FLORIDA HEALTH INSURANCE

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

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There is no charge to the individual for using the services of a licensed health insurance agent—the commission is entirely paid by the carrier. The carrier is prohibited from selling the policy any cheaper if an individual does not use an agent.

Please be aware that I never share contact numbers or email addresses with anyone and all personal information is kept absolutely confidential.  No one will call you unless you ask to be called and the only person you would talk with is me.  Thanks for visiting.  Please let me know how I can help you.  John K Arnold

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.

News for people on underage Medicare disability.  

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.  

I have information on underage 65 disability Medicare Supplement Plans available.

Medicare Supplement Information Request

Would you like information emailed to you on Medicare Advantage and/or Medicare Supplements and/or Medicare Part D Prescription Plans?  If so, please click the button below to make your request.  This is not a request for an appointment and only if you specifically ask will I call you.   By completing the form you are requesting that I email you information you requested.

Medicare Plan Information Request

Medicare Advantage 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).

How do they work?

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.

Medicare Advantage Plan Types

Medicare Health Maintenance Organization (HMO) Plans
A Medicare HMO plan covers care you receive through a network of local doctors* and hospitals that coordinate your care. Your doctor may already participate in this type of plan. Another type of HMO plan, referred to as a Point of Service plan, allows the use of non-plan or non-preferred providers, but the services rendered by these providers may cost you more.

Medicare Preferred Provider Organization (PPO) Plans
Medicare PPO plans allow you to choose between in-network and out-of-network providers. These plans provide reimbursement for all covered benefits regardless of whether they are received in-network, as long as they are medically necessary. For services received outside of the network, you will generally have higher copayment and coinsurance costs.

* 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

John K. Arnold Insurance, Inc
Florida Health Insurance

Group, Employee Benefits & Individual Health Insurance Specialist
Website Address  www.floridahealthinsurance.com
E-Mail: John K Arnold    

Phone: 407-592-0311
Phone: 888-592-0311
Fax:     407-386-7053
Skype:    john.k.arnold
Twitter:  fl_health_insur

If outside the US, it is best to e-mail as we can respond more quickly.  Thanks.

Please let me know how I can help you with Medicare supplements, Medicare Plans plans, underage 65 Medicare disability and Disability Medicare supplements.  

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*Please note that AARP does not certify nor endorse insurance agents.  Neither John K. Arnold not John K. Arnold Insurance, Inc is employed by or endorsed by AARP.  AARP allows a select group of agents to identify themselves as "Authorized to Offer AARP Branded Products".  AARP and its affiliate are not insurance agencies or carriers and do not employ or endorse insurance agents, brokers, producers, representatives or advisors.

Neither John K Arnold nor John K Arnold Insurance, Inc is connected with or endorsed by the United States government or the federal Medicare program.

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