Summary: If you’re on Medicare in Florida, you may have multiple insurance options available to you. The federal program is called Original Medicare. This includes Part A and Part B, which together cover hospital and medical insurance. Other options for Medicare in Florida may be available where you live. These may include Medicare Advantage and Medicare Part D prescription drug plans. 

Original Medicare in Florida

Here’s a brief overview of Original Medicare in Florida. It includes Part A, hospital insurance, and Part B, medical insurance. Medicare works the same way in Florida as in the rest of the United States.

You’re eligible for Original Medicare if you’re a U.S. citizen or permanent legal resident of five continuous years or longer, and any of the following is true:

  • You’re age 65 or older.
  • You have been receiving disability benefits from the Social Security Administration (SSA) or the Railroad Retirement Board (RRB) for 24 months in a row.
  • You have end-stage renal disease (ESRD).
  • You have amyotrophic lateral sclerosis (ALS or Lou Gehrig’s disease).

Read about when you may be automatically enrolled in Original Medicare.

What if you’re not automatically enrolled in Medicare in Florida? You can apply for Medicare through the SSA or RRB. You can apply for Medicare in Florida:

  • Online at the Social Security website. Individuals applying for Medicare only can use this application.
  • By calling Social Security at 1-800-772-1213. TTY users call 1-800-325-0778. SSA representatives can be reached Monday through Friday, from 7AM to 7PM.
  • In person at a local Social Security office. To look up Florida locations, click here.

You may enroll in Original Medicare, Part A and Part B, during these enrollment periods.

  • Initial Enrollment Period (IEP): Your IEP begins three months before you turn 65, includes your birthday month, and ends three months after that date.
  • General Enrollment Period: If you miss your IEP, you can sign up for Medicare in Florida from January 1 to March 31 annually. The effective date of your coverage would be July 1. However, you will probably have to pay a late-enrollment penalty in the form of higher monthly premiums because you missed your Initial Enrollment Period.
  • Special Enrollment Period: What if you delayed your enrollment in Part A and Part B? For example, you may have a health plan through your work. You may be able to sign up for Medicare during a Special Enrollment Period (SEP) when your other plan ends. You generally won’t have to pay a late-enrollment penalty if you sign up for Medicare in Florida during a SEP.

For Medicare in Florida, you won’t have to pay a monthly premium for Part A if you worked at least ten years while paying Medicare taxes.

Medicare Part A coverage includes services such as:

  • Inpatient hospital care
  • Skilled nursing facility care
  • Nursing home care
  • Hospice care
  • Limited home health services

Medicare Part B has a monthly premium. You might have to pay more for Part B if your income is above a certain level.

Medicare Part B may cover the following services and supplies (this is not a full list):

  • Doctor visits
  • Hospital services
  • Laboratory services
  • Radiological services
  • Ambulance services
  • Durable medical equipment
  • Mental health services
  • Getting a second opinion before surgery
  • Limited outpatient prescription drugs 

Medicare in Florida Plan Options

Under Medicare in Florida, you can get your benefits through the Medicare Advantage (Medicare Part C) program. Medicare Advantage plans cover Part A and Part B benefits.

Some Medicare Advantage plans also offer extra coverage. These may include dental, vision, and hearing benefits.

Read more about Medicare Advantage plans in Florida.

Many Medicare Advantage plans include prescription drug coverage. Known as Medicare Advantage prescription drug plans, they combine health and drug coverage into single plan.

Some Florida Medicare Advantage plans have $0 monthly premiums in 2020. You still have to stay enrolled in Original Medicare. You need to continue paying your Medicare Part B premium. You’ll also need to pay any premium that the Medicare Advantage plan may charge.

You can also get prescription drug coverage if you stay with Original Medicare. You can enroll in a Medicare Part D stand-alone prescription drug plan if you have Part A or Part B.

Find out about stand-alone Medicare Part D prescription drug plans in Florida.

If you decide to stay with Original Medicare, another option you may have is to sign up for a Medicare Supplement (Medigap) insurance plan to help pay for Original Medicare’s out-of-pocket costs.

Different Medicare Supplement insurance plans pay for different amounts of those costs. These costs may include copayments, coinsurance, and deductibles.

Get more information about Medicare Supplement plans in Florida.

Medicare Supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program.

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