Medicare Supplement Advisor

Florida Medicare Supplement Insurance Q and A

What is the difference between Medicare Supplemental Insurance and Medigap Insurance

The two terms are synonymous.  Medicare Supplemental Insurance is also called Medigap Insurance.  It got this nickname because the insurance fills the gaps left by Medicare alone.

How can I apply for Medicare Supplemental Insurance?

The application process for Medicare Supplemental Insurance is very easy and can be done over the phone or in person. The process takes about 30 minutes and most times the policy can be issued within a week. You can call my office today at (239) 288 - 0880 , fill out the form on this webpage and I will be in contact shortly or send me an email at

Do I have to qualify and answer health related questions for Medicare Supplemental Insurance?

If you are turning 65 you are in a Guaranteed Issue period for the 7 months surrounding your 65 birthday. This means you will not have to answer any health questions and cannot be denied coverage for health reasons. There are other Guaranteed issue periods for Medicare Supplemental insurance some of them are: leaving a employer sponsored health plan, being dropped by a Medicare Advantage Plan or a Medicare Advantage plan you are enrolled in going out of business, or leaving a Medicare Advantage Plan after your first year.

LINK : Guaranteed Issue Rights for Medicare Supplement Insurance

I am moving from Ohio to Florida, can I keep my Medicare Advantage plan that I have in Ohio?

Most times you cannot keep a Medicare Advantage plan when moving out of the coverage area.  Medicare Advantage plans have network Hospitals and Doctors.  When moving out of the coverage area you will be in a guaranteed issue period for a Florida Medicare Supplement.  Florida Medicare Supplemental Insurance has no network Hospitals or Doctors, You can see any doctor anywhere.  In addition you can keep the policy if you move to another state.

What is a Medicare Advantage plan?

Medicare Advantage Plans are also referred to as Medicare Part C.  They are private insurance plans that you can choose in place of Medicare A and B. Most times the Advantage Plans come with coinsurance, copays, deductibles and coverage limits.

LINK : How Medicare Advantage Plans Work

Links to useful websites

Van "Reed" Speas II is an insurance agent, He is not connected with or endorsed by the U.S. government or the federal Medicare program.

Medicare Supplement Plan F & Deductible F Agent - Florida

  • Medicare High Deductible Plan F AgentV. Reed Speas II is a licensed Medicare Insurance Agent with offices located in Fort Myers and Fort Lauderdale, FL.

    He provides Medicare recipients with a simplified explanation of the 4 parts of Medicare and the insurance options available. Reed will explain how you can protect yourself from medical bills with a Florida Medicare Supplement Plan F and how a healthy individual can save money each year by paying lower monthly premiums on a Medicare Supplement High Deductible Plan F. He also will broker Medicare Part D plans for his clients to insure they do not over pay for prescription drug coverage. Appointments can be scheduled by calling the office, sending an e-mail, or by filling out the form below.

    Call 239 288 0880 today for an appointment


    V. Reed Speas II
    Medicare Insurance agent


    Fort Myers
    Fort Lauderdale

    Florida License # W029777

    239 288 0880 Telephone:
    239 275 9967 FAX: E-mail:

    Insurance products

    Medicare Supplements: 

    Plan F
    High Deductible Plan F
    Plan N

    Medicare Part D plans
    Life Insurance

  • Fill out my online form.

Understanding Medicare and Medicare Insurance

it is important to understand the medciare system, there are four parts to the Medicare system they are Medicare part: A, B, C, and D. There are also insurance options that are available, they are : Medicare Supplement and Medicare Advantage. Below are videos collected to help you understand Medicare and Medicare Insurance.

The videos below are to help you make an informed decision on your Medicare Insurance

Save Money with a Florida High Deductible Medicare Suppelement Plan F

A lower monthly premium means less money paid up front for coverage that may never be used.

A Medicare Supplement High Deductible Plan F is priced approximately 70% less than a Plan F without a deductible

When choosing an insurance policy, it is sometimes wise to pay as low of a monthly premium as possible.

This is especially true when it is possible to get the same coverage for a lower price. A Medicare Supplement Plan F and a Medicare Supplement High Deductible Plan F offer the same coverage with the exception of an initial deductible attached to the High Deductible Plan F. The 2015 deductible is $2180; this number is set by the Government and not by the insurance companies.

Medicare still pays its part of your health costs

Most people will not come close to reaching the deductible amount in a given year if they remain healthy and avoid a hospital stay. Medicare will continue to provide coverage alongside the Medicare Supplement before the deductible is met on the High Deductible Plan F.