If you wish you had more or different benefits than Medicare Part A and Part B provide, consider Medicare Advantage plans in Florida. These plans offer a variety of other benefits that you won’t get with the standard Medicare plans.
Unlike standard Medicare plans, Medicare Advantage plans offer:
Just like any other insurance plan, the coverage varies by insurance company. Some plans offer all of the above benefits. Others offer only one or two. Before you shop for your Medicare Advantage plan, consider what you need. Do you wear glasses? If so, you may want vision benefits. If you don’t, dental or wellness benefits may be of more concern to you.
If you have standard Medicare Part A and Part B, you can buy a separate prescription plan. It’s called Medicare Part D. You buy the plan from an independent insurance agent, just like you do with Medicare Advantage. But it’s a separate policy.
Medicare Advantage plans in Florida include prescription benefits if you choose the right plan. This means one premium each month and coverage all from one plan. Some beneficiaries prefer this as it’s less confusing. Some Medicare Advantage plans also offer better prescription benefits than Medicare Part D plans.
If you currently take medication, check each plan’s formulary list to make sure your medications are on it. If they aren’t, paying for the plan won’t benefit you. If you don’t take medication now, consider the broadest plan that offers coverage for both generic and name-brand medications.
You have four plans to choose from:
Each Medicare Advantage plan has a different cost. You are free to shop around to find the plan that provides the coverage you need and prices you can afford. The most common things to look for when comparing pricing include:
Before you choose one of the Medicare Advantage plans in Florida, consider your needs. Do you want coverage every time you go in for a physical or wellness check? Then, you’ll want an Advantage plan that offers wellness benefits. Do you need vision or dental coverage? You may need a different plan, then. Look at all your options, compare the costs, and choose the plan that suits you today. You can change your plan during the open enrollment period each year, which gives you a chance to change your coverage as your health needs change.