Medicare Part A Insurance
Steve Turner Insurance Specialist offers you, your family and your business the complete array of Insurance Services you need to protect and provide for their Medicare Part A Insurance needs!
My goals are to (1) Listen to you tell me about your insurance needs, budget, and the outcome you require, and (2) Educate you on your various options, and (3) Setup the insurance plans you have selected and get your insurance coverage established.
Not sure what what type of insurance is best for your personal, family, or business? No worries! Most of my clients aren’t sure when they first reach out to us. I’ll discuss with you all your insurance options pro’s and con’s so YOU can make the choices that fit your budget.
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Medicare Part A Insurance
Medicare Part A Insurance
As a Florida-based independent insurance agent with many years of experience, I must first clarify a crucial point: there are no “Medicare Part A Insurance Plans” that agents or private companies offer. Medicare Part A is a federal benefit for hospital insurance that you are entitled to through the government, typically premium-free. What we, as expert agents, do offer are the private insurance plans specifically designed to manage and cover the significant out-of-pocket costs that come with your Part A benefit, such as the large hospital deductible and daily coinsurance.
Our service is to help you choose the best of two primary solutions to protect yourself from these costs: Medicare Supplement (Medigap) Plans, which pay after Original Medicare, or Medicare Advantage (Part C) Plans, which replace Original Medicare with a private plan that has its own cost structures. When choosing an agent, it is essential to ask them to clearly explain the difference between how these two types of plans cover a hospital stay. You must inquire if they are an independent agent who can offer plans from multiple carriers and what their process is for a needs analysis to help you decide which path is right for your health and financial situation.
Medicare Part A Insurance Plans We Offer: A Florida Expert’s Guide to Protecting Yourself from Hospital Costs
As a Florida-based Medicare expert with many years of experience, one of the first and most important conversations I have with new clients often starts with a simple question: “Which Medicare Part A plan should I choose?”
It’s an understandable question, but it’s based on a common point of confusion. The simple truth is, you don’t choose a Part A plan. Medicare Part A is your federal Hospital Insurance benefit, something you’ve earned through years of paying Medicare taxes. It’s not a commercial plan offered by insurance companies.
The real, critical choice you must make is how you will protect your retirement savings from the significant out-of-pocket costs—like large deductibles and daily hospital charges—that Part A leaves behind. This is where we, as independent agents, come in. Our service isn’t to “offer” you Part A, but to provide you with the expert guidance and the private insurance solutions specifically designed to cover those costs.
This guide will serve as your comprehensive resource. First, we will demystify what your government Part A benefit covers and, more importantly, what it costs you. Then, we will detail the private insurance solutions we offer to protect you from those costs. Finally, we will arm you with the essential questions you must ask to choose the right agent to be your trusted guide in this critical decision.
Part 1: Demystifying Medicare Part A – Your Federal Hospital Benefit (And Its Costs)
Before you can choose a plan to cover the gaps, you need to understand the gaps themselves. Medicare Part A is your hospital insurance.
What Part A Covers:
- Inpatient Hospital Stays: This includes a semi-private room, meals, nursing services, and drugs administered as part of your inpatient treatment.
- Skilled Nursing Facility (SNF) Care: This is short-term, rehabilitative care after a qualifying 3-day inpatient hospital stay. It is not long-term nursing home care.
- Hospice Care: Comprehensive comfort care for individuals with a terminal illness.
- Some Home Health Care: Medically necessary, part-time skilled care at home.
The Significant Out-of-Pocket Costs of Part A (The Problem We Solve):
The costs below are based on a “benefit period,” which begins the day you’re admitted as an inpatient and ends after you’ve been out of the hospital or SNF for 60 consecutive days. You can have multiple benefit periods in a single year. For 2025, the projected costs are:
- Part A Hospital Deductible: You pay ~$1,680 for each new benefit period. This covers your first 60 days in the hospital.
- Daily Hospital Coinsurance: For days 61-90 of a hospital stay, you pay ~$420 per day.
