MEDICARE ADVANTAGE INSURANCE
Florida
Medicare Advantage plans bundle Part A and Part B benefits, and some include prescription drug coverage.
Steve Turner
Insurance Specialist
Serving Florida
Do I Need Medicare Advantage Insurance?
Medicare Advantage, or Part C or MA Plans, is a private company-offered health plan that provides an alternative to Original Medicare. Medicare Advantage Plans include Part A (Hospital Insurance), Part B (Medical Insurance), and typically Part D (Medicare prescription drug coverage).
When considering a Medicare Advantage plan, Medicare Supplement plan, or prescription drug plan, it’s essential to evaluate your healthcare needs and preferences.
Here’s how I can help. Before you enroll in a Medicare Advantage plan, I’ll do a complimentary needs analysis and carefully review the plan’s benefits and costs with you. There’s no obligation to buy anything. After our consultation, if you decide to choose me as your Agent, you won’t have to call an (800) number anymore. If you have questions, concerns, or issues about your Medicare Advantage plan throughout the year, you can contact me directly.
HOW I CAN HELP YOU
Florida
KEY DETAILS
Benefits:
Medicare Advantage plans must cover all the services that Original Medicare (Parts A and B) covers. They may also offer additional benefits, such as prescription drug coverage, dental, vision, hearing services, and fitness programs.
Network:
Medicare Advantage plans typically have a network of doctors, hospitals, and other healthcare providers. You may be required to use providers in the plan’s network or pay more if you go out of network.
Cost:
Medicare Advantage plans may have different costs than Original Medicare. They may charge a monthly premium, and you may also pay out-of-pocket costs, such as deductibles, copayments, and coinsurance.
Enrollment:
You must be enrolled in Medicare Parts A and B to join a Medicare Advantage plan. You can enroll in a Medicare Advantage plan during certain times of the year, such as the Annual Enrollment Period (October 15 – December 7) or during a Special Enrollment Period if you have a qualifying life event.
Coverage:
Medicare Advantage plans may have different rules for coverage than Original Medicare. For example, they may require prior authorization for certain services or treatments.
Advantages
Additional Benefits:
Medicare Advantage plans often include additional benefits beyond what is covered by Original Medicare, such as prescription drug coverage, vision, dental, and hearing coverage, and wellness programs. Some plans also offer transportation to your Doctor, Hospital (non-emergency) and Pharmacy as well as over-the-counter allowances for things like vitamins.
Maximum-out-of-Pocket or (MOOP):
Most Medicare Advantage plans have an annual out-of-pocket maximum, which limits your total out-of-pocket expenses for the year.
For example, let’s say your Maximum-out-of-Pocket is $2,000 and you have a hospital bill that is $100,000. Your total cost for the year would be $2000 and your insurance company pays the rest as long as everything is in-network.
Network of Providers: Medicare Advantage plans have networks of providers, which may help you find providers more quickly and may result in lower costs.
Coordinated Care:
Medicare Advantage plans often provide coordinated care, which means that doctors, hospitals, and other healthcare providers work together to coordinate your care and ensure that you receive the right care at the right time.
Disadvantages
Network Limitations:
Medicare Advantage plans have networks of providers, which means that you may have to choose doctors and hospitals within the plan’s network. If you decide to see a provider outside of the network, you may have to pay higher out-of-pocket costs.
Prior Authorization:
Medicare Advantage plans may require prior authorization for specific treatments or services, which can delay or limit your access to care.
Cost-Sharing:
Medicare Advantage plans often require cost-sharing in the form of copayments, coinsurance, and deductibles, which can add up over time.
Plan Changes:
Medicare Advantage plans can change from year to year, which means that the benefits, premiums, and provider networks may change.
MEDICARE ADVANTAGE INSURANCE AGENT AND BROKER NEAR ME
Florida
As your Medicare Advantage Insurance Agent and Broker serving you in Florida, my goal is to “help you” and ensure, without a shadow of a doubt, that you and your family are secure and protected from risk. As a licensed Medicare Advantage agent, I take the burden off your shoulders by doing a thorough needs analysis and researching the benefits best suited to you and your needs.
I can help you save on severe medical emergencies and find a Medicare Advantage plan that offers low- to no-cost doctor visits, prescription medication, and extra benefits such as dental, vision and hearing, gym membership, and over-the-counter items. I will show you plans where your doctors are in-network and a side-by-side comparison of your prescription costs with the different plans.
Medicare is constantly changing, and I work tirelessly to stay informed about the latest developments in the market. Not a year goes by without new government regulations, new or modified coverages, and new techniques for controlling benefit costs. To best serve their clients, professionals must understand each type of benefit or program’s provisions, advantages, and limitations to meet economic security.
I am a long-standing National Association of Benefits and Insurance Professionals® (NABIP.ORG) member and hold the prestigious Registered Employee Benefits Consultant® designation (https://nabip.org/professional-development/rebc-designation). I can provide information on your market’s availability and any expected changes.
After you choose your Medicare Advantage Insurance plan, I provide ongoing support all year; you won’t have to call an (800) number any longer.
If you have any questions, issues, or concerns about your plan’s benefits, you can contact me via phone, text, or my simple-to-use email contact form using the buttons below.
MEDICARE ADVANTAGE FAQ
Florida
WHAT ME CLIENTS SAY ABOUT ME
Florida
INSURANCE OFFERINGS
Florida
HEALTH INSURANCE
MEDICARE ADVANTAGE
MEDICARE SUPPLEMENT
PRESCRIPTION DRUGS
LIFE INSURANCE
DISABILITY INSURANCE
DENTAL INSURANCE
GROUP HEALTH INSURANCE
ACCIDENT INSURANCE
QUESTIONS? CONTACT ME
I’m here to take your calls and emails and respond to your questions Monday through Friday from 9:00 a.m. to 5:00 p.m., excluding posted holidays.
EMAIL ME: 24×7
OFFICE LOCATION
STEVE TURNER INSURANCE SPECIALIST
14502 N DALE MABRY HWY
SUITE 200
TAMPA, FL 33618
Medicare Annual Enrollment Period is Oct. 15th – Dec. 7th. Steve Turner is not connected with or endorsed by the United States Government or the Federal Medicare Program. Some plans may not be available in your area. Any information I provide is limited to plans offered in your area. Please get in touch with Medicare.gov or 1-800-MEDICARE to get information on all of your options.
