What is a Medicare Supplement?
A Medicare Supplement Insurance also referred to as Medigap, is a policy designed to help pay part of the health care costs that were left uncovered by the Original Medicare, such as deductibles, co-insurance and co-payments
Unlike Original Medicare, a Medigap plan is offered via private insurance providers, and you will be required to pay the monthly Medicare Part B premium. Medigap policies must follow state and federal laws that are designed to protect you. If you currently have Original Medicare and you purchase a Medicare Supplement, here’s what happens:
- Your Medicare pays its approved share of the amount of money for covered healthcare expenses
- Then, the Medicare Supplement pays its part
What Is Not Covered by Medicare Supplement Plans?
Medicare Supplements don’t cover the following supplies and health services.
- Hearing aids
- Prescription drugs
- Eyeglasses
- Dental care or routine vision
- Long-term care (care in an assisted living facility or nursing home)
- Private-duty nursing
- Union or employer plans, including the FEHB Program
- Veterans’ benefits
- Insurance policies related to long-term healthcare
- Indian Health Services
- Medicaid
- TRICARE
What Do You Need to Know About Medigap Policies?
- In order to qualify for a Medicare Supplement, you are required to have Original Medicare Part A and B.
- In case you have a Medicare Advantage Plan, you are eligible for Medigap policy application. However, make sure to leave behind the Advantage Plan prior to staring the Medigap policy.
- You make payments to the private company on a monthly basis for your Medicare Supplement policy. You pay this monthly premium aside from the monthly Part B premium that is paid to the Medicare.
- A Medicare Supplement only covers a single person at one time. If you and your partner need Medicare coverage, you will each have to buy individual policies.
- You can purchase a Medicare Supplement policy from any insurance company that has the license to sell one in your state.
- Premium charges may differ on the basis of location and plan, even for the same benefits.
- Generally, Medicare Supplement plans are guaranteed renewable for, provided that you continue paying your premium.
- It is illegal for anyone to sell you a Medicare Supplement Insurance if you currently have a Medicare Medical Savings Account Plan.
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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. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Medicare has neither reviewed nor endorsed this information.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options.
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Lighthouse Point, FL 33064
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Ed G.
20:39 07 Jan 23
If you are looking for an intelligent and knowledgeable insurance agent who will answer every question, and provide AMAZING service, look no further. Gio is by far the best agent we have ever found. Interview Gio before working with anyone else. She goes above and beyond, and truly cares. We would rate her a 10, not 5!!! Adrienne and Ed Greenfield, Naples, Fl 
Holly J.
01:22 29 Nov 22
Priscilla was amazing and so helpful! I was lost on how to obtain insurance and she knew exactly what I needed. Highly recommend! 
George M.
17:36 24 Nov 22
To whom it may concern -Bill Kohn is the upmost professional and has been instrumental in landing the perfect health insurance for my well being. He’s been methodical and articulate in explaining all options leaving no stone unturned. It’s been such a great pleasure to work with Bill and his team and knowing I can always count on him to navigate any questions I may have with current and future plan coverage. Bill is truly the best in the health insurance business!! Sincerely George Malave 
ROBERT A.
15:40 22 Nov 22
Joel Antonio F.
19:34 21 Nov 22
São pessoas idôneas e gentis, nota 1.000(mil) pra todos eles. A Senhora Gio é muito eficiente e paciente, me atendeu muito bem e explicou todas as minhas dúvidas, excelente profissional, como também todos os demais... 
edna X.
14:09 18 Nov 22
Lucas B.
05:20 16 Nov 22
Jumbo S.
14:26 15 Nov 22
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. 
Telma W.
20:25 14 Nov 22
It was awesome . Priscila is a very profissional and take a good care of everything, specially when we talk about family. My wife love her .Thank you Pricila ! 
Angela A.
20:25 14 Nov 22
Tatiane G.
03:47 14 Nov 22
My husband and I were assisted by Gio Sartor in selecting our health plan and we are very satisfied with here work. From day one she has always been charismatic, super attentive and patient. She explained every detail of the plans to us and we were able to find a plan that fit our needs.I recommend her services to anyone looking for a competent and committed Insurance Agent!Eu e meu marido fechamos nosso plano de saúde com a Gio Sartor e estamos muito satisfeitos com tudo. Desde o nosso primeiro contato até hoje, ela sempre foi carismática, super atenciosa e paciente. Nos explicou cada detalhe dos planos, até acharmos o que procurávamos.Recomendo para todas as pessoas que procuram uma Insurance Agent competente e comprometida com o que faz! 
Autumn R.
02:39 11 Nov 22
To say Gio has gone above and beyond in her assistance would be an understatement. She is truly one of the kindest persons I have ever encountered. She has gone out of her way to make sure my family and I are taken care of. I cannot recommend her and this organization enough! 
