Article provided by: Medicare Health Experts – Florida Medicare Providers
Understanding and signing up for Medicare Advantage plans in Florida can be confusing, But fear not: We are here to help you. Let the licensed agents at Medicare Health Experts help you navigate the world of Medicare Advantage in Florida. In this guide, we’ll provide frequently asked questions about Medicare Advantage plans so you can learn more.
What is a Medicare Advantage plan?
Medicare Advantage Plans, also called “MA Plans” or “Part C” are an “all in one” alternative to Traditional Medicare plans offered by health insurers. The Medicare Advantage plans covered benefits under Parts A and B and also provide Part D prescription drug benefits. Some Medicare Advantage plans also offer some benefits that traditional Medicare does not cover.
When can I enroll in Medicare Advantage Plan?
You can enroll in a Medicare Advantage Plan between October 15 – December 7 each year. You are eligible for Medicare plans 3 months after you turn age 65 or 3 months before you turn age 65. You can also enroll in Medicare Advantage plan 3 months before or 3 months after your 25th month of disability if you get Medicare due to a disability.
When will my Medicare Advantage plan take effect if I sign up?
Your Medicare coverage will take effect on January 1 of the next year if you sign up for Medicare Advantage plan during the Open Enrollment time that runs every year from October 15 to December 7.
Can I change plans during Medicare Open Enrollment period?
You can change to traditional Medicare or change your Medicare Advantage plans between October 15 and December 7 every year. You can also utilize the annual Open Enrollment period from January 1 to March 31 if you want to change to traditional Medicare or change to a different Medicare Advantage plan.
Are cost-sharing requirements and covered benefits under Medicare Advantage plan the same?
All the services that are under the traditional Medicare plans are covered in Medicare Advantage plans. However, not all Medicare Advantage plans have the same cost-sharing requirements and some plans may cover benefits not covered by traditional Medicare. The premiums, deductibles, and coinsurance for services vary by plan. You can contact Medicare Health Experts at 561-279-3804 to compare the benefits and costs of different Medicare Advantage plans. We offer local, personalized counseling and assistance to people in need of Florida Medicare Advantage plans.
If I have a medical condition, will I be charged a higher premium for Medicare Advantage plans?
No, all enrollees are charged the same premium for Medicare Advantage plans. Premiums are not permitted to vary by age, gender, smoking history, or pre-existing medical conditions.
Still Have Questions About Medicare Advantage Plans?
Though we covered some of the essential Medicare advantage questions, if you still need help breaking through Medicare jargon and choosing the best Medicare advantage plans in Florida, you can get help by talking to one of our Medicare agents today. Call 561-279-3804 to schedule an appointment with our experts.