Medicare Advantage Plan Types

Your Medicare HMO Specialist

Medicare HMO plans usually have lower premiums – at times as low as $0. That’s why they are immensely popular. Some of these plans (available in several Florida counties) even partially reimburse you for part of your Medicare Part B premium payment.

However, that is only possible if they are enrolled in Medicare Part B and Part A.

When you visit a doctor or a physician who is a part of the HMO network, the insurance company will reimburse for the care they provide for you.

A primary care physician (PCP) will be responsible for treating any health condition that you might have. If they aren’t able to do that, they will refer you to a specialist network.

Medicare HMO has virtually no out-of-network benefits, except for emergency medical attention. Remember that when you sign up for one!

Don’t spend hours and hours poring over each HMO plan to find the right one for you. Let the licensed FL Medicare Agency specialists come to your aid! From the size of the network, its star rating, history, which physicians participate in it, whether it has a built-in Medicare Part D drug formulary for your medications, to its service area, we have all the information about your plan. Call Florida Health Agency at English 954-332-9768, or Portuguese 954-859-2602.

 

Features of Medicare HMOs

  • Besides having End-Stage Renal Failure, you can enroll in Medicare HMO during the proper election periods.
  • In many Florida Counties, there are specialized Medicare Advantage HMO plans for people who are eligible for both Medicare and Medicaid.
  • In many Florida Counties, there are specialized Medicare Advantage HMO plans for people with special Chronic Conditions, like Diabetes, Heart Disease, and COPD.
  • Everything from the premiums to benefit could change in the coming years, so review your Annual Notice of Change letter carefully.
  • Medicare Part D drug plans may be a part of your HMO plan. Therefore, always check the drug formulary and you might be able to buy your medications at a lower cost.
  • Your plan will tell you how much your health care provider can charge for a service, such as lab work, doctor’s visit, inpatient hospital care etc. You pay part of the cost in the form of co-pay or coinsurance.
  • Medicare Advantage plans receive a star rating from Medicare, which is based on current plan member feedback. While a five-star-rating is the highest rating, you will mostly come across 3 and 4-star plans. Ratings lower than 3 must be communicated to plan members so they can change out of it if they want to.

The Only Medicare PPO Expert You Need

Preferred Provider Organization (PPO) is similar to HMO in that you can reap the benefits of Medicare Parts A and B and sometimes even D. You must pay for Medicare Part B and the Medicare PPO premium – many of which are at NO cost! However, there are differences in this form of Medicare Health Insurance, as well, such as:

  • Lower co-pays when you visit healthcare providers who are in the network
  • No choosing of a primary care physician
  • No referrals needed to see specialists
  • Out-of-pocket expenses have a capped value

These features might vary from plan to plan, so do your research before enrolling in one!

 

Features of Medicare PPOs

  • Generally lower premiums as compared to Medicare Supplement Plans (Medigap)
  • Everything from the premiums to benefit could change in the coming years, so review your Annual Notice of Change letter carefully.
  • Medicare Part D drug plans may be a part of your HMO plan. Therefore, always check the drug formulary and you might be able to buy your medications at a lower cost. However, you can only get drug coverage from an integrated Part D plan – no separate part D drug plans in this case!
  • Your plan doesn’t dictate which doctor you should go to but you will be paying a higher cost, if you do – as well as pay a deductible (for out of network doctors and facilities) up front!
  • You pay in the form of copay as you go along
  • Enrollment in some Medicare Plans could include extra benefits like vision, dental, and health club membership. Read the rules before you avail those benefits.

Medicare PPO plans are not Medigap plans. They both offer different coverage and are not interchangeable!

If you find selecting the right plan to be tricky, then you shouldn’t have to do so alone! With the help of Florida Health Agency, you can reap the benefits from a plan that gives you access to the best healthcare providers and all your medications. Talk to us at – English 954-332-9768, or Portuguese 954-859-2602 – and we will guide you through the whole procedure. We also love to answer questions, so ask away!

Excellent Medicare PFFS Expertise

Private-Fee-for-Service (PFFS) is available in select areas and requires their members to carry an ID card that must be presented before service. Like the other advantage Medicare Plans, this is not a Medicare Supplement plan!

