Medicare Supplement Insurance Florida – The Basics of Medigap

Florida is home to many retirees. This gives the state a special responsibility to provide services for its senior citizens that help them to stay in good health. One of the services available to senior citizens throughout the entire United States is Medicare, the government administered social insurance program that offers basic medical coverage to the country’s senior citizens. But, for many retirees, basic coverage isn’t enough. This is where Medicare supplement insurance Florida comes in. In addition to Medicare, the government has also established Medigap, an optional supplement to Medicare that you can purchase to cover any areas left exposed in your medical needs by Medicare.

Medigap was standardized by CMS, the Centers for Medicare and Medicaid Services. But after standardizing twelve packages, labeled A through N, Medigap was given to private insurance carriers to sell and administer. Since these companies are privately owned, they are governed by the state, and not the federal government. This is why it’s important to find Medicare supplement insurance Florida. You don’t want to research and decide on a Medigap policy only to discover that it’s only available in Wisconsin. But the packages available in Florida are perfectly adequate to cover the needs of the majority of Florida’s senior citizens.

In order to qualify for Medicare supplement insurance Florida, you must be sixty-five years of age or over. You must also already be enrolled in Medicare Parts A & B. It’s in your best interest to research the packages available in Florida before you turn sixty-five because, if you enroll within six months of your sixty-fifth birthday, you will not be required to undergo any sort of medical pre-screening in order to be approved. But if you choose to wait, you may be required to be pre-screened before being approved for Medigap by the private company that’s offering it.

There is more choice available than ever before to senior citizens looking for medical insurance that fits their individual needs. Since Medicare supplement insurance Florida is being offered at discounted prices, every senior citizen should be able to find a Medigap plan that fits his or her needs and budget. The important thing is for you to know that these resources are available to you so that you can make an informed decision about your medical insurance coverage. Whether you decide to take advantage of Medigap or not, at least you’ll have the comfort of knowing that you have options available to you.