ANA LUCIA M.
19:04 10 Nov 22
I've been renewing my Obama care and travel insurance with Priscilla for a few years now. Excellent professional, always with answers to your questionsI recommend to friends !! 
Antuanet R.
19:28 09 Nov 22
Gio is the best health agent!!She help my family and I to find your right health insurance.Thank you for all your work 💗 
Sandra G.
00:00 06 Nov 22
Elza T.
23:56 31 Oct 22
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!!⭐️⭐️⭐️⭐️⭐️Super recomendo a Sra Gio Sartor , para encontrar o melhor plano de saúde.Miss Gio Sartor you are the best!❤️🙏Thank you!❤️🙏 
Maíra de Melo R.
03:39 25 Oct 22
Só posso dizer que Deus encaminhou uma pessoa super humana, prestativa, atenciosa, rápida e super profissional. Gio Sartor sempre te responde prontamente para qualquer dúvida ou necessidade e mesmo sem nem a agência ser registrada com a companhia de seguro, ela prontamente me ajudou com todo o processo! Que Deus te abençoe Gio e que te dê muitas vezes mais e te prospere em toda as áreas de sua vida! Obrigada.I can only say that God sent a super human, helpful, attentive, fast and super professional person. Gio Sartor always responds promptly to any questions or needs and even without the agency being registered with the insurance company, she promptly helped me with the whole process! May God bless you Gio and may he give you many times more and prosper you in all areas of your life! Thank you. 
Phyllis P.
21:03 11 Oct 22
I have been with Florida Health Agency (Bill Kohn) for 8 years and can't say enough good things about their company. He not only helped me navigate Medicare when my husband died but also helped me with my special needs daughter's insurance as well. Now both my son's have joined the fan club. Thanks again for your infinite patience. 
Diane R.
15:57 10 Oct 22
Each year William and I discuss my best options for my drug plan. It all all seemed overwhelming until I spoke with William.The staff at Florida Health Agency was very helpful, but William was amazingly patient, knowledgeable,and kind. I've sent friends and relatives to him as well. 
Daniela M.
21:03 07 Oct 22
Cristina's service was wonderful. I had already requested a quote with other people but I chose to close with Cristina because she explained in detail everything I needed to know. I highly recommend! Thank you! 
Tatiana W.
16:17 06 Oct 22
Priscila super recomendo, super atenciosa. Me ajudou e ajuda sempre que preciso.Uma gracinha 🥰 
Luciana D.
01:00 27 Sep 22
Gil foi incrível. Muito profissional e acessível. Procurou corresponder às nossas expectativas com responsabilidade e profissionalismo. Ela foi muito técnica. Ela demonstra gostar do que faz. Eu super recomendo. 
Roberta B.
22:08 09 Sep 22
Fui muito bem atendida pela Priscila que sanou todas as minhas dúvidas e me ajudou a escolher o melhor plano de saúde para a condição atual da minha família. 
Pedro M C.
14:19 06 Sep 22
Priscilla was incredibly helpful! She helped me to find the best insurance for me and my family! 
Carmelia355
13:56 05 Sep 22
I have been coming to the office for years. They are very efficient, they make sure you get the best offer for your family. Priscilla was great. I would highly recomment them. 
Collin H.
15:49 27 Jul 22
Priscilla Ribeiro was incredibly helpful and a joy to work with. Thank you to her! 
LUCIANO B.
09:25 01 Jul 22
Liz H.
16:47 13 Jun 22
If I could give William Kohn of Florida Health Agency 10 Stars I gladly would. I was literally in despair over the quality of healthcare that I was getting for my special needs daughter and just called his agency because he was close by and maybe I could go in and get a few minutes of time and advice on a new plan. He gave me all the time I needed over the phone and literally sat with me and made critically important changes as we spoke. My husband & I will be using his agency and expertise for the rest of our family members and will refer him to all our friends and associates.Thank you, William!! 
DELEI P.
20:12 10 Jun 22
Super top Priscilahelped me in everything I neededand when I needednumber 1champion 
Mia C.
18:49 18 May 22
Atendimento maravilhoso! Fui atendida pela Pricila, e ela foi super legal comigo. Recomendo pois me ajudou muito a resolver meu problema com seguro!Pricila helped me a lot. She is very professional and kind. I highly recommend her! 
Annie N.
21:04 18 Apr 22
I worked with Gio and she was amazing! Thank you so much for your help and I definitely highly recommend her! 
Dennis C.
21:20 15 Apr 22
Karoline M.
