If you live in Florida and have Original Medicare as your healthcare insurance, then you might benefit from something more powerful with more extensive coverage. There are Medicare Advantage Florida 2021 plans that offer coverage that goes beyond that of Original Medicare. They cover you for the medical expense that are common to seniors but that are not covered by the basic health insurance plans.

Medicare Advantage is sold by private insurance carriers all across Florida, with network coverage that can extend to most parts of the state. However, you can only sign up for a Medicare Advantage plan with a carrier that offers coverage in your local area. Even if you meet all the other qualifications for one of these plans, if you don’t live in the carrier’s network area, you won’t be able to get one of their plans.

How Florida Residents Will Be Covered by Medicare Advantage

You can choose from several different kinds of Medicare Advantage plans. The most basic and limited one will offer you coverage for all of Medicare Part A and Part B. It will also cover you for any urgently needed medical care and emergency medical treatment that you require. This takes care of most of your unexpected healthcare expenses as well as the common ones that most seniors need to have covered.

Florida residents can also choose from Advantage plans that cover them for all the basic stuff, plus Medicare Part D drug plans. There are also some Advantage plans that cover the cost of annual checkups with your hearing, vision and general wellness specialists. Choose from these various Advantage plans to find the one that fits your specific needs the best. Not all of them will be of value to you, so you’ll have to sort through what is available to find a plan that works for your situation. As your needs change, be sure to update your plan. You can do that during Open Enrollment each year, this period allows you to sign up for your initial plan, renew your current coverage or change or update your existing plan.

Medicare Advantage and the Network Area

Advantage plans are only going to provide you full coverage so long as you live in the network area of your carrier. Each carrier has its own network area. That network may change every now and then, but you will need to know if the network area extends to where you live before you try to sign up. If you apply for a Medicare Advantage plan in Florida from a carrier who does not cover your part of the state, then you will be denied the coverage that you are applying for.

You also need to be 65 years old and a Medicare plan holder before you can be approved for a Medicare Advantage plan. You are able to sign up only during Open Enrollment. This occurs on Octobers 15^th, and it ends on December 5^th.

The network for your Advantage plan will only extend as far as there are hospitals, clinics and other medical facilities that have approved the coverage from your insurance carrier. If you sign up for one of the Medicare Advantage Florida 2021 plans and then move outside of your carrier’s network area, then you will need to change to a more suitable version of the plan that gives you some coverage outside of your carrier’s network.

That’s right- you can be covered outside of the network if you choose the right kind of plan. You won’t get full coverage, but partial coverage is certainly possible if you choose what is known as a PPO plan. This is going to cover you partially outside the network and fully within the network.

If you live inside the network, however, then you should go for an HMO plan type. This is a Medicare Advantage plan that is cheaper than the PPO one and that will only cover you within your carrier’s network. That’s what most people choose because it is so economical.

Most Florida insurers will sell both PPO and HMO-type Advantage plans, and if you need help figuring out what will work best for you, then don’t hesitate to give us a call.

How to Find the Best Medicare Advantage Carrier in Florida

Who is the insurance carrier you should be signing up with for Medicare Advantage in your area? There are plenty of them to choose from, so you will want to pick wisely. Otherwise, you could end up paying too much for your coverage plan or getting coverage from a carrier that doesn’t take very good care of you.

Some of the carriers offer all sorts of great perks and charge you nothing extra for them. They can give you discounts on your prescriptions, provide you with free gym memberships, create personalized diet and fitness plans and even drop off your medications for you each month. Check out the list of perks for any provider you are considering to see what kind of value they are adding to your Advantage plans.

You also want to compare the rates they charge for their Advantage plans, and you can use our website to accomplish that. We offer you a free resource that gathers pricing data for you, saving you a lot of hard work and time. You can quickly see what the various rates are for your area and find a plan that is affordable and that meets your needs.

Take the time to use our site and compare some rates, and that will help you to save money and find a plan that fits your budget. Medicare Advantage Florida 2021 doesn’t have to be very expensive. You can get a coverage plan for a reasonable price and be well covered for the coming year. Be sure to contact us if you have any questions or if you need more information about Medicare Advantage. Our team will be happy to assist you and ensure that you feel good about the coverage plan you are picking.