Similarities with HMOs and PPOs include you paying the plan’s premiums, co-insurance, and pays. Differences include the absence of a limited network of providers.

Do not accept medical care until the provider has agreed to the payment terms and conditions outlined by your plan!

 

Features of Medicare PFFS

  • Your plan doesn’t dictate which doctor you should go to. All you have to do is present your card to a Medicare-participating provider. Ask if they will treat you and receive medical care immediately. These plans are perfect for you if you travel frequently.
  • You might be eligible for a separate Medicare Part D drug plan with your Medicare PFFS. Confirm to see if the drug plan should be integrated with your PFFS plan or if you must enroll in a separate drug plan for drug benefits and a separate PFFS for other medical needs.

PFFS plans are NOT Medicare Supplement Plans! Therefore, when you go to a provider who has no contract with your PFFS plan, they are only obligated to provide you with emergency care. You must discuss this with a healthcare provider if they agree to bill the plan for your care or not before receiving medical attention!

Rules regarding access to health care providers might complicate medical care for you, especially when you are in dire need of it! It is better to join forces with a good insurance agent who can help you determine the kind of coverage you have with your PFFS plan. Call Florida Health Agency at – English 954-332-9768, or Portuguese 954-859-2602 – we are the best at what we do!

Special Needs Plans (SNPs)

These plans are not available in every county or for every condition.

With an SNP, you must stick to the HMO format of Medicare Plans. They are only available to Medicare beneficiaries with certain health conditions. An SNP allows such a person to have their needs met in terms of specialist care for their condition. There are also some SNP plans designed specifically for people who qualify for both Medicare and Medicaid.

HMO-POS

A hybrid of the two plans, HMO and PPO, this plan enables you to use certain out-of-the-network providers in certain situations. For instance, if you are traveling, you can avail this opportunity and not have to pay more than if you had gone to an in-network provider.

However, it is always better to confirm which features work in what way to avoid unpleasant surprises later!

Keep in mind that each Medicare Advantage program has a certain service area. That is why; you can only join a plan that is available where you live. Our licensed health insurance agents will put together a checklist of items that you need your plan to have. They will then comb through all available plans to see which ones suit you best. Call – English 954-332-9768, or Portuguese 954-859-2602 – to work with Florida Health Agency – we are friendly, professional, and knowledgeable!

Medical Savings Account Plans (MSAs)

These plans are NOT currently available in the state of Florida

MSAs make a sizeable fund put into a health savings account by Medicare available to you. You are free to spend them on health services that qualify for MSA, as well as, get insurance benefits.

Get Your Free Copy of the “Ultimate Medicare Quick Reference Guide” from Florida Medicare Agency!

This guide helps you learn about the different parts of the Medicare program, including Medicare Part A and Part B (together, they are often called “Original Medicare”), Part C (often called “Medicare Advantage”) and Part D (the part of Medicare that covers your prescription medications).

Sign Up For Medicare

We understand that Medicare matters can get quite complicated. It is better to get help understanding Medicare before you sign up for a plan. With our help, you will have in-depth health insurance knowledge of the benefits offered by basic and supplement plans.

Call right away for your Health Insurance Quotes!
English 954-332-9768, or Portuguese 954-859-2602

This website and its contents are for informational purposes only. Nothing on the website should ever be used as a substitute for professional medical advice. You should always consult with your medical provider regarding diagnosis or treatment for a health condition, including decisions about the correct medication for your condition, as well as prior to undertaking any specific exercise or dietary routine.

Florida Health Agency is a licensed health insurance agency certified to sell Medicare products.
Medicare has neither reviewed nor endorsed this information.

Get In Touch

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English: 954-332-9768
Portuguese: 954-859-2602
Fax: 954-301-2282

