Medicare, Medicaid, Medigap: these are all programs that were implemented by the federal government. But which one applies to you? If you are a retiree living in Florida, then Medicare and Medigap are the ones you need to understand. The United States government, as well as the State of Florida, is committed to making sure that senior citizens have options open to them so that they can find and retain quality, affordable healthcare insurance that provides adequate coverage for all of their medical needs. And part of that commitment is the provision of Florida Medigap insurance to the senior citizens of Florida.
Medigap is so called because it is designed to fill a gap left by Medicare. Medicare is the government administered health insurance program for senior citizens. It covers the bare essentials of healthcare for senior citizens so that retirees don’t need to go without proper medical care. If you are a senior citizen in good health with no major health concerns, then this is adequate. But if you, like many other senior citizens, have pre-existing medical conditions such as heart disease, diabetes, and the like, then you probably need insurance coverage beyond the basics. That is where Florida Medigap insurance steps in.
Florida Medigap insurance is an optional supplement to Medicare that is offered through private insurance companies. It offers insurance coverage for the things that Medicare doesn’t. It covers more procedures, usually at a better out-of-pocket cost. In order to qualify for Medigap, you must already be enrolled in Medicare Parts A & B, and be over 65 years old. However, if you enroll in Medigap within six months of your 65th birthday, then you will not be required to be prescreened. If you enroll after this time period, then the private company that administers your Medigap insurance may require a health screening before approving you for enrollment.
The Centers for Medicare and Medicaid Service standardized ten different plans, labeled A through N, for Medigap coverage. But since these plans are offered through private companies, they’re legislated by state governments. This means that you want to be sure to get Florida Medigap insurance through a company familiar with Florida’s insurance laws. You want to be sure that you know what you’re getting when you choose and enroll in a Medigap supplemental insurance plan. Whether you choose to enroll in Medigap or not, it’s a comfort to know that you have the option.
We can help you find a compatible Medicare Supplement policy tailored to your specific needs. Contact us today for assistance, you’ll be glad you did. Our phone number is 352-200-2066.