If you or a loved one need help understanding your Medicare coverage options, call 786-222-7028 today.

We are Licensed Independent Insurance Agents based in Southwest Florida and are contracted with mulptiple different Insurance companies that offer Medicare plans. These Medicare plans are offered locally and throughout the state with local and/or Nationwide coverage. We can guide you through the Medicare maze and help you enroll in the Medicare plan that is the best fit for you.

Medicare Supplement Plans: Filling the Gaps

Medicare Supplement Plans, also known as Medigap plans, are private insurance policies that can help fill in the gaps in Original Medicare coverage. These plans can help protect you from out-of-pocket costs associated with Medicare.

What Medicare Supplement Plans Cover

Medicare Supplement Plans can help cover costs such as:

• Hospital deductibles and copays
• Doctor's visits
• Prescription drug deductibles and copays
• Bloodwork and lab tests
• Foreign travel emergency coverage

Types of Medicare Supplement Plans

There are ten standardized Medicare Supplement Plans, labeled A through L. Each plan offers a different level of coverage. Plan A is the most basic, while Plan L offers the most comprehensive coverage.

Choosing the Right Medicare Supplement Plan

When choosing a Medicare Supplement Plan, consider the following factors:

• Your health status: If you have chronic health conditions, you may need a plan with more comprehensive coverage.
• Your budget: Compare the premiums and deductibles for different plans to find one that fits your budget.
• Your lifestyle: If you travel frequently or need to see out-of-network providers, a plan with broader coverage may be beneficial.

Cost of Medicare Supplement Plans

The cost of Medicare Supplement Plans varies depending on your age, location, and health status. Premiums typically increase with age.

Medicare Advantage vs. Medicare Supplement Plans

If you're eligible for Medicare, you have the option of choosing a Medicare Advantage plan or a Medicare Supplement Plan. Medicare Advantage plans combine Parts A and B of Original Medicare and often include additional benefits, such as prescription drug coverage and vision care. However, Medicare Advantage plans have a limited network of providers.

Tips for Getting the Most Out of Your Medicare Supplement Plan

• Shop around for the best price: Compare quotes from different insurance companies.
• Read the fine print: Understand the terms and conditions of your plan.
• Take advantage of preventive care: Many Medicare Supplement Plans cover preventive care services at no cost.
• Review your plan regularly: Your needs may change over time, so it's important to review your plan periodically to ensure it still meets your needs.

Conclusion

Medicare Supplement Plans can provide valuable coverage to help you fill in the gaps in Original Medicare. By understanding the different types of plans, the factors to consider when choosing a plan, and the costs involved, you can make an informed decision and ensure that you have the coverage you need.