Medicare Advantage (Medicare Part C) is an alternative to the government-run program of managed health care. Medicare beneficiaries living in Florida have the option to sign up for Medicare Advantage, which is private insurance, in order to receive their Medicare benefits through an individual health plan rather than through Original Medicare, Part A and Part B. The additional benefits offered depends on the Florida zip code in which the beneficiary lives and the Medicare Advantage health insurance plan selected.
As in the rest of the United States, Medicare Advantage in Florida is required by the government to offer at least the same hospitalization and medical benefits as Original Medicare, Part A and Part B. Some Medicare Advantage plans in Florida may also offer additional benefits, like vision, hearing, dental, and fitness programs for seniors. Many Medicare Advantage plans in Florida offer prescription drug coverage as well.
Florida residents wishing to enroll in Medicare Advantage must already be enrolled or be eligible to enroll in Original Medicare, Part A and Part B. You are first able to join Original Medicare during your Initial Enrollment Period, which begins three months before you turn 65, includes your birthday month, and ends three months after that month. If you don't sign up for Medicare during your Initial Enrollment Period, you may subject to a late-enrollment penalty for as long as you remain enrolled in Medicare. You may enroll in Original Medicare at a later date, during the annual General Enrollment Period, which runs from from January 1 to March 31, but be aware that you would still have to pay the late-enrollment penalty fee.
If you're enrolled in a Medicare Advantage plan in Florida and decide to switch to another Medicare Advantage plan, you can do so during the Annual Election Period, also called the fall Open Enrollment Period, which runs from October 15 to December 7. Your new coverage goes into effect on January 1 of the following year.
In some cases, you may be allowed to switch Medicare Advantage plans in Florida during Special Enrollment Periods, if you go through certain life-changing events. Those events include, among others, the loss of your current coverage, changes in your current plan that affect your health benefits, or moving to a new address where your old plan may not be available. Special Enrollment Periods vary according to the health plan you choose and the reason you want to switch plans.
In Florida, you're allowed to switch from Medicare Advantage to Original Medicare, Part A and Part B, during the Medicare Advantage Disenrollment Period, which runs from January 1 to February 14 each year.
Prior to purchasing a Medicare Advantage policy, you may want to review the types of plans available in Florida. Medicare Advantage plans in Florida generally include the following:
As a Medicare beneficiary in Florida, you may find it useful to compare all Medicare Advantage plans available in your area.
The availability and cost of Medicare Advantage plans generally varies depending on your state and county of residence. It's common for premiums of a Medicare Advantage plan with the same coverage and benefits to vary between different counties within the state of Florida. You may find that some Medicare Advantage plans in Florida offer premiums as low as $0; but always keep in mind that you must continue paying your Medicare Part B premiums, no matter which Some Medicare Advantage plan you choose, in order to keep your Medicare insurance coverage.
Some Medicare Advantage plans may offer additional benefits beyond what is included in Original Medicare, Part A and Part B, so you will need to determine exactly what kind of coverage you may require, plus whether or not you want prescription drug coverage with your Medicare Advantage policy through a Medicare Advantage Prescription Drug plan. With all these options available in Florida, you can understand why it can be a good idea to compare plans with the benefits and costs best suited to your personal health needs.
To start comparing Medicare Advantage plans in Florida today, enter your zip code above for a customized list of plans available in your area. You can also enter your prescription drug needs to further customize your search and cost estimates.
For further information about Medicare insurance in Florida, view the following resources:
With all the Medicare Advantage plan options available in Florida, it may be smart to get help choosing the health plan that works best for your needs. You can:
Medicare has neither reviewed nor endorsed this information.
To learn about Medicare plans you may be eligible for, you can: