Florida Medicare Enrollment Period

Missing an enrollment period can mean higher costs for the rest of your life.  To be safe make sure everything is in place during the 7 month period surrounding your 65th.  Getting Parts A&B will automatically qualify you for enrollment in Parts C, D, and Medigap.

• In general, you can enroll in Part A&B during your Initial Enrollment period which is the 7 months surrounding your 65th birthday.  If you don’t enroll during your Initial Enrollment Period you can end up paying more for part B for life.  (Other Part A&B dates are: General Enrollment Period Jan 1st – Mar 31)

• In general, you can enroll in Part C Medicare Advantage and Part D Prescription drug coverage during your Initial Enrollment period which is the 7 months surrounding your 65th birthday.  If you don’t sign up for Part D or Medicare Advantage, or have other “creditable drug coverage”, you can end up paying more for Part D for life. (Other Part C dates are: the Annual Election Period Oct 15 – Dec 7, and the Special Disenrollment Period Jan 1st – Feb 14.)

• In general, you can get a Medigap policy during your 6-month Medigap open enrollment period which starts the month you’re 65 and enrolled in Medicare Part B.  If you miss your enrollment window insurers can deny you Medigap.

 

Medicare Advantage vs. Original Medicare with Medigap: Florida Full Coverage Choices

If you’re concerned that an HMO or PPO health plan will overly limit your care, a Medicare Advantage Plan is not your only option. For a small amount more in your monthly premium you can have the best senior healthcare available. When you keep your Original Medicare and supplement it with  Medicare Part D and supplemental Medicare Insurance, you have full coverage with very few restrictions. Medicare supplement insurance (Medigap) in Florida protects you from the risk of big hospital and doctor bills.  You will be relieved to know that all supplement plan available in Florida are  standard. That means you have the benefit of shopping by best price.

Florida Medicare Advantage Enrollment Options

If you want to enroll in a Medicare Advantage plan available in Florida, you can do so during an enrollment period. Florida seniors turning 65, and those with Medicare Disability, have an Individual Enrollment Period (IEP). Your IEP starts two months before you are eligible and ends two months after eligibility. After that you must enroll or make changes to your plan during the Annual Election Period (AEP), more commonly known as open enrollment. AEP starts 15 October and ends promptly on 7 December.

Enrollment itself is quite easy. Most people in Florida use an independent Medicare Insurance agent such as  Mintco Financial – call 813-964-7100.

Mintco Financial agents are licensed experts who know the details of all of the plans available in your area. Mintco Financial agents will find the best plan for you.

Call now 813-964-7100

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Source: Blog