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Lighthouse Point, FL  33064

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Angie C.
Angie C.
18:10 25 Oct 21
Absolutely amazing office. They really know what they are doing!! William is a master!! Highly recommended!!!
Irani G.
Irani G.
16:07 04 Oct 21
Rachel A.
Rachel A.
18:14 28 Sep 21
Holly J.
Holly J.
18:30 20 Sep 21
Priscilla was amazing and so helpful! I was lost on how to obtain insurance and she knew exactly what I needed. Highly recommend!
Aimee F.
Aimee F.
21:25 15 Sep 21
Called in desperate need of assistance and direction. Priscila and Bill took our call and spent hours with us everyday thereafter working hard to make sure we were in the loop and up to date. This is our insurance place hands down from here on out!
Daniel D
Daniel D
17:40 02 Sep 21
Very helpful. Very Couteous. Very knowledgeable. Excellent Commicator.Timely. Most of all felt like he was serving me like he would like to be served. Thank you William.
Scott H.
Scott H.
15:16 31 Aug 21
Jack L.
Jack L.
23:02 27 Aug 21
Katie S.
Katie S.
18:29 24 Aug 21
Priscilla was wonderful in helping my husband get a health care plan. She made sure that we were happy and taken care of!
Heidi S.
Heidi S.
13:15 18 Aug 21
Brianna M.
Brianna M.
21:28 17 Aug 21
Elza T.
Elza T.
23:46 16 Aug 21
Desde o primeiro dia que falei com a Senhora Gio, me senti confortável e confiante de estar sendo atendida por uma excelente profissional!Muito obrigado Senhora Gio por ajudar-me a conseguir o plano que se adaptava às minhas condições financeiras!!⭐️⭐️⭐️⭐️⭐️
Cristina G.
Cristina G.
21:17 14 Aug 21
Gio is an excellent health insurance agent, answers your questions quickly and with great knowledge of what she does, I recommend her! Thanks Gio!
Cristiane S.
Cristiane S.
21:59 13 Aug 21
Priscilla is an excellent professional !!! 🙂
isabela F.
isabela F.
21:49 12 Aug 21
Priscila was very professional and knowledgeable! She helped me choose the perfect insurance plan for my family!
Martha P.
Martha P.
19:11 12 Aug 21
I love everything about FHA. Excellent customer service and availability. Gio is very enthusiastic and energetic and most importantly, she takes interest in what is best for my family.
Érica Souza de O.
Érica Souza de O.
03:12 12 Aug 21
Encantada com o atendimento da Gio, uma pessoa extremamente disposta a ajudar, profissional, pró ativa e muito atenciosa. Ela está de parabéns 👏🏻
David P.
David P.
20:36 11 Aug 21
My agent Bill has been excellent. Always knowledgeable, responsive and really knows how to find the best plans for the situation and budget.
Cyd G.
Cyd G.
19:52 11 Aug 21
Excelente atendimento, fui atendido pela agente Priscilla, sempre solícita em esclarendo todas minhas dúvidas!
Haysa R.
Haysa R.
20:22 10 Aug 21
A Priscila é uma profissional muito séria, super competente e que nós atende com muita excelência.
Salomon Z.
Salomon Z.
19:48 10 Aug 21
Bill is a great agent. He gave me advice on what I really need instead of what he wanted me to have.
Meneftha P.
Meneftha P.
19:04 10 Aug 21
Gio was very helpful in assisting me with selecting the best plan! Not only was she responsive and well informed, she was patient with me as I worked through my options. Gio made sure I was knowledgeable to help me make an informed decision. She was also very nice so that helped! Overall a great experience.
val C.
val C.
14:12 07 Aug 21
Silmara Baccaro L.
Silmara Baccaro L.
15:13 03 Aug 21
Excelente atendimento da Priscila!
Ana G.
Ana G.
14:05 03 Aug 21
Foi maravilhosa! Muito profissionalismo e excelência em todo momento! Gio foi fantástica!
Ellen C.
Ellen C.
17:43 02 Aug 21
Robson S.
Robson S.
19:42 31 Jul 21
Priscila Ribeiro foi super atenciosa, indico…👊🏻💪🏻
Patricia Barison V.
Patricia Barison V.
20:04 29 Jul 21
VANN C.
VANN C.
20:16 28 Jul 21
SUPER TOP PRISCILA IS BEST CUSTOMER SERVICE HELP ME IN EVERYTHING IM NERD HELPS A LOT THANKS PRICILA YOU ARE NUMBER 1 THE BEST
Gisel F.
Gisel F.
20:37 27 Jul 21
Pricilla was very professional, helpful, and very knowledgeable made getting health insurance stress free... I would recommend to my family and friends...
Lucca C.
Lucca C.
18:24 27 Jul 21