20:02 15 Apr 22
I almost lost hope of finding the right plan after talking to other agencies. From the moment I first contacted Florida Health Agency, Priscilla was super kind! She replied to my e-mail within minutes and I was so glad to have found a Brazilian agent who understood my situation. She was caring, patient, and knowledgeable. Priscilla made me feel comfortable and answered all my questions. I am so grateful for her help and I recommend her 100%! 
Michael M.
22:50 28 Mar 22
Bill is absolutely a gem to work with. He really saved my family a LOT of time, effort, energy, and most importantly, money by finding my son a health care plan that keeps our services in network. I cannot say enough wonderful things about Bill! 
Tina D.
19:25 17 Mar 22
Knowledgeable, friendly, & always available. I have been with Bill Kohn & his associates for at least 10 years and wouldn't have it any other way. All of my questions & concerns were answered.What a great family atmosphere. The Best!!! 
Yin Yin S.
15:15 17 Mar 22
Priscilla provided professional and quality service. She was extremely friendly and knowledgeable of her work. 
Renata B.
00:58 08 Mar 22
Gostaria de registrar o ótimo atendimento da Gio Sartor , um atendimento excelente, muita paciência em explicar todos os detalhes , esclarecer todas as duvidas , com certeza vai ser muito bem recomendada para meus amigos . SUPER INDICO 
Linda T.
17:18 07 Mar 22
I spoke to Florida health agency about 2 yrs ago asking about different insurances that I needed at the time. I was shocked at how knowledgeable William Kohn was. I saved his number and knew I would need him someday when I got ready to retire. He told me things that the 3 other agents I had spoken to never told me. For example no one told me there was a Medicare supplement plan G with a high deductible. This plan was exactly perfect for me. He is also very responsive when I have a question. I am so grateful I saved his number from the original phone call. He knows all aspects of insurance and the companies involved with them. 
Bruna juliana V.
22:06 24 Feb 22
Priscilla was amazing help in regards to navigating best options that best meets your needs when it comes to insurance; Highly recommend her if your are navigating insurance options! 
Alicja B.
01:50 09 Feb 22
Bill Kohl was the best thing that has happened to our family in a while!I’m taking care of my father who has dementia. My Dad lived abroad and recently I moved him to US to live with me. He’s not Medicare eligible and my work insurance rejected him even though my Dad is my legal dependent.Bill found a perfect health plan for him! He researched doctors who speak my Dad’s native language ( as dementia progresses my Dad starts to forget English) and matched the plan to the provider.Bill also researched available subsidies that my Dad would qualify for!Bill is good hearted human being. He made our family very happy.Thank you Bill Kohl, from me and my Dad. 
Marcela P.
19:07 08 Feb 22
Amei o atendimento da Priscilla! Sempre muito atenciosa, paciente e interessada em encontrar a melhor opção de acordo com as minhas necessidades. Super indico!!! 
Angel C.
15:45 28 Jan 22
Glen A
18:56 26 Jan 22
I worked with Gio and she was a fantastic resource! I came in with a complex multi-state health insurance scenario that needed to be resolved quickly. Gio worked tirelessly and sorted through the mess quickly and provided the right options and then helped apply and secure a plan. She was very responsive on email as we sorted out questions and issues. Everything was resolved in days! I highly recommend Gio and Florida Health Agency. 
Viviana D.
15:25 21 Jan 22
I'm very happy to have you as the team that is working with my insurance needs.Bill had helped me so many times and in so many ways and I appreciate it very much! 
Valquiria B.
21:00 20 Jan 22
Kat
22:51 14 Jan 22
Gio is wonderful! She really takes the time to explain everything and makes sure you get the best coverage possible.Thank you!! 
Bela L.
20:14 14 Jan 22
mike C.
17:25 11 Jan 22
PAES PAES P.
00:49 06 Jan 22
Lila C.
23:25 03 Jan 22
Gio Sartor is a great professional. She is super helpful, solved all my problems quickly and efficiently. I highly recommend her! 
ralph s
19:51 27 Dec 21
Power Couple W.
21:53 20 Dec 21
Kaya S.
18:39 19 Dec 21
Gio Sartor was very kind and informative and compared multiple options before helping me decide on a plan that would work best for me. Thank you!! 🙂 
Sandra D.
00:16 19 Dec 21
I couldn't be more thankful for the great support of the agent Gio Sartor, she explained all the benefits of the insurance, helping me to find the best one to fit my needs. Highly recommend. 
Thiago S.
16:03 17 Dec 21
Atendimento excepcional.Nos deixa aliviados ter um plano de saúde nesta época quando a pandemia 😷 nos tem encarcerados em nossas casas e trabalho. O atendimento dado pelo telefone 📞 é como se vc estivesse no escritório. Tudo explicado, nenhuma dúvida e o melhor: vc sai com seu plano de saúde 🥂. De uma coisa eu tenho certeza vc será bem atendido. Muito obrigado 😊 Gio. 