- Lifetime Reserve Days Coinsurance: For days 91 and beyond, you tap into your 60 lifetime reserve days and pay ~$840 per day.
- Skilled Nursing Facility Coinsurance: For days 21-100 in an SNF, you pay ~$210 per day.
As you can see, a single, prolonged hospital stay could easily cost you tens of thousands of dollars. Our job is to find the best plan to protect you from this risk.
Part 2: The Solutions We Offer – Private Plans to Manage Your Part A Costs
As an independent agency, we offer the two primary solutions that Florida residents use to manage the high costs of Medicare Part A. Your choice between these two paths will define how you receive your healthcare in retirement.
A. Medicare Supplement (Medigap) Plans: The “Freedom and Predictability” Solution
A Medigap plan is a private insurance policy that works with your Original Medicare. It pays for the costs that Medicare leaves behind.
- How It Works: You will have your red, white, and blue Medicare card (for Part A and B) and a separate card for your Medigap plan. When you go to a hospital, you show both cards. Medicare pays its share first, and then it electronically sends the remaining bill to your Medigap plan, which pays its share.
- How It Covers Your Part A Costs: This is where Medigap plans shine. The most popular plan for new beneficiaries, Plan G, will cover your Part A costs almost completely. This means:
- Your large ~$1,680 Part A deductible is paid for.
- Your daily hospital coinsurance is paid for.
- Your lifetime reserve days are paid for, and you get an additional 365 hospital days covered at 100%.
- Your daily SNF coinsurance is paid for.
- The Key Benefit for Floridians: The biggest advantage of this path is freedom of choice. You can see any doctor or visit any hospital in the entire United States, as long as they accept Original Medicare. There are no networks and no referrals needed. This is the ideal solution for “snowbirds” who live in Florida part-time or anyone who travels frequently. In exchange for this freedom and predictability, you will pay a monthly premium to the Medigap insurance company.
B. Medicare Advantage (Part C) Plans: The “All-in-One” Solution
A Medicare Advantage plan is a private insurance alternative to Original Medicare. It is an “all-in-one” plan that bundles all of your benefits together.
- How It Works: When you join a Medicare Advantage plan, you put your red, white, and blue Medicare card in a drawer. You will use the ID card from the private insurance company (e.g., Humana, UnitedHealthcare, Aetna) for all of your medical services. The private plan receives a fixed payment from Medicare each month to manage your care.
- How It Covers Your Part A Costs: Instead of paying the Part A deductible and coinsurance, you will pay the plan’s specific cost-sharing for a hospital stay. For example, a common plan structure in the Tampa Bay area might be a copayment of $350 per day for the first five days of a hospital stay, with $0 for each day thereafter.
- The Built-in Safety Net: Every Medicare Advantage plan has an annual Maximum Out-of-Pocket (MOOP) limit. This is the absolute most you will pay in a calendar year for all of your Part A and Part B covered services combined. In 2025, this limit can be up to $8,850, but many plans in Florida have much lower limits. This provides crucial protection against catastrophic costs.
- The Key Benefit for Floridians: The Medicare Advantage market in Florida is highly competitive, which is great for consumers. This leads to many plans with a $0 monthly premium and a rich package of extra benefits, including comprehensive dental, vision, hearing, prescription drug coverage, and gym memberships, all in one plan. The trade-off is that you must generally use the plan’s local network of doctors and hospitals.
Part 3: Our Service Process – A Partnership for Your Healthcare Journey
Our goal is to be more than just an insurance agency; we want to be your trusted, lifelong advisor for all things Medicare. Our service process is designed to be educational, thorough, and completely focused on your best interests.
- The Educational Consultation: We start with a no-cost, no-obligation meeting to educate you on these foundational choices. We will never push you toward one path or another; our job is to give you the clear, unbiased information you need to make a confident decision.