Adorei o atendimento da Gio! Ela é muito atenciosa e gentil! Me ajudou muito com o meu plano de saúde. Parabéns pelo trabalho!
Wildine Point Du J.
Wildine Point Du J.
17:56 27 Jul 21
Ms Priscilla was very very nice and helpful, I am glad I choose this location.
Chris B.
Chris B.
17:13 27 Jul 21
Gio Sartor was simply excellent! She explained everything in detail including, the various options. This helped us select the best plan for my Mother-In-Law. Gio was also very patient and kind as well in answering all of our questions. We’re deeply grateful!!
Sany O.
Sany O.
07:38 27 Jul 21
Mr William Kohn and Sonia are the absolute best. They’re definitely 5-star rated and I would give them one hundred stars if I could! They always return my calls in a matter of minutes and are always willing to help me with whatever I need. Together Bill and Sonia make an outstanding team. I have no words to thank them for their attention and care. This is the best place to help you with your health insurance and I strongly recommend Mr Kohn and Florida Health Agency.
Ss D
Ss D
22:02 23 Jul 21
Bill is phenomenal. Very caring, prompt in responding, thoroughly understanding the requirements and providing recommendations.
next L.
next L.
20:31 23 Jul 21
I spoke witch Pricscilla and she did a great Job of explaining me the different options for my health insurance and she helped me find a plan that meets my financial situation. She made things very easy for me and she was very polite which I really appreciate.
Lorena R.
Lorena R.
21:05 21 Jul 21
Melanie Keegan F.
Melanie Keegan F.
15:31 20 Jul 21
Bill made this process so much easier. His advice was invaluable, when deciding between insurance plans. Thank you!
Jackie R.
Jackie R.
15:15 20 Jul 21
Our agent, William Kohn, was extremely knowledgeable and responsive to all questions. He helped us navigate a wide array of resources to find the plan that worked best for us. Highly recommend!
Vanderlei B.
Vanderlei B.
02:26 20 Jul 21
Atendimento excelente, profissionais super qualificados e dispostos a tirar todas as nossas dúvidas! Super indico, e eu minha esposa ficamos muito satisfeitos.
Jumbo S.
Jumbo S.
21:34 16 Jul 21
After looking at health insurance on my own I realized I needed help. So many choices with similar names! It became very confusing fast. I call Gio and she was amazing in her knowledge and helped find what I needed. She has saved me thousands of dollars over the next year and I have recommended her to several friends already. She works for a very helpful company.
Mo Z.
Mo Z.
21:34 15 Jul 21
Gio was very helpful with my healthcare plan search. I highly recommend Florida Health Agency! Excellent, friendly service.
roseli P.
roseli P.
00:35 03 Jul 21
Very grateful for Priscilla Ribeiro's serviceFlorida Health Agency
Adriana S.
Adriana S.
20:23 30 Jun 21
Mari S
Mari S
15:58 30 Jun 21
A experiência da empresa tem sido uma das melhores em termos de planos de saúde. Minha família está muito feliz e satisfeita com o desempenho em nos ajudar com os planos. Nosso agradecimento especial ao Agente Gio Sartor.🙏🏻❤️
Hodge A.
Hodge A.
21:06 22 Jun 21
Explain things well very helpful and makes the process smooth I like working with William kohn and gio sartor very helpful .
Seçil A.
Seçil A.
17:34 22 Jun 21
Rejane R.
Rejane R.
15:11 22 Jun 21
Patrícia A.
Patrícia A.
23:15 21 Jun 21
Nicholas C.
Nicholas C.
15:32 17 Jun 21
Priscila was outstanding . Very professional and extremely helpful. We learned a lot with her and would highly recommend her to family & friends .Maria Regina Carollo
JOAO PAULO C.
JOAO PAULO C.
22:54 16 Jun 21
Fomos muito bem recebidos num escritório muito elegante.A nossa agente Priscila foi muito simpática, atenciosa e incansável. Uma profissional espetacular, muito competente e com um vasto conhecimento no seu campo de trabalho. Nos tirou todas as dúvidas e nos explicou minuciosamente todas as opções disponíveis.Saímos de lá seguros e confiantes que fizemos a melhor escolha. Vou indicar com certeza para meus familiares e amigos. Muito obrigada.
Jeff G.
Jeff G.
18:00 11 Jun 21
