2018 Florida Medicare Enrollment Specialist

Florida Medicare Open Enrollment 2018 begins in October. 

Original Medicare consists of Part A hospital insurance and Part B medical insurance (for physician services, outpatient care, and lab tests).

These programs are administered directly by the federal government and have standardized services, premiums, and deductibles.

Two additional forms of coverage are offered by Medicare-approved private insurance companies and have varying premium costs and benefits.

Part C Medicare Advantage is an alternative to Original Medicare, and plans often include prescription drug coverage and other benefits. (Participants must still pay Part B monthly premiums.)

Part D Prescription Drug Coverage can be purchased by people who have Original Medicare or Medicare Advantage Plans that do not offer drug benefits.

Those enrolled in Original Medicare also have the option of purchasing Medicare Supplement Insurance (Medigap), which is offered by private insurance companies.

Medigap insurance helps cover out-of-pocket costs such as deductibles, copays, and coinsurance (up to plan limits).

When is Florida Medicare 2018 Open Enrollment?

Medicare’s Open Enrollment is always October 15 -December 7. The effective date of the plan will always be January 1.

You should be aware of what coverage you have and where you should make changes.

Giving that the shopping and enrollment season will be cut in half this year it is ever more important to get organized ahead of time for the key things that folks need in a plan by putting together two lists.

One, with the names and contact information for their doctors and health care providers.

The second with accurate medication names and dosage information.

Start with your doctors. Ask them what plans they will participate in. Then look at those plans to see if and how much of your medications are covered.

Get organized early in the fall so that they can hit the ground running Nov. 1.

As the Medicare open enrollment period approaches, it is a good idea for seniors to review their options carefully, taking into account what matters most to them, whether choosing between Medicare Advantage and traditional Medicare, or among the various Medicare Advantage or stand-alone Part D plans offered in Florida.

Medicare Advantage plans vary in a number of ways — not just premiums which are relatively easy to compare, but also in cost-sharing for different services, extra benefits, prescription drug coverage and in provider networks.

Prescription drug plans also vary. Seniors can sometimes save a bundle, and avoid unpleasant surprises, by comparing plans.

Mintco Financial Florida Medical Specialist CALL 813-964-7100

Compare Medicare Supplemental Plans HERE 

Need to Enroll in Medicare? Contact us!

Questions about your Medicare Plan? Call us at 813-964-7100 or email us at info@mintcofinancial.com