Medicare Supplemental Insurance Plans
Medicare health plans offered by Mid-Florida Agencies provide Part A and Part B benefits to people enrolled with Medicare.
The Medigap supplement is private health insurance designed to supplement your Medicare plan. Along with co-payments and deductibles, Medigap often covers services not covered by Medicare, and pays its share even when Medicare pays a basic portion. It is important to note that every Medigap policy must adhere to both State and Federal laws, and must be clearly identified as “Medicare Supplement Insurance” when offered. Speak with one of our representatives for help in determining which plan is best for you.
Medicare Advantage Plans (Medicare Part C) include PPO’s and HMO’s
HMO’s and PPO’s (Preferred Provider Organizations) differ in the need for referrals for seeing a specialist outside the network. PPO holders can see any doctor or provider that accepts Medicare, whereas HMO holders cannot. PPO’s in turn limit the maximum amount that members pay for care outside the network. (HMO) Plans offer service by way of a network of approved hospitals, doctors and other healthcare professionals. They agree to provide their services for a set monthly payment from Medicare. Emergency care however is covered, regardless of whether in or out of network. Ask a Mid-Florida Agencies representative to assist in comparing the differences.
For further options, including Special Needs Plans (SNP), Low Income Assistance, Qualified Medicare Beneficiary (QMB) programs, Specified Low Income Medicare Beneficiary (SLIMB) programs and more, contact us at Mid-Florida Agencies to see for which options you qualify, and which coverage and supplements work best.