Medicare Supplement Plans

Medicare Supplemental Plan Specialists

Choosing a Medicare Supplement

Health Insurance Plans can make a huge difference in your life – if chosen wisely! The standardized benefits of Medigap plans mean that you purchase the same coverage every time albeit at different prices.

However, determining which insurance carrier is right for you might be tricky! Keep in mind that you will be paying the carrier a Medicare supplement premium on a monthly basis. Therefore, it is better to do some digging and finding out which ones offer the lowest premium rates.

So, how do you find that out? At Florida Health Agency, we advise our clients to look at the following parameters before taking a decision:

• Rate trend history of the insurance carrier. Go back at least three years and see how big of an annual rate increase the carrier shows. Companies do that so they can keep up with medical inflation. However, unreasonable rate increases can be a red flag.
• Financial ratings are given by companies who research how financially stable each insurance carrier is. Before you make your decision about any insurance carrier, it is better to look at their A.M. Best and Weiss Ratings.

Florida Health Agency offers personalized analyses to each client. Sit down or talk by phone with our experts and let them guide you to the best Medigap insurance carrier in terms of cost, rate trend history, and financial rating and rate trend history. Request your quotes for Optimal Coverage, just click the button below!

Medicare Supplement Plans

Now before you rush off to get the best Insurance Quotes, here are some things you need to know about Medicare Supplement Plans.

• Once you have Medicare Part A and Part B, only then you become eligible for a Medigap policy.
• These are individual policies – one policy per person.
• Drop out of your supplement whenever you want since they don’t have an annual election period.
• No health condition can keep you from renewing your supplements.
• Look for carriers offering household discounts and buy your Medicare supplement plans from such a company—-

Advantages of Medigap

Health Insurance Companies Access to Doctors on Medigap Plans

Another great feature is that they enable you to see any doctor that participates in Medicare. You will have access to hundreds of thousands of providers across the United States.

Visiting a doctor is easy with Medigap plans because it doesn’t matter which insurance company your Medigap plan is through. As long as the doctor accepts Medicare, he will accept your Medicare supplement too.

People often get confused about this because there are other types of plans, called Medicare Advantage plans, which require you to use networks.  As long as you stay with Original Medicare, then you can see any doctor who participates in Medicare. Around 93% of all U.S. primary care physicians accept Medicare.

We provide annual reviews to ensure that your associated PDP Drug Benefit is well suited based upon your current choice of pharmacies and medications.

In addition, we stand ready to assist in acting on your behalf in case you have any billing issues which may occur either between you and Medical Service Providers or with the insurance company you choose.

We are large enough to be staffed to be of assistance year round!

Medicare Supplement Specialists

Health Insurance can quickly become complicated but with Florida Health Agency specialists by your side, you won’t have to worry about a thing.

Let us walk you through each standardized plan of Medigap one by one. Identified by different letters, you can choose between Medigap Plans A, B, C, D, F, G, K, L, M, and N. You can buy your plan from a different insurance company but the plans would remain the same! The only difference would be the monthly premium that you pay for a plan.

So, shop around until you find a carrier offering Affordable Health Insurance.