Maria F.
04:15 17 Dec 21
Eloah P.
17:11 14 Dec 21
She is very patient and kind. Second year in a roll she is my agent and I really recommend her. Very professional 
Jackie N.
05:46 14 Dec 21
After looking at health insurance on my own, I realized I needed help! Gio, was the sweetest and extremely helpful in assisting me with selecting the best plan. She truly takes interest in what is best for you! She was extremely patient and knowledgeable as we worked through my options. Overall a great experience.Você é um amor de pessoa, xo.Muito obrigada Gio Sartor! 
Andy Dantas J.
16:31 08 Dec 21
Feedback in proper time. That’s a challenge for many business on customer service and Priscila was wonderful about it. I highly recommend. 
Julio R.
21:35 07 Dec 21
Atendimento muito profissional, a Priscila da Florida Health Agency muito gentil eu recomendo. 
Eli P.
22:05 01 Dec 21
wilmacsmith
17:04 29 Nov 21
Rozi T.
23:10 24 Nov 21
Fui atendida na Flórida Health Agency pela Gio Sartor, que atendimento incrível, super professional, extremamente competente, atenciosa, e ao mesmo tempo carinhosa!! Sai de lá tão feliz e satisfeita, super indico! 
candi G.
23:25 23 Nov 21
Gracias por la ayuda brindada para poder coger nuestra cobertura medica que mas se adapte a nuestra nesecidades a sido muy amable en responder todas nuestra dudas muchas gracias 
MCristina A.
20:17 22 Nov 21
Sandra N.
00:25 20 Nov 21
Katarina K.
02:09 18 Nov 21
My family’s situation with insurance is complicated and before calling Florida Health Agency I had already lost hope of finding a plan for our case but after one long call, Priscilla Ribeiro found the best insurance coverage satisfying everything my family needs. The best service I’ve ever received. Very understanding, professional and helpful. Thank you! 
Adriana S.
19:15 11 Nov 21
armen G.
15:39 11 Nov 21
Gio was very helpful and attentive. She made the process much less painless. 
Stacy S.
19:20 10 Nov 21
Working with Bill Kohn made this process so much easier for me. He was extremely professional and kind when I had a million questions. I would recommend him for sure! 
Hodge A.
16:52 09 Nov 21
Explain things well very helpful and makes the process smooth I like working with William kohn and gio sartor very helpful . Gio sartor goes out the way to make sure you are covered and everything is in order .she's really good at what she does very outgoing person and great personality. 
Eduarda M.
00:12 09 Nov 21
Mark C.
22:45 07 Nov 21
Fantastic, top notch experience working with William Kohn. He has comprehensive knowledge of the medical insurance industry and the innumerable plans available. Could not have found the optimum plan for my family without him. 
Cynara S.
15:57 07 Nov 21
Eu recomendo demais o Florida Health Agency, especialmente minha agente Gio Sartor, uma mulher maravilhosa, super atenciosa, super ágil com relação a responder todas as minhas perguntas pessoalmente e via Whatsapp, e olhe que eu tive muitassssss perguntas. A Gio Sartor me ajudou a escolher o plano perfeito para mim (planos de saúde, visão e odontológico). Ela é muito paciente e respondeu com clareza todas as minhas perguntas, ficou comigo umas duas horas escolhendo e respondendo minhas perguntas no escritório dela. Dias depois que escolhi meus planos com a ajuda dela, ela ainda ficou me esclarendo via whatsapp e telefone mais algumas dúvidas que tive durante mais alguns dias. Eu não poderia ficar mais feliz com a escolha que fiz de fechar meus planos com essa agência. Recomendo demais! Cynara (Novembro 2021). 
Erika B.
22:18 03 Nov 21
I would like to say that Gio Sartor is a amazing agent. She is always ready to respond to us and provide any necessary support. 
tulio O.
17:23 02 Nov 21
Geruza S.
01:14 02 Nov 21
Sfalsin T.
00:21 02 Nov 21
Susan C.
20:08 30 Oct 21
Viviane S.
00:06 30 Oct 21
A Gio foi espetacular em me ajudar a encontrar o melhor plano para mim. Sempre muito atenciosa e profissional. Encontrar um plano de saúde correto pra você pode ser muito complicado e demorado, e a Gio fez questão de saber se eu estava entendendo tudo e se estava dentro do que eu estava procurando. E quando o processo terminou, ela fez questão de verificar se estava tudo correto e a aplicação finalizou. Profissional super competente.🙌🙌🙌 
Megan P.
21:44 29 Oct 21
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