Bill is super knowledgeable and the kind of businessman and professional I wish everyone was. He went way beyond to provide me with incredible attention to detail and service despite the fact that I am just one individual. I felt that every person is vitally important and that he only has one speed: deluxe service and fast response.I would recommend him without reservation to anyone!
Nelson S.
Nelson S.
17:36 10 Jun 21
Office was very professional
Elizete T.
Elizete T.
17:35 09 Jun 21
Otima, principalmente com ajuda, atenção e rapidez da Priscila, inclusive quero agradecê-la por sempre que preciso de algo ela está pronta a ajudar!!!! Ótima profissional
LE Painting & S.
LE Painting & S.
02:13 08 Jun 21
Bill is very professional, knows everything about insurance and helped a lot get things done!He added my son and my premium was decreased, really amazing! Thanks a lot we really appreciate!!!
CARING PROFESSIONAL HEALTH C.
CARING PROFESSIONAL HEALTH C.
20:23 07 Jun 21
Kathleen C.
Kathleen C.
16:53 04 Jun 21
My husband and I were very pleased with Wiiliam’s knowledge and service. He is definitely 5-star rated. Highly recommend!Kathleen Cohn
Aubrey K.
Aubrey K.
15:14 29 May 21
William Kohn is a true professional, polite, knowledgable and efficient. He answered all my questions, made sure I understood all the options available and explained the differences in each of the health insurance policies.It will be a pleasure knowing that anyone I recommend him too will be treated with honor and respect.Thank you William Kohn for all you did for me to get health insurance for my daughter.
Robert S.
Robert S.
01:31 16 May 21
I strongly recommend Mr Kohn and Florida Health Agency. He was extremely knowledgeable about health insurance and provided invaluable information, options and assistance. He was very responsive to our questions and attentive to our needs.Thank you so much.
Fit S.
Fit S.
18:31 06 May 21
Happy Family E.
Happy Family E.
16:42 06 May 21
Donna D.
Donna D.
13:30 29 Apr 21
Mr William Kohn is the absolute best! In all my years of dealing with insurance agents I've never had anyone to explain a policy in it's entirety with such simplicity to which a child would be able to comprehend. I know he was God sent! He found a policy that is suitable for me & I'm completely satisfied thus I highly recommend Florida Health Agency!!!!
ashley w
ashley w
20:26 26 Apr 21
Bill was wonderful to work with and was able to save us money and get us better plans. I highly recommend contacting him for health insurance needs or questions.
Jeffrey M.
Jeffrey M.
15:59 23 Apr 21
hacho L.
hacho L.
01:02 21 Apr 21
Mr. Bill Kohan was great! He took the time to explain everything in detail. Thank you very much!Viviana Diaz
Srdjan S.
Srdjan S.
19:16 08 Apr 21
Bill was very kind and responsive. He knew exactly the plan we are eligible for and the process to get the plan was fast and painless. I strongly recommend Bill to others.
James C
James C
18:00 29 Mar 21
Inna P.
Inna P.
16:16 15 Mar 21
Great service ! Bill is great ! He was able to help me find insurance that would be accepted by all of my doctors and it would not break us financially. He is very detailed and explained everything we had questions about .
Paul M.
Paul M.
15:02 15 Mar 21
Always takes care of whatever is needed timely and very efficiently.Would never deal with anyone else to handle my Healthcare needs.Bill Chohen is tremendous 👏
daryll V.
daryll V.
19:40 10 Mar 21
Crashing Waves P.
Crashing Waves P.
17:59 09 Mar 21
Bill was a tremendous help with establishing our coverage. navigating through the world of health insurance has always been very intimidating for me. I am thankful to have had his assistance and would highly recommend his services!
Hallie R.
Hallie R.
21:51 02 Mar 21
Best experience I’ve ever had with an insurance agent. Listened to what we needed as a family and made sure we got the correct plan. Took his time with us and went through everything. ⭐️ ⭐️ ⭐️ ⭐️ ⭐️
Ruth W.
Ruth W.
13:50 27 Feb 21
lil M.
lil M.
22:18 21 Feb 21
Jennifer D.
Jennifer D.
22:48 06 Jan 21
William Kohn is absolutely the BEST insurance agent out there. He does his best to find exactly what you are looking for. He is professional and extremely knowledgeable about all the insurance plans from many different providers. He will walk you through all the necessary steps to make sure everything is done the right way. Thank you for you help.
Christea B.
Christea B.
22:26 02 Dec 20
Trying to choose the best insurance plan can be a daunting task. I am so pleased I chose Florida Health Agency to assist me. I have the perfect health plan for myself. William (Bill) Kohn was patient, highly knowledgeable and led me to the ideal policy based on my own health circumstances. Mindy was wonderful, warm and professional and available to answer all your questions. You are in excellent hands with this company!
Karina C.
Karina C.
19:06 27 Oct 20
I really recommend this company. I was very well attended and most importantly, Gio's feedback was and is still being exemplary. Thank you very much for assisting me in choosing my health plan.Karina Criscoullo
marie C.
marie C.
18:00 17 Oct 20
Ryan H.
Ryan H.
18:16 15 Oct 20
Laura V.
Laura V.
14:58 15 Oct 20
Gabriel was awesome, he helped me with lower rates and better insurance.
Salvatore C.
Salvatore C.
13:20 15 Oct 20
Priscilla is awsome agent she answer all my questions very patiently
Joannie B.
Joannie B.
12:54 14 Oct 20
Kevin M.
Kevin M.
14:48 07 Oct 20
John V.
John V.
20:40 23 Sep 20
This company has a culture of caring about their customers. I could see that from my first conversation with William. Something that is hard to find in the world we live in today. William and Sonia delivered incredible service. They definitely earned my business for my future health insurance needs.
Elliott B.
Elliott B.
20:05 03 Sep 20
Agent Priscilla has been more than competent in making sure her clients have all their documents in good standing order. In spite of multiple procrastinations on my end, she faithfully and patiently followed up with me until 24 hours of my deadline. Her professionalism speaks volumes and as a business owner myself, I know her employer must be proud having such a star employee.
Ruth M.
Ruth M.
19:12 21 Aug 20
Priscilla was very helpful in answering all my questions and getting me the best policy for my budget. Thank you
sahyli M.
sahyli M.
03:15 30 Jul 20
Sonia and William are a great team of professionals. They are extremely helpful. I am very happy with the help and direction I have gotten from them.
Freda E.
Freda E.
20:12 17 Jul 20
Caring, kind, dedicated and very professional!
Geisa A.
Geisa A.
17:35 13 Jul 20
Wendy V
Wendy V
20:51 26 Jun 20
Priscilla is very informative, professional and caring! The best insurance agent!
Karolina Bertoloni S.
Karolina Bertoloni S.
19:49 26 Jun 20
Priscila is awesome!! I’m so glad I found her to help me with my insurance needs... I totally recommend her!!!
George M.
George M.
21:14 24 Jun 20
Kate
Kate
18:44 02 Jun 20
I was very impressed with Pricilla Ribeiro and her willingness to find me a great policy at a great price! She is professional and so nice to work with. I highly recommend you call her!
Michelle S.
Michelle S.
17:40 24 May 20
Bill is AWESOME!! I had placed so many errors on my obamacare application and had gotten denied. Everyone knows healthcare in America is soo evil and conniving but this company shows compassion and helps you get the best plan possible!! The heathcare plan we got cost pennies on the dollar and everything was amazing!!! Bill is AMAZING!!!!
Ricardo A.
Ricardo A.
17:39 24 May 20
Bill was awesome !!! He helped my wife and I find great healthcare at a great price. Would recommend 10/10 wish I could rate more than 5 stars.
Jorge B.
Jorge B.
23:54 23 Apr 20
Janet G.
Janet G.
16:38 23 Apr 20
Thank you Sonia for helping me today, I really appreciate the kind and prompt response and results oriented service that Sonia provides. Bill was quick to call me back and follow up on my inquiry. Together Sonia and Bill make an outstanding team. I refer them to my friends and family whenever possible and will continue to spread the word.
Amit B.
Amit B.
19:06 17 Apr 20
The representative that helped me was Sonia.She is very professional and kind, she solve my problem fast and explain me everything that she is doing.Thank you.
Julian E.
Julian E.
16:50 01 Apr 20
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