- The Comprehensive Needs Analysis: We take the time to listen. We’ll discuss your health status, your budget, your risk tolerance, your travel plans, and, most importantly, we will compile a complete list of your doctors, hospitals, and prescription medications.
- The Unbiased Market Analysis: As an independent agency, we are appointed with all the major, top-rated carriers in Florida. We use our expert tools to analyze every single Medigap and Medicare Advantage plan available in your specific zip code.
- The Clear Recommendation & Enrollment: We will present you with the top 2-3 options that are the best fit for you, explaining the pros and cons of each in simple terms. Once you’ve made a decision, we handle the entire enrollment process for you, ensuring all paperwork is submitted correctly and on time.
- Lifelong Support: Our relationship doesn’t end after you enroll. We are your advocate. If you have a question about a bill or a problem with a claim, you call us. Every year during the Annual Enrollment Period, we proactively contact you to review your coverage and ensure it’s still the best plan for you in the coming year.
Part 4: The Ultimate Vetting Checklist – 10 Questions to Ask Any Medicare Agent
Choosing the right agent is just as important as choosing the right plan. Here are the ten essential questions you should ask any agent you consider working with.
1. “Can you clearly explain the difference between how a Medigap plan and a Medicare Advantage plan would cover a 10-day hospital stay?”
- Why it matters: This tests their fundamental knowledge. They should be able to explain the Medigap scenario (you pay your small Part B deductible, the plan pays the large Part A deductible and all other costs) versus the Advantage scenario (you pay a set daily copay for a certain number of days).
2. “Are you an independent agent, or are you ‘captive’ to one specific insurance company?”
- Why it matters: This is the most important question. A captive agent can only show you their company’s products. An independent agent works for you and can show you options from across the entire market.
3. “How many different insurance carriers are you certified and appointed with here in Florida?”
- Why it matters: This speaks to the breadth of their portfolio. An agent appointed with 10-20 or more carriers can offer you a true, unbiased choice.
4. “Is there any cost for your services, either now or in the future?”
- Why it matters: The answer must be “no.” Agents are compensated directly by the insurance companies when they help a beneficiary enroll. You should never be charged a fee for an agent’s help.
5. “What is your process for reviewing my plan each year to make sure it’s still the best fit?”
- Why it matters: This separates a transactional salesperson from a true relationship-focused agent. A great agent will commit to providing proactive, annual reviews.
6. “If I choose a Medigap plan, how do you help me choose a carrier based on their rate increase history and financial stability?”
- Why it matters: This is a sophisticated Medigap question. Since the benefits are standardized, the key long-term differentiators are price and rate stability. An expert will have access to this historical data.
7. “If I choose a Medicare Advantage plan, what is your exact process for verifying that my preferred hospitals, like a local one such as AdventHealth Tampa, and all my specialists are in the plan’s network?”
- Why it matters: This tests their diligence. A great agent will never assume; they will use the insurance company’s official provider directory to meticulously check every single one of your doctors and hospitals.
8. “How do you advise clients who are ‘snowbirds’ and spend part of the year outside of Florida?”
- Why it matters: This is a critical Florida-specific question. An expert will be able to clearly articulate why a Medigap plan is often the superior choice for frequent travelers due to its nationwide coverage.
9. “What ongoing support do you provide if I have a question about a hospital bill or an Explanation of Benefits?”
- Why it matters: This tests their commitment to being your advocate. You want an agent who will be in your corner long after the sale is made.
10. “Why should I work with a local agent like you instead of just calling the 1-800 number on TV or enrolling directly online?”
- Why it matters: This asks them to directly state their value proposition. A great agent will explain that they provide personalized, local expertise, a wide range of choices, and serve as your personal advocate for life, which is something a national call center or a single company cannot offer.
Part 5: Red Flags vs. Green Lights – Making Your Final Choice of Agent
🚩 Major Red Flags to Run From 🚩
- High-Pressure Sales Tactics: Anyone who tells you that you “must decide today.”
