, for short term, at-home assistance with activities of daily living during recovery from an illness, injury or surgery that qualifies a patient for skilled home health care under Medicare guidelines (offered by plans D, G, I and J).

    This is not a home health care plan. I don't care what your friends tell you. If you can afford it, get Home Health Care and/or Long Term Care insurance. Again, the money saved by buying a less expensive supplement is better spent on Home Health Care and/or Long Term Care insurance

  • Preventive screening. Plans E and J cover $120 per year for health care screenings ordered by a physician but not covered by Medicare, such as a physical examination, cholesterol test and diabetes screening.
    All Medicare plans will cover ongoing diabetic testing supplies but not insulin.


  • Outpatient prescription drugs. Some plans cover 50 percent of the cost for drugs prescribed by a physician After a $250 per year deductible. Plans H and I will pay up to a maximum annual benefit of $1,250 and Plan J pays up to $3,000.
    The H, I and J plans are very expensive. Usually, you will pay more for the plan than the amount that you get back. Most companies don't even offer these plans anymore. Furthermore, if you are sick enough to need that much medication, the only time you will qualify for the plan is during open enrollment. Click on the Prescription Plan button at the top for a discount prescription plan.

Florida Medicare Supplement Coverage:
Comparison of Plans A - J

Plan A
Plan B
Plan C
Plan D
Plan E
Core Benefits Core Benefits Core Benefits Core Benefits Core Benefits
    Skilled Nursing 
Copayment
Skilled Nursing 
Copayment
Skilled Nursing Copayment
 
Part A Deductible
Part A Deductible Part A Deductible Part A 
Deductible
    Part B 
Deductible
   
    Foreign Travel 
Emergency
Foreign Travel 
Emergency
Foreign Travel 
Emergency
      At Home Recovery  
       
Preventive Care
 Plan F
Plan G
Plan H
Plan I
Plan J
Core Benefits Core Benefits Core Benefits Core Benefits Core Benefits
Skilled Nursing 
Copayment
Skilled Nursing 
Copayment
Skilled Nursing 
Copayment
Skilled Nursing 
Copayment
Skilled Nursing 
Copayment
Part A Deductible Part A Deductible Part A Deductible Part A Deductible Part A 
Deductible
Part B 
Deductible
      Part B 
Deductible
100% of the Part B Excess Charge 80% of the Part B Excess Charge   100% of the Part B Excess Charge 100% of the Part B Excess Charge
Foreign Travel 
Emergency
Foreign Travel 
Emergency
Foreign Travel 
Emergency
Foreign Travel 
Emergency
Foreign Travel 
Emergency
  At Home Recovery   At Home Recovery At Home Recovery
    Basic Drugs 
($1,250/year)
Basic Drugs 
($1,250/year)
Extended Drugs 
($3,000/year)
        Preventive Care

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