Medicare Advantage Plans
Please note this is general information only - For Detailed Plan Information Please Use Request Below

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The annual Medicare Advantage and Medicare Part D Prescription plan open enrollment has changed for 2011.  It is from 10-15-2011 until 12-07-2011.   During this period anyone on Medicare whether over age 65 Medicare or under age 65 disability Medicare can sign up for a Medicare Advantage or Medicare Prescription plan.   This is truly an open enrollment period where you have freedom make changes.  In this period you do not need a reason, you just can change because you want to. During this time, AEP, Medicare beneficiaries may change prescription drug plans, change Medicare Advantage plans, return to original Medicare, or enroll in a Medicare Advantage plan for the first time.  Enrollment changes take effect on January 1.

Starting October 1, 2009 Insurance Companies offering Medicare Supplement Plans in Florida must also offer the Medicare supplements to people on Medicare due to disability.   There is a limited open enrollment period.  Please contact me immediately for information on underage Medicare supplements so you can decide if that is best for you.  Please click on the button below to receive information on underage Medicare Supplement plans.  

Medicare Advantage plans are private health plans that generally provide all the coverage of Original Medicare and more. Plus, many Medicare Advantage plans offer lower copayments and cover additional items and services not covered by Original Medicare.

In addition, some plans may include Part D, or prescription drug coverage. These plans are referred to as Medicare Advantage with Prescription Drug (MA-PD).

To be eligible to enroll in a Medicare Advantage or Part C you must be eligible for Medicare Part A and continue to pay your Medicare Part B premium each month, unless it is otherwise paid for under Medicaid or by another party. Medicare then pays the Medicare Advantage plan a specific dollar amount to cover your care each month you are enrolled in the plan. You may not be eligible to enroll in a plan if you have end-stage renal disease (ESRD).

Coverage under a Medicare Advantage plan replaces your Original Medicare coverage. Sometimes you do not have to pay any additional monthly plan premium, for a Medicare Advantage plan. With low to no premiums, your out-of-pocket costs (like those paid to see a doctor or to be admitted to the hospital) under Medicare Advantage plans may be lower than your expenses would be with Original Medicare programs.

* In most cases, if you obtain routine care from out-of-network providers, neither Medicare nor the Medicare Advantage HMO plan will be responsible for the costs.

Important Notice for People On Medicare Advantage MA Plans (Plans that do not include prescription coverage)

A consumer cannot be enrolled in a MA-Only Plan (Medicare Advantage plan without Part D coverage) and keep the stand-alone Prescription Drug Plan (PDP), with the exception of a PFFS Plan without drug coverage or an Medical Savings Account (MSA) plan. The MA-Only enrollment will cause the consumer to lose their stand- alone Prescription Drug Plan (PDP) coverage. If the consumer loses his/her Part D coverage due to the MA enrollment they may be excluded from enrolling in a Part D plan until the next Annual Election Period

Please call or email for information