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Medicare Advantage Plans in Florida

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Greater than 4.6 million individuals in Florida are signed up for Medicare, making it the second-largest U.S. state for Medicare beneficiaries.

Medicare is the federal government well being care program for individuals age 65 and older. Medicare Benefit is an all-in-one different to Medicare that gives all the identical advantages and normally some extras, corresponding to dental and imaginative and prescient protection.

Medicare Benefit plans supply extra advantages than Unique Medicare, and they’re typically cheaper than paying for Medicare and a Medicare Complement plan. Nevertheless, they provide much less flexibility because you’ll have to get care from inside the plan’s community of suppliers. Weigh your choices to find out what plan most closely fits your wants.

What to learn about Medicare in Florida

With a big proportion of the inhabitants over 65, Florida affords all kinds of Medicare and Medicare Benefit plans.

  • The common month-to-month premium in 2021 for a Medicare Benefit plan in Florida is $8.28.

  • There are 527 Medicare Benefit plans out there in Florida in 2021. (That is up from 474 plans in 2020.)

  • All Medicare-eligible individuals in Florida have entry to a $0-premium Medicare Benefit plan.

Medicare Benefit suppliers in Florida

The next suppliers supply Medicare Benefit plans in Florida:

  • Medical doctors HealthCare Plans.

  • Well being First Well being Plans.

Prime-rated Medicare Benefit plans in Florida

5-star plans

The plans beneath are all rated 5 stars out of 5 by the Facilities for Medicare & Medicaid Companies, or CMS. (Get extra details about Medicare star rankings.)

  • CarePlus Well being Plans: CareExtra, CareFree, CareFree PLUS, CareOne, CareOne PLATINUM, CareOne PLUS.

  • Cigna: Cigna Elementary Medicare, Cigna Most popular Medicare, Cigna Most popular Financial savings Medicare, Cigna Major Medicare, Leon Medicare.

  • HealthSun Well being Plans: HealthSun HealthAdvantage Plan, HealthSun MediMax.

  • UnitedHealthcare: Erickson Benefit Freedom, Erickson Benefit Liberty with Medicine, Erickson Benefit Liberty with out Medicine, Erickson Benefit Signature with Medicine.

4.5-star plans

The plans beneath are all rated 4.5 stars out of 5 by the CMS:

  • Capital Well being Plan: Capital Well being Plan Benefit Plus, Capital Well being Plan Most popular Benefit, Capital Well being Plan Silver Benefit.

  • Florida Blue HMO: BlueMedicare Basic, BlueMedicare Premier, BlueMedicare Saver, FHCP Medicare Alternative, FHCP Medicare Flagler Benefit, FHCP Medicare Premier Benefit, FHCP Medicare Premier Plus, FHCP Medicare Rx, FHCP Medicare Rx Plus, FHCP Medicare Rx Financial savings.

  • Humana: Humana Gold Plus, Humana Honor.

  • Optimum HealthCare: Optimum Gold Plus Plan, Optimum Gold Rewards Plan, Optimum Platinum Plan.

How to decide on a Medicare Benefit plan

It’s essential to ask a couple of questions as you’re looking for the proper plan. Right here’s a fast guidelines that can assist you take into account your choices:

  • How a lot are the plan’s prices? Do you perceive what the plan’s premium, deductibles, copays and/or coinsurance shall be? Are you able to afford them?

  • Is your physician in-network? If in case you have a most well-liked physician (or medical doctors) or hospital, ensure that they take part within the plan’s community.

  • Are your prescriptions coated? When you’re on remedy, perceive how the plan covers it. What tier are your pharmaceuticals on, and are there any protection guidelines that apply to them?

  • Is there dental protection? Does the plan supply routine protection for imaginative and prescient, dental and listening to wants?

  • Are there extras? Does the plan supply any further perks, corresponding to health memberships, transportation advantages or meal supply?

Medicare Benefit suppliers

Get extra details about among the main Medicare Benefit suppliers right here:

If in case you have further questions on Medicare, go to Medicare.gov or name 800-MEDICARE (800-633-4227, TTY 877-486-2048).

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