- Represents Only One Company: They are a captive agent, not an independent broker looking out for your best interests.
- Dismisses Your Doctors: An agent who says “don’t worry, your doctors are probably in the network” without verifying them.
- Pushes One Type of Plan: An agent who only pushes Medicare Advantage plans or only pushes Medigap plans, without first conducting a thorough needs analysis.
✅ Bright Green Lights to Look For ✅
- An Educational, Patient Approach: They focus on teaching you your options, not selling you a plan.
- Represents a Wide Range of Carriers: They are truly independent and can offer you a real, unbiased choice.
- Performs a Detailed, Personalized Needs Analysis, including a meticulous check of your doctors and prescriptions.
- Commits to a Lifelong Relationship with ongoing annual reviews and dedicated support.
Your Final Decision
Protecting yourself from the potentially catastrophic costs of a hospital stay under Medicare Part A is one of the most important healthcare and financial decisions you will make as you enter retirement. But it’s a decision you do not have to make alone.
By partnering with a knowledgeable, independent, and dedicated agent, you gain more than just an insurance plan; you gain a trusted advisor who can simplify the complex, provide you with the best options the market has to offer, and serve as your advocate for all the years to come. Your retirement should be about enjoying the Florida sunshine, not worrying about medical bills. We’re here to help make that a reality.
Medicare Part A INSURANCE AGENT AND BROKER NEAR ME
Medicare Part A Insurance
As your Insurance Agent and Broker serving you, 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 and Medicare Supplement 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 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 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.
Steve Turner, your Helpful Licensed Agent and Broker
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Medicare Part A Insurance
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CONTACT STEVE TURNER INSURANCE AGENT & BROKER
I’m here to take your calls and emails and answer your questions 7 Days a week from 7:00 a.m. to 8:00 p.m., excluding posted holidays.
Steve Turner is a licensed agent, broker, and a longstanding member of the National Association of Benefits and Insurance Professionals®. Steve holds the prestigious designation of Registered Employee Benefits Consultant®. NABIP® is the preeminent organization for health insurance and employee benefits professionals and works diligently to ensure all Americans have access to high-quality, affordable Healthcare, and related services.
Steve Turner is a licensed agent appointed by Florida Blue.
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Medicare Part A Insurance
The United States: Facts and Top Visitor Sites
The United States of America is a vast and diverse country encompassing a wide array of cultures, landscapes, and iconic landmarks. Here are some key facts and top attractions:
Facts about the USA
The United States is a vast and diverse country, offering a rich tapestry of culture, history, and natural beauty. Here is a comprehensive overview of key statistics and top visitor attractions across the nation.
Key U.S. Statistics and Economic Overview
The United States is a global leader in population, economy, and innovation, attracting people from all over the world.
- Population and Demographics: As of 2025, the U.S. population is projected to be over 343 million people, making it the third most populous country in the world. The population is diverse, with a significant Hispanic and Latino population that accounts for a large portion of the recent growth. The median age is around 39 years, and a growing segment of the population is over 65, reflecting an aging nation.
- Geography: Third largest country by land area, behind Russia and Canada. It stretches across 3.8 million square miles and boasts 4 million miles of roads.
- National Parks: 63 national parks across the nation.
- Government-owned Land: 37% of the land is owned by the government (federal, state, and local).
- Diversity: The US is a diverse country, with a growing non-white population. Non-Hispanic white people currently make up the largest ethnic group, but their share of the population has decreased over time. The Hispanic population has seen the most significant growth, increasing by 23% between 2010 and 2020.
- Languages: While English is the primary language, Spanish is the most common non-English language spoken at home, followed by Chinese and Tagalog.
- Aging Population: Americans are living longer, with the 65 and older population increasing significantly.
- Economy & Key Industries: The U.S. economy is the largest in the world by nominal GDP. Its economic strength is built on several key industries:
- Financial Services: This sector is a global powerhouse, centered in cities like New York, with major hubs for banking, insurance, and investment.
- Technology and Information Technology (IT): The U.S. is a world leader in technology, with major tech hubs in Silicon Valley, Austin, and Seattle, driving innovation in software, hardware, and digital services.
- Healthcare and Social Assistance: As the largest private employment sector in the country, healthcare is a massive industry with a high demand for skilled workers and ongoing innovation.
- Manufacturing: The U.S. manufacturing sector is a backbone of the economy, producing everything from automobiles and aerospace components to medical equipment and consumer goods.
- Work from Home Trends: More Americans are working remotely compared to pre-pandemic times. In 2022, 15% of Americans worked from home, up from 6% in 2019.
Top Places for Visitors to Explore in the USA
The United States offers an incredible variety of destinations, from iconic cities to breathtaking national parks.
- New York City, New York: A global icon, New York City is famous for its vibrant culture, world-class museums, and iconic landmarks. Visitors can explore Times Square, see a Broadway show, visit the Statue of Liberty, and walk through Central Park. The city offers an endless array of dining and shopping experiences.
- The Grand Canyon, Arizona: A breathtaking natural wonder carved by the Colorado River, the Grand Canyon National Park is a must-see. Visitors can take in panoramic views from the South Rim, hike into the canyon, or take a helicopter tour for a unique perspective.
- Las Vegas, Nevada: Known as “The Entertainment Capital of the World,” Las Vegas is famous for its casinos, luxury hotels, and spectacular live shows. The Las Vegas Strip is a bustling boulevard with unique attractions and a vibrant nightlife.
- Orlando, Florida: The “Theme Park Capital of the World,” Orlando is home to some of the world’s most famous attractions, including Walt Disney World Resort and Universal Orlando Resort. It is a top destination for families and anyone seeking a thrilling, magical vacation.
- Washington, D.C.: The nation’s capital is a city of history and monuments. Visitors can explore the National Mall, which connects the Lincoln Memorial, Washington Monument, and the U.S. Capitol. It’s also home to the Smithsonian Institution’s world-class museums.
- Yellowstone National Park, Wyoming: As the first national park in the U.S., Yellowstone National Park is a marvel of geothermal activity and wildlife. It is home to the famous Old Faithful geyser, the Grand Prismatic Spring, and a wide variety of animals, including bison, bears, and wolves.
- San Francisco, California: This iconic city on the West Coast is famous for the Golden Gate Bridge, its historic cable cars, and diverse neighborhoods. Visitors can explore Fisherman’s Wharf, Alcatraz Island, and the beautiful Golden Gate Park.
- Hawaii: The state of Hawaii is an archipelago in the Pacific Ocean known for its stunning natural beauty, volcanic landscapes, and rich Polynesian culture. Visitors can relax on beautiful beaches, hike through lush rainforests, and explore the Hawaii Volcanoes National Park on the Big Island.
- Great Smoky Mountains National Park, North Carolina/Tennessee: The Great Smoky Mountains National Park is the most visited national park in the U.S. and is known for its beautiful mountains, diverse plant and animal life, and rich Appalachian culture.
- New Orleans, Louisiana: This historic city on the Mississippi River is famous for its unique blend of cultures, live music, and vibrant festivals. The French Quarter is a lively neighborhood with historic architecture, delicious Creole cuisine, and jazz clubs.
MEDICare INSURANCE POSTS
SERVICE AREA
MEDICARE STATEMENT
The Medicare Annual Enrollment Period is October 15th to December 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, and any information I provide is limited to those offered. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
There’s no one-size-fits-all answer. Carefully evaluate your health status, anticipated medical needs, prescription drug usage, budget, preferred doctors and hospitals, and tolerance for network rules. During the Medicare Annual Enrollment Period (October 15th to December 7th), thoroughly research the specific plans available in your Florida county using the Medicare Plan Finder on Medicare.gov, compare their costs and benefits, and consider seeking free, personalized counseling from Florida’s SHINE (Serving Health Insurance Needs